It is actually a marketing strategy and means for insurance companies to insure new and old users for free. Does not violate relevant national laws and regulations.
As a marketing strategy of insurance companies, free insurance does exist, and its insured persons are mainly divided into two categories. One kind is consumers insured by insurance companies, and the company gives insurance as a return for old customers. Undoubtedly, insurance companies naturally play a "human card" and hope to retain old customers. For these consumers, it is up to them to decide whether to accept the insurance or not, and whether they can pull a long face and refuse the insurance company to promote new types of insurance in the future. The other is that insurance companies give away insurance for free in order to develop new customers. The purpose is of course to facilitate further follow-up actions in the future. After all, most people will directly refuse to sell unfamiliar insurance calls, but if insurance is given away for free, the answer rate will be relatively improved. It can be seen that free insurance is not totally unacceptable. The key is to deal with it rationally and be cautious.
First, pay attention to the source of the call number. The telephone sales channels of regular insurance companies all display the unified number of the headquarters to prevent criminals from taking personal information. If you are interested in underwriting, you can ask the agent's qualification number, and check whether there is a real person through the website of the China Insurance Regulatory Bureau, the insurance company official website or the unified customer service phone to find out the authenticity. After receiving the insurance company's policy confirmation message, you can also go to official website or call customer service to inquire about the policy details.
Second, when listening to telemarketers introduce products, be sure to ask what kind of insurance the gift belongs to, such as whether the gift accident insurance protects ordinary traffic accidents or aviation accidents; If it is health insurance, what diseases are mainly covered? At the same time, it is necessary to know whether the guarantee period will take effect immediately after agreeing to accept the policy, or the next day or at the agreed time, and the settlement process after the accident. After all, the meaning of insurance is to provide protection for the insured. Therefore, even if you accept free insurance, you can't have a little knowledge, otherwise this policy will have no meaning to yourself.
In addition, it should be reminded that once you accept the given insurance, you must confirm with the insurance company whether it will be automatically renewed and whether it will be free when it expires. If you just want to accept the "gift" from the insurance company during the free period, you must remember the insurance date and the expiration date of the product, and surrender the insurance immediately after the expiration, otherwise it will be easily locked up for a long time. If there is no real demand, it is better to refuse insurance directly on the phone.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.