Universal insurance is still very good, and Zhiying Life Insurance has been discontinued. At present, its cost performance has disappeared in the market.
As for the specific policy planning is unknown, it is impossible to analyze too much. To be sure, the standard of paying 6000 yuan is barely suitable for your age. Paying 10 years is a misunderstanding and 20 years is acceptable.
As for giving a lifetime, it must be a misunderstanding. I don't understand the psychology of these people. I don't know how to talk nonsense, and it's not natural.
Open the policy, read the policy contract and learn as much as possible about the content of the policy contract. It is really difficult to find the help and support of agents as much as possible and let customers know about the products themselves. No matter whether the payment period agreed by the parties is 10 or 20 years, you can call Ping An Customer Service at 955 1 1 for verification.
Universal insurance, basically all companies carry out unified product research and development design in strict accordance with the requirements of the China Insurance Regulatory Commission.
Therefore, although different companies have different product names, the basic product rules and forms are almost the same, with little difference.
When customers choose universal insurance products, they are suspected of over-packaging because they belong to non-traditional life insurance. Therefore, it is best to base on their own needs, make clear the product form, and then insure after they really understand it.
Considering the long-term and stability of the universal policy value, it is best to choose a first-line insurance company. After all, it will be safer.
There is too much information about universal insurance, and customers will be confused when choosing.
Be sure to find an agent, explain, want, official publicity color pages, and formal plans.
If conditions permit, we must demonstrate different policy forms and benefits in different situations through computers.
Ten-year payment is a misunderstanding and it is recommended to avoid it.
First of all, pay attention to safety.
The most important thing is to make clear the demand, which is objective and feasible. The needs of customers are popular and blind. Therefore, it is necessary to rationally plan what is feasible and what is not feasible, and plan the time sequence for the infeasible requirements, and don't want everything at the same time. Universal insurance is not a panacea, it needs reasonable planning to achieve both offensive and defensive.
In a word, communication is very important.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.