What questions do I need to consult when buying insurance?

Buying insurance is not an easy task, especially for people who are easy to step on the pit like Xiaobai! So what questions do you need to ask before buying insurance? Senior, I'll explain it to you. Before the formal introduction, friends who are not familiar with insurance can read this article first: Super Complete! Everything you want to know about insurance is here.

First of all, before buying insurance, we need to communicate our protection needs with the insurance agent or the relevant customer service staff of the insurance company, so as to determine which type of insurance is more suitable for us. For example, small partners buy insurance to increase their personal protection, so the four major types of insurance, such as critical illness insurance, accident insurance, life insurance and medical insurance, are the most suitable for our configuration. For small partners with weak insurance knowledge, we should also ask about the coverage content, product form and payment form of different insurance, so that we can have a clearer judgment when choosing products.

At the stage of selecting products in combination with their own protection needs and actual economic conditions, we should pay attention to consulting clearly what the insurance liability of this product is, because insurance liability is simply the protection content that insurance companies can provide for us. But don't listen too much to the introduction of insurance company salesmen, you should have your own judgment. Because some salesmen who lack professional ethics may avoid the important and neglect the important when introducing products, exaggerate insurance protection or hide the shortcomings of products. Therefore, we must learn to understand the terms of the contract! Sister Xue also prepared a nanny-level strategy to let everyone know the terms of the contract. Remember to collect: teach you to identify the pit in the insurance contract!

Finally, before buying insurance, you should also consult the insurance rules of insurance products, such as the payment period, premium and other contents, as well as the surrender claim process. Because of space reasons, senior sister won't introduce it. More detailed explanations are arranged in this article. Before buying insurance, you must take a look: before buying insurance, you must first understand these key knowledge points!

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