The pricing mechanism of insurance products is relatively complicated, not bank savings.
Pricing should be based on customers' actual age, health status, occupational category and specific share of safety responsibilities.
Insurance companies say that pricing is based on the actuarial risk cost of actuaries.
Therefore, before taking out insurance, customers should first know their needs in the county, and then rationally recognize them according to their actual situation and take out insurance on demand based on the present situation. Only by truly and effectively exchanging information with agents can we achieve targeted and reasonable planning.
The premium standard of any insurance product is not constant according to the situation of different customers.
The specific suggestions for insuring children are as follows:
1. To buy insurance for children, we must first consider whether adults have enough protection, and don't put the cart before the horse.
2. Don't ignore local insurance policies, such as whether there is medical security for the old and the young.
2. Children's insurance, and then talk about education funds on the basis of security.
3. In terms of security, accidents, serious illness and medical care must be considered.
There are three kinds of children's insurance in the market: dividend-sharing, universal and investment-linked. It is recommended to choose the first two.
5, insurance planning, do what you can, don't be divorced from the actual affordability, it is not insurance. It is best to solve whatever can be solved. Don't pursue one-step solution, solve it step by step.
6. Remember the additional exemption! !
6. It is unrealistic to buy insurance for children. Don't make too much preparations and plan your life. Treat it rationally and do what you can. You can set short-term, medium-term and long-term financial goals, but don't pursue perfection, reverse the order, and waste money.
7. It is very important to clearly understand the above requirements and rules, and then choose a qualified agent. It is also important to choose an insurance company.
8. I am the agent of Ping An, and I personally recommend the insurance that I pay attention to: Ping An Wisdom Star Children's Universal Insurance.
It is suggested to communicate with the agent in detail and verify it in many ways. After all, face-to-face communication is the most practical and effective way.
If necessary, you can also call the customer service phone of the insurance company for verification.