With the rapid development of China's economy, the awareness of domestic insurance consumption has gradually increased, and insurance has gradually entered thousands of households. The marketing method of insurance is also changing with each passing day. Consumers can purchase their own insurance through various channels such as Internet, telephone, bank and insurance company outlets. Among these ways, choosing to buy insurance from an insurance agent is undoubtedly the most direct and effective answer. So, what should consumers pay attention to when purchasing insurance from insurance agents? First of all, we should make clear the definition of insurance agent. In the insurance industry, an insurance agent refers to a unit or individual who collects agency fees from an insurance company according to its entrustment and handles insurance business on its behalf within the scope authorized by the insurance company. What we usually call an insurance salesman is a personal agent. There is a principal-agent relationship between the salesman and the insurance company, and the legal liability arising from the insurance agency business within the scope authorized by the insurance company shall be borne by the insurance company. An excellent insurance agent can publicize insurance knowledge, explain insurance clauses, comment on products and analyze personal financial needs for consumers. Spread professional ideas and provide a series of quick and professional services such as contract signing, security and claim settlement. Then, how to choose an excellent insurance agent, the following aspects can be used for reference. It depends on whether the agent holds the insurance agent exhibition license and work permit to determine whether the agent is a legal agent. Information about its exhibition industry can be found on the website of the CIRC or the website of the local insurance industry association, or by calling the customer service center of its insurance company. It depends on whether the agent is honest, reliable and responsible. Can the agent explain the advantages and disadvantages of insurance clearly? At least ask the following questions: the situation of insurance companies, the situation of agents, the sales of insurance products, etc. It depends on whether the agent is professional. For specific insurance products, we must ask the following questions in detail: insurance conditions, insurance liability, insurance period, insurance premium and insurance amount, insurance premium payment method, which insurance products are not insured (except liability), and ancillary functions of the policy. It depends on the after-sales service of the agent. Life insurance is mostly long-term insurance, which requires insurance agents to establish long-term contact with customers. A responsible agent with good after-sales service should be able to inform his company's new terms and information in time, remind customers to pay premiums in time, respond to customers' requirements in time, and assist customers to make policy changes and claims. Don't choose an agent because of the premium, and don't rush to insure because of feelings. Because you signed a long-term contract with legal effect, don't lose too much because of small things, and finally regret it. Du Bang Insurance reminds you that the insurance agent is the representative of the insurance company. They have agency contracts with insurance companies, and the rights and consequences arising from their actions are borne by the insurance companies. For marketers with ID cards, insurance agent qualification certificates and work permits issued by insurance companies, they can take insurance with them. Before taking out insurance, you must do a good job of consultation, investigation and comprehensive analysis, and choose the appropriate insurance according to your actual situation.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.