Spark insurance agent is Anhang Insurance Broker (Beijing) Co., Ltd., which was established in 2008. Its main business scope is insurance economic business. It cooperates with many insurance companies, such as JD.COM Allianz Insurance Company, Sunshine Property Insurance Company and Ping An Insurance Company, and sells the insurance products of cooperative insurance companies on its own platform. However, it is the insurance company, not Spark Insurance, that is ultimately responsible for underwriting and claims settlement. In addition to providing insurance sales business, Spark Insurance also provides the following insurance-related services:
1. Insurance risk assessment, which can analyze the potential risks of users in an all-round and multi-dimensional way according to insurance big data;
2. Insurance protection scheme customization, which can customize a reasonable and suitable insurance product protection scheme for users according to the specific situation of users, taking into account the family role, economic situation and physical condition of users;
3. Insurance, providing insurance dictionaries, insurance guides, claims guides, insurance protection topics, insurance questions and answers and other insurance-related content modules to help insurance white understand insurance.
Spark insurance insurance selection structure reference:
The most suitable insurance scheme for 1 and 0~ 18 years old is accident insurance+medical insurance+critical illness insurance+annuity insurance. /kloc-before the age of 0/8, children often cannot create value income, but will occupy a lot of expenses in family income. Insurance first guarantees the economic support of the family. In the choice of insurance products at this stage, under the premise of limited budget, it is recommended to buy consumer insurance. In short, you must buy accident insurance, medical insurance can buy children's medical insurance first, critical illness insurance can not buy or buy consumer insurance, annuity insurance can not buy, buy as soon as possible.
2.20-30 years old is a relatively big stage of change, so Spark Insurance recommends: accident insurance+medical insurance+critical illness insurance+term life insurance, in which accident insurance and medical insurance are recommended to be purchased, and critical illness insurance can be purchased, and term life insurance can be purchased or not, depending on the budget.
3. The suitable insurance scheme for 40-50 years old is: accident insurance+(high-end) medical insurance+critical illness insurance+annuity insurance. The insurance configuration of this age group will be somewhat different from that of young people. With the growth of age, the purchase restrictions of some insurances will increase (such as critical illness insurance), so some insurances that should be bought need to be bought as soon as possible. At the same time, Spark Insurance reminds you that the pension plan can also be arranged as soon as possible.
Over 4.50 years old, accident insurance+medical insurance+cancer prevention insurance will be safer. At this stage, there are not many insurance options and the price is not low. Therefore, it is very important to have regular physical examination and develop good hygiene habits. In the case of sufficient budget, Spark Insurance recommends buying the above three insurances at the same time. From a macro point of view, the universality of insurance at different ages is probably the above scheme, but the situation of each person and family is different. Spark Insurance still recommends consulting a professional insurance consultant to customize a one-to-one insurance plan, which is more targeted and cost-effective.