First, carefully select the underwriting company. There are many life insurance companies and property insurance companies all over the country. When customers apply for insurance, they should know the brand, strength, address, service and other credit status of insurance companies. And don't insure with illegally established insurance institutions, and don't be tempted by overseas insurance companies, so as not to make claims when you are in danger.
Second, read the "insurance tips" carefully. When applying for insurance, customers should carefully read the life insurance tips issued by local insurance regulatory bureaus, understand the relevant precautions, understand the rights and obligations of the insured, and take them seriously and perform them.
Third, tell the health status truthfully. Deliberately concealing bad health status and not filling in the contents of health notification truthfully are violations of the Insurance Law. In the event of an insurance liability accident, it is inevitable that you cannot safeguard your own insurance interests.
Fourth, standardize the reporting of insurance information. The applicant, the insured, the beneficiary and other relevant matters required in the insurance information shall be filled in completely. If the relevant stakeholders need to sign in person, they cannot sign on their behalf, so as to avoid unnecessary contradictions and disputes.
5. Don't surrender or transfer insurance easily. Don't easily believe the misleading of the marketing staff of the same company, or take the form of surrender or transfer of insurance when the capital turnover is difficult, and dispose of the original policy, so that your insurance interests can not be guaranteed. Re-insurance needs to recalculate the disease observation period or increase the insurance premium.
Sixth, pay attention to the choice of capital guarantee methods. It is a safe choice to handle the bank transfer withholding formalities, realize the premium payment, and collect the premium when insured, which can not only ensure the safety of funds, but also ensure the effectiveness of renewal payment. Of course, the customer should deposit the funds into the premium withholding account in time, and don't just wait for the salesperson or insurance company to collect it before renewing the insurance. If the customer cannot contact or forgets to renew the insurance on time, the policy may be invalid.
Seven, provide complete claims payment materials. When applying for receiving insurance claims, maturity insurance benefits, survival insurance benefits or bonuses, customers should understand the claims procedures and materials to be submitted, cooperate with the investigation of insurance companies, and submit complete and effective application materials in time to avoid affecting the efficiency of claims due to incomplete procedures. If you need to entrust others to handle the insurance payment procedures, you'd better choose the transfer method and keep the passbook password well.
Eight, good at using customer service cards. Take China Life Insurance (60 1628)(60 1628) and China Life Insurance (60 1628) Crane Brand as an example. It is a customer service card specially provided by China Renshou for hundreds of millions of customers. It can be used as an electronic policy passbook, and all personal insurance conditions, insurance clauses, points and information can be inquired through the company service counter. Customers who hold "China Life Crane Card" can provide 24-hour self-insurance service at the "China Life Crane Card" self-service terminal conveniently and free of charge. They can not only inquire about personal policy information by themselves, but also pay insurance premiums by swiping their cards and print application materials for security claims.
Nine, take the initiative to understand the information of insurance companies. Insurance customers and insurance companies should maintain necessary communication in order to understand company information and insurance policies. Customers can provide services such as business consultation, information inquiry, loss reporting registration, accident reporting and complaints through the insurance company's customer service hotline; Inquire about the company's basic situation, insurance products and all individual policy information through the insurance company's website; You can also keep abreast of the latest information of insurance companies by participating in investment and financial lectures, customer associations, publicity and consultation activities organized by the company.
Ten, timely inform the communication changes. With the continuous progress of information technology, insurance companies use SMS more and more to facilitate customers to understand company notices or information. When a customer changes his contact address and telephone number after insurance, he should inform the insurance company in time to keep in touch so that the company's relevant notices and materials can be delivered to the customer in time.
1, you work in a company, you can't work in other insurance companies at the same time, that is to say, when you don't intend to resign, you can't be in Cao Ying's heart.
2, when doing business, we must operate in good faith and not deceive customers. 1. 1. 2. Compliance;
3. Protect all kinds of information and materials of yourself and the company. , and don't lose or intentionally spread them. If you do that, you will basically become a business spy. Once the incident is caught, the company will report it to the CIRC and blacklist it, and then you can't engage in the reinsurance industry.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.