Insurance consumption, as a fixed economic expenditure, has increasingly permeated all aspects of people's lives. How, then, can consumers buy insurance with confidence? This year, “3. 15” took up the service “magnifying glass” for the peaceful life and talked about insurance。
Magnifying mirror 1: purchase of appropriate insurance products
In the purchase of insurance products, many disputes arise from the premature nature of certain consumer behaviour. Some consumers have blindly purchased insurance products without proper knowledge of their functioning, which are not suitable for their own needs, as if they were “chick ribs”, and may not only benefit from it, but also risk burying the risk of “unhappiness” in future settlements。
In july 2016, ms. Song, who was doing business in nepal, presented her life insurance products to the taiping life consulting insurance, hoping to allocate 5 million yuan in annual and altruistic insurance as an investment modality. However, it became clear from an understanding of ms. Song's family situation that there were significant gaps in the health coverage of her family members. In accordance with the principle of first-instance insurance, later old-age insurance and re-financing insurance, four members of ms. Song's family were given medical care, medical insurance and annuity insurance (red-type) to meet ms. Song's investment needs. In 2017, two effective settlement services were provided to ms. Song to realize the benefits of insurance coverage。
Thus, rational planning of consumers' “sweet money” is the responsibility of life-saving businesses that protect life. Consumers, on the other hand, need to be aware of what they want before they buy insurance, in accordance with the basic principles of “prematures, children” and “premature the risk of serious illness” and “proportionary control of the cost of insurance”, using their real needs as a starting point to buy their own insurance products and avoiding the economic loss of blind insurance coverage。
Magnifying mirrors 2: smart eyeballs for regular marketing
Insurance sales are part of the number of marketing calls rejected by consumers. The reason for this is related to a small group of unqualified insurance salesmen who seek to confuse consumers with false propaganda. But insurance itself is a “good thing” and consumers can buy well-meaning insurance products through formal marketing channels, as well as through salespersons with insurance practitioners' qualifications and insurance marketer certificates。
In 2015, a false advertisement, widely disseminated from the media and the internet, attracted the attention of the people living in peace. According to the ad, the insurance product “flows of life”, developed jointly with the china pacific insurance group, entered the countdown for sale. In response, the taipei specials commission announced that the two companies had never established a partnership and had never jointly launched insurance products, and reminded consumers of the need to be vigilant and to consult and verify any questions or needs related to insurance products through official channels of the taipei。
Allowing consumers to purchase their own appropriate insurance products through formal channels and professional salesmen is central to insurance consumption. To this end, a variety of official distribution channels have been opened, such as the electronic insurance system, the china taiping 95589 micro-intelligence publicise, the pacific pedestrian platform, etc., to enable consumers to develop an accurate understanding of how and where to purchase the pacific life insurance products, on the basis of “pertification”, and to make consumers feel more disciplined, transparent, scenery and happy purchasing experiences。
Magnifying mirror 3: the golden eye of fire
If the most undesirable sales by consumers are ranked, such misleading sales as “proceeds are falsely committed”, “intentionally misinterpreted insurance liability”, must be “first in the list”. In many cases, due to a low level of knowledge of the insurance terms, or even a “suspensiveness”, coupled with their drafting professionalism, there is a high risk that consumers will enter into a “consumer trap” by signing insurance contracts in a state of confusion。
This year, the 65-year-old taipei's life agent, zhusawa, has served the company for 12 years. As an agent, the interpretation of the insurance clause for the client became “business as usual”. There is a “superpower” to read, or make special references to, the misleading and misleading terms of an insurance contract in plain and simple language. In response, xinjiang's clients have stated that the insurance company's terms are quite the same, but that it is the only time that it is the most clear to read, and the only time that it is the most robust。
There are many agents who proactively avoid the risk of misleading sales for consumers, as is the case with xinjiang. In the current environment of insurance consumption, where laws and regulations are gradually being improved, regulations are being strengthened, and practitioners are strictly self-regulating, people living in peace are constantly regulating sales through a variety of business quality management tools. But it is far from sufficient to rely on the statements of the practitioners alone. Consumers should consciously join in the “understanding of the terms, the duty to know”, leaving no place for misleading sales such as failure to fulfil the promise of profit, deliberate misrepresentation of insurance liability, and full defence of their legitimate rights and interests, and practice a pair of “flaming eyes”. Chan yelin
