First, I dug a hole myself.
I think I know insurance very well. When you buy insurance, you can buy this, or you can buy it yourself from Alipay WeChat. Actually, do you really understand? It's okay to really understand, but I'm afraid I can't pretend to understand, so I'll dig a hole for myself, for example
1, I think it is enough to have medical insurance, and I don't need medical insurance to supplement it. I just need to buy a serious illness. As a result, a large number of hospitalizations occurred, not serious illness, insufficient social security coverage, and maternity medical expenses could only be borne by themselves. Or a serious illness occurs, the social security coverage is not enough, the money for serious illness claims is used for treatment, and the money for illness or daily expenses is gone.
Fill the pit: supplementary medical insurance (very cheap)+serious illness
2, think that life insurance is useless, only buy medical care and serious illness. As a result, he died unfortunately, and the medical insurance was seriously ill and could not be settled, leaving no money for his family and children.
Filling the pit: cash withdrawal from life insurance is the responsibility and delay of love.
3, only know the price, regardless of product terms and responsibilities. Result: A claim that is not covered by the warranty responsibility occurred. Because some insurance is cheap, it is to cut corners.
Fill the pit: look at the terms, see the specific guarantee responsibility, and then compare the price.
4, equate annuity insurance with wealth management products, calculate the income, calculate it, it is better to invest money in the stock market or housing market. As a result, the stock market crash made you lose money, and it was not easy to realize the house when something happened.
Fill the pit: the biggest function of annuity insurance is to force savings, stabilize income and realize flexibly.
5, there are many more, which vary from person to person.
Second, the pit dug by the salesman is actually misleading sales.
1, the salesman is unprofessional, blindly recommends, and does not give priority to emergency policies according to the actual situation of customers.
2, empty talk, dare to say anything, say nothing, as a result, customers can not settle claims, disputes continue.
3. Others and so on. Therefore, you should also keep your eyes open when choosing a salesman.
Whenever you buy insurance, remember that what you buy is protection. Don't be greedy for petty advantages (small gifts, kickbacks, etc. ) and the wrong insurance is not worth the loss.