Your insurance policy faces three major risks! How to break it?

As we all know, in the insurance industry, the turnover of business personnel is very large. China Banking and Insurance Regulatory Commission disclosed that as of June 3, 22, there were 9.712 million sales employees registered in the national insurance system, and the one-year retention rate of insurance business personnel was usually only 3%~35%, that is to say, 1 people were employed, and only 3 people remained after one year! Most people will leave their jobs, not to mention the data of three years, five years and ten years. I have to say that you are very lucky if you can meet a salesman for more than ten years to serve you.

Then there is a problem!

We usually have to pay the premium for about 2 years, and the protection we need to provide is even lifelong ... That is to say, your policy will probably become an "orphan bill". What should you do when the service staff leaves?

You must know the three most likely risks!

1: Forgetting to pay the premium will invalidate the policy.

Although every company has a background to send customers renewal information, it is still possible that you cannot receive it because the information is intercepted by your mobile phone, or because you have not received a short message to remind you of your phone change, or because the renewal service personnel are not timely, and so on.

the last article is the best case that claims cannot be compensated.

2: The premium rises and the account balance is insufficient, which leads to the invalidation of the policy.

many insurances have additional hospitalization insurance. This kind of insurance is a "natural rate" rather than a "fixed rate", and the premium is adjusted with the change of age and risk. Generally speaking, the older you are, the higher the premium will be, which will lead to insufficient premium saved by you and lead to the invalidation of the policy. In the event of a claim, you can't get compensation, and even you can only return the cash value (the cash value of guaranteed insurance is very low).

3: The service experience is getting worse.

In fact, the "orphan bill" is not unattended. Every company will set up a renewal premium department to take charge of the original salesman's resignation policy, but its service is not flattering ...

How to break it?

No matter whether you have a dedicated salesman now, you should remember the following items!

1: If your information changes, you should notify the update in time, so as not to accept the message because the information is wrong.

2: Save the customer service phone number of the insurance company, and the customer service can inquire about almost anything you want to know.

4: Ask the existing salesman to make a detailed insurance policy arrangement for you, and it is best to issue one every year. The content should not only include basic information such as payment, but also have insurance liability, that is to say, whatever!

5: Set up your own payment reminder memo, and finally confirm whether the payment has been successful. Because you don't deposit your money well, you will definitely transfer it, and the insurance company's fees are also limited by the bank. The state of your account may lead to your insurance premium being deposited, but it may not be transferred to the insurance company, so it is very important to take the initiative to confirm whether the premium has been paid.

I am a gold-counting and affectionate insurer!