My mother sells insurance. I have to buy insurance that I don't understand. It turned out to be a big pit. Do you want such a mother?

Hello, I understand that you may be angry and helpless now, so I ask this question. I also talk about my views from the following angles:

1. You find that buying insurance is a big pit-in fact, as an insurance practitioner, I think what you want to express is that the products you bought did not meet your expectations and helped you solve the problem, so you think it is a "pit". However, the design and listing of each insurance is not specifically designed to "cheat" consumers, otherwise it will not be approved by the CBRC. There are many types of insurance, which will also bring you protection within the corresponding scope of insurance liability. If you buy a universal insurance, but hope that the insurance can reimburse the medical expenses when you are sick in hospital, it is also impossible.

It is really regrettable and helpless that such a thing happened, because the insurance salesman didn't do her due duty-explain the insurance liability to the insured; As an insurance customer, you didn't make a rational judgment on the money you spent-knowing clearly what you want and whether it is what you need, which I think needs reflection.

2. Is there any way to solve this problem after it happens? To some extent, this is reversible. If you have just bought insurance and realize that this insurance does not meet your needs, you can surrender unconditionally. Generally speaking, insurance will have a "hesitation period", ranging from 10-20 days, in order to let the insured carefully examine whether this policy is really needed during this period. If it is not suitable, you can surrender unconditionally, and the insurance company will refund the insurance fee (some companies may deduct the insurance contract fee of about 10 yuan). So if you are still hesitating, you can surrender directly.

3. Is it the mother's fault? Actually, my mother wants you to buy insurance. She must have recommended this product to you because she thought it was good. The initial heart is good. It's a pity that she skipped too many procedures, such as knowing the insurance liability herself, considering your current situation to see if you need it and explaining the contents of the contract to you. This is actually a current situation that the insurance industry needs to be rectified urgently. Practitioners need to sell in compliance and have high enough requirements for themselves. Therefore, the reason why you are not satisfied with buying insurance this time can also be truthfully explained to your mother, urging her to regulate sales.

4. How to deal with similar things next time? Almost everyone has one or two relatives and friends who sell insurance, so we still have many opportunities to get in touch with insurance in our daily life, and some good friends will recommend some products to us. At this time, you can first think about whether you need this kind of protection; If necessary, be sure to ask the other party to explain clearly the responsibilities: what to insure and how to compensate, and then decide whether to buy or not.

It is also mentioned here that at present, in China, there is a more time-saving and labor-saving way to buy insurance besides going door-to-door to find someone to ask for products-looking for an insurance broker to buy it. On behalf of customers' interests, insurance brokers can objectively and neutrally analyze the advantages and disadvantages of each company's products and help customers choose the most suitable products for insurance. The biggest advantage is that when you don't know what products you need to buy, you can ask an insurance broker to help you analyze the current situation and see what risks you need to guard against.

The above is my opinion, I hope it is valuable to you ~