How can I buy insurance and read it correctly and quickly?

First, answer the main questions back and forth. Friends can first know what their protection needs are, and then see whether the protection content can meet their own needs, determine what the exemption clause contains, and so on. If you don't understand, be sure to ask customer service or insurance broker in time.

Before starting, if a friend is not very clear about the content of insurance knowledge, remember to look at this collection of knowledge compiled by senior sister in advance: Super Complete! Everything you want to know about insurance is here.

An insurance policy refers to the written proof that an insurance company has signed an insurance contract with the applicant, which mainly includes the identity information of the insurer and the insured, the insured amount, the guarantee period, the insurance premium, the scope of liability for compensation or payment and other agreed matters.

Under normal circumstances, the coverage, guarantee period and premium payment method of most insurance products can be selected according to their own economic situation and needs.

Here, Xue Xuejie also compiled an article on how to choose the insured amount for everyone. Interested friends can have a look: how much insurance is appropriate to buy? Tell me the doorway inside.

Of course, in addition to these contents, friends should also understand the withdrawal mechanism of this insurance, that is, the content of surrender.

Generally speaking, insurance surrender can be divided into surrender during the hesitation period and surrender after the hesitation period. If you hesitate to surrender, usually the insurance company will basically refund all the premiums after deducting the work cost; If you apply for surrender after the hesitation period, you can only refund the cash value of the policy. This still needs to be seen clearly.

Finally, regarding the details of surrender, Xue Xuejie has also compiled a detailed article for friends in need to take a look at: What details should be paid attention to when surrendering?

Hope to adopt!

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