Demand analysis of insurance companies

Age? Need a specific date of birth, this is used to help you calculate the premium and screen the insurance types (each insurance product has a specific insurance age).

Occupation ~ why? Each insurance company will classify the insured's occupation according to the risk coefficient, which is usually divided into 1-6 categories. Many types of insurance will increase the cost of occupations with high risk factors or directly refuse insurance.

Existing protection? If you have supplementary medical care and some commercial insurance now, why spend more money on the existing protection?

Health status? This is the most important and troublesome thing. Whether the insured has a history of hospitalization and operation, hyperplasia, cyst, nodule, polyp, etc. , as well as blood pressure, blood sugar and other indicators are there any problems? Wait a minute.

These are particularly critical and will affect whether the insurance company can accept your insurance normally. At the same time, according to my experience, I will tell you how to do it safely.

Income-why? Judging who is the breadwinner of the family is the most important for the protection of the breadwinner, and the reasonable amount of insurance is based on the annual income of the insured. For example, the amount of critical illness insurance is generally recommended to be 3-5 times the annual income (because if a person suffers from a serious illness, it will take about 3-5 years to recover, and the amount of critical illness insurance will compensate for the loss of income during this period).

The annual income and expenditure of the family, judge the reasonable budget of insurance planning?

Are there any requirements for the choice of insurance companies? For example, some people don't like foreign insurance companies (in fact, insurance companies are very reliable).

It is irresponsible of me to throw the product to you before these problems are communicated.

Also, after analyzing a product, in case the health condition of the insured does not meet the requirements, aren't we wasting each other's time? correct

I have always believed in one sentence: product recommendation based on demand analysis is either hooliganism. Ha ha laugh

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.