The actuary tells you whether the insurance is fraudulent.

Two years after graduation, I finished the North American quasi-actuary exam and worked in the actuarial department of an insurance company.

Whether to cheat insurance, my understanding is that one is to understand the insurance terms, and the other is whether to pay for it if it is out of danger.

I. Understanding of insurance clauses

Many insurances have a waiting period of 90 days. In other words, within 90 days from the date of buying insurance, you will not lose money. If the salesperson doesn't tell you this clearly, it's the responsibility of the salesperson. But the insurance clause will also state. The other is the definition of severe and mild diseases. The definition in the insurance clause may be different from what is usually thought.

Therefore, you must read the terms carefully when buying insurance.

Second, what kind of insurance is the most cost-effective? Now most people like to buy return insurance, which has both security function and financial management function. However, such products are usually expensive, and the interest paid by insurance companies is not high, which is likely to be lower than the income of the money fund. At present, it is 1 000 yuan, and inflation is so high. After 30 years, it is estimated that it is only worth 1000 yuan. Therefore, the money returned to you in the future is worthless.

The most cost-effective insurance is the insurance with pure protection function, with low premium and high insured amount.

Thirdly, the salary in China Banking and Insurance Regulatory Commission, China is actually very strict. The insurance company's attitude towards compensation is to compensate if it can, unless the cause of the accident does not meet the terms and conditions.