What does the orphan list mean?

Orphan slip refers to the insurance policy that needs to arrange personnel to follow up the service because the original marketer leaves his post.

Generally speaking, standardized insurance companies have orphan list mechanism. In other words, after a financial adviser leaves his post, another better financial adviser will take over the list of orphans. In particular, the higher the ranking of insurance companies, the more perfect the orphan list system.

However, if the customer buys the insurance policy in a third-party brokerage company, there will be no special person to manage and follow up the orphan insurance policy after the salesperson leaves the company, and this single form will become a real "orphan". Generally, the insurance policy without service fee is basically the last one to be delivered.

Moreover, there is no signature to prove the connection between the financial adviser and the customer, and the financial adviser has no obligation to serve the customer. Only the company's seal, such service is not guaranteed.

Extended data:

In order to prevent the policy from being invalid, the policy should be "reviewed" at the end of the year;

1. Is the coverage comprehensive?

Insurance is different from other wealth management products, which should be based on protection and supplemented by income. Under normal circumstances, a comprehensive insurance should be "pension, medical care, and family protection".

Therefore, citizens should choose insurance schemes reasonably according to their actual needs. Generally speaking, the premium should account for 10%- 15% of the annual income, and the insurance amount often needs to reach 5-10 times of the annual income to be guaranteed.

In addition, with the increase of family income, the amount of protection can be continuously adjusted. The best way is to review and adjust the amount of protection through the annual inspection of the policy before renewing the insurance.

2. Has the contact information changed?

According to the staff of Ping An Insurance's after-sales service department, a large number of policies are in a "dormant state" every year due to the increased mobility of policyholders.

Among them, most of them are due to the change of the contact telephone number and mailing address of the insured, but the insurance company was not informed in time, which led to the inability to receive important notices from the insurance company such as dividend collection and renewal, which eventually led to the dormancy of the policy.

In this regard, insurance experts reminded that once the validity of the policy is suspended due to forgetting to renew the insurance, the insured should immediately contact the insurance company to apply for restoring the validity of the policy. Under normal circumstances, as long as the customer pays the premium in time and is recognized by the insurance company, the policy can be restored.

People's Daily Online-China Life Insurance Salesman swept away the 5-year premium? For the customer, the contract is permanently invalid.