My children obviously don't have life insurance in China. Today, a short message suddenly said that my child had signed up for insurance.

I have read many articles about insurance on the Internet recently. Let me explain the current situation of the insurance industry to you. After careful reading, you will benefit for life.

1, the insurance salesman conservatively estimated that 80% were cheating customers. This includes intentional and unintentional. The high elimination rate of insurance company salesmen is extremely irresponsible to customers.

For example, someone later found himself cheated by an insurance salesman and complained to the insurance company. At this point, the salesman has left. At this time, even complaining is "a blind man lighting a candle in vain." Many salesmen stay in insurance companies for only one month, less than 7% in two years and less than 2% in five years.

At present, almost all domestic insurance companies have a unified statement when they make mistakes: "Now the domestic insurance industry is not standardized, and we are still learning" to excuse themselves. We might as well ask: "You are studying, should the client pay the tuition for you?" This robber logic has become an unwritten rule of all insurance companies. This sentence was said ten years ago and remains unchanged today.

2. From the nature of the contract, the insurance contract is a very unfair contract, because the written terms of the contract are unilaterally formulated by the insurance company, and some written terms have multiple interpretations. So once a lawsuit is filed, the customer will suffer. Insurance claims are more troublesome. Insurance companies are not so simple to settle claims, and 80% may go to court. In other words, once you sign an insurance contract with an insurance company, the probability of you going to court with this insurance company is 80%. Unless you give up the claim, the success rate in this 80% is probably 15%, because there are many explanations in the written terms of the insurance contract, and the normal claim is 20%. So, if you buy an insurance policy, the probability of settlement is 35%. "