Wenzhou bus insurance bidder PICC P&C insurance

China's insurance industry is protected by contract law. Marketing is like pyramid selling. A large number of employees are required to attract relatives and friends to sell insurance. And pyramid schemes are the same nature! However, one is legal and the other is illegal, and the mode is the same as MLM! Whether it is legal or illegal, as long as you remember, except accident insurance, other types of insurance are deceptive, so you will not be deceived, especially dividend insurance, be careful of fraud.

This insurance involves more cheating and cheating, which makes people more sad and unreliable. Therefore, when purchasing critical illness insurance, you'd better consult a doctor to see how far your expectation is from the promise of the insurance company. It's not so much critical illness insurance as "181 glasses of palace banquet wine." It's better to say, "In fact, it's the boiling water mixed with Erguotou." Zhao Benshan > This is a lie.

As long as you want to take money from the insurance, you will be calculated by the insurance in the end! Why do insurance companies hire a large number of actuaries? Is to calculate the customer's money, they calculate that in addition to the money earned by the insurance company, the remaining money (the so-called cash value) is your money! Whether it's 30 years or 40 years, after deducting the money earned by the insurance company, the rest (cash value) is your money! Because life insurance is life insurance, if you don't refund your money until you die, it's considered surrender (cash value is given to you). Remember, buying insurance means spending money for unpredictable risks in the future, but not making money, remember! Remember!

Insurance companies hold meetings every day (morning meeting of insurance companies) to talk about some ways to fool people, that is, dividends will be paid for decades. Hey, when you look at a lot of numbers, you will be jealous. It's simply insurance that confuses people and induces customers to be deceived with benefits! In fact, it is very simple to understand insurance, that is, look at your "guarantee" when you are in danger, and look at the "cash value" of your policy when you are not in danger. No matter how many years, because life insurance is life insurance, surrender is considered as surrender until you die (cash value is for you), so understanding these two figures will not be fooled by selling insurance.

Insurance only talks about cash value, not about principal and dividends, and there is a cash value table on that cash value insurance contract, and you will understand how much it is for many years. That sum of money is far less than the principal, whether it is withdrawing money, surrendering or so-called pension conversion, it depends on the cash value table. The insurance salesman didn't explain the cash value of the insurance policy to you. After that, the customer stopped buying, so he tricked you into paying the premium and taking the money. It is a loss to withdraw money from insurance for several years. In fact, even if you take the principal for several years, the currency depreciation of your principal will lose a lot. Remember later! The so-called "insurance" is used to resist risks, not to manage money, and it is more difficult to make money with insurance. If you want to manage money to make money or resist currency depreciation, you can do funds and government bonds. So dividend insurance is to cheat customers' money in the name of insurance.

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