The best insurance agent is someone who can use the law!

Since 1990s, commercial insurance in China has been operated by banks and insurance agents. In the era of insurance agent management, it has gone through these stages. During the period from 1996-2005, in the early stage of the development of insurance business, the concept of insurance health protection was more transmitted. At this time, the number of business pieces is relatively low, mainly based on the number of pieces to win. In 2006-20 17, financial insurance in insurance played a huge role, and people understood insurance as an insurance financial product. At this time, insurance has played a saving function.

20 17 with the strengthening of supervision, insurance wealth management products gradually lose their savings function. When they turned to the value function, the whole market and agents changed. At this time, agents are required to have more professional knowledge and provide more personalized insurance solutions. This great change requires agents not only to have certain marketing experience, but also to have strong legal knowledge and financial knowledge, and to provide more value services to customers.

At this time, lawyers with certain legal knowledge come out first, and pass on more legal knowledge to insurance agents through their own understanding of the law and legal practice experience. However, we found that although many lawyers have come out, their legal knowledge is very difficult, they have difficulties in learning, and they can't grasp the key points in the use process, so it is difficult to make a deal in the end.

At this time, Mr. You Senran stood up. Master of Civil and Commercial Law (Insurance Law) from Southwestern University of Finance and Economics. After graduation, I will do business promotion in grass-roots insurance institutions, learn and exercise the training methods of insurance companies, and then do business support in commercial banks and third-party wealth management institutions. A lot of work experience and professional legal knowledge make him feel like a duck to water, with a total of nearly 5 billion premium business. Therefore, you lawyer combined his knowledge of laws and regulations and practical experience, and summed up the book "Understanding the Law Makes Trading Easier".

The article analyzes such a big problem for us from a rational point of view. 1. When dealing with customers, we should use legal thinking to reawaken customers' needs; 2. How to deal with the risk of marriage legally and effectively; 3. SME owners should use insurance as a tool to isolate their company assets from family assets.

A person from a single individual to the formation of a family, and then to the inheritance of the family. Will experience one occupational risk after another.

Personal employment, unemployment and career promotion are accompanied by changes in economy, status and responsibility. The risks of entrepreneurs are also enormous. Separation of personal assets from enterprise assets, design of equity structure, policy risk, production risk, tax risk, capital risk, etc. In the process of enterprise operation, the main consideration of each enterprise is not that it can be completed in one week. This is a project that needs overall planning and overall consideration.

The combination of modern marriage and family is completely different from before. The divorce rate in Shanghai is as high as 67%. It seems that a person feels sorry for this society without being divorced once. Therefore, the risk of marriage has become the most important risk for a family. With marriage, divorce and remarriage, the problem of one child, two children or even three children, the division of property and the inheritance of assets are all issues that every social family needs to consider.

With the tightening of national policies, housing and real estate speculation will also rise to the national level. For some people who want to emigrate, transnational asset allocation needs a more professional team to take care of it.

In view of so many problems existing in customers, we think it is naive to solve so many problems with only one product or even one category! In view of these risks of customers, we should make a comprehensive analysis from the policy level, the legal level and the operational level, so that customers can get the best satisfaction and the highest evaluation, and our related practitioners can also benefit from it.

In the process of pursuing a happy life, a good marriage is the most worth looking forward to. However, in recent years, the high divorce rate makes people have to put a big question mark on "good love", especially parents, who often devote a lot of effort to their children and give a lot of property when life is beautiful and important. However, what I didn't expect was that with the rapid marriage and divorce of children, the property accumulated for a lifetime also passed away with the dissolution of marriage.

The book focuses on the wealth management of marriage, mainly from the planning of pre-marital property and the management of post-marital property. A large number of vivid cases, one by one vivid story, let you enjoy watching and lead to in-depth thinking.

A case in the article is handled wonderfully. First of all, buy a house and a car for your child, and write down your son, daughter-in-law and your name. You only pay the down payment on the house, and the children and parents share the loan repayment. In addition, considering the pressure on children to repay loans, buy a certain amount of annuity insurance for their sons, which can cover the mortgage every month. In addition, buy a health insurance for my son, the beneficiary is my daughter-in-law.

In this way, the ownership of assets is partially transferred, but the control right is firmly in the hands of parents. Moreover, through the clever setting of the insured and the beneficiary, this policy looks warmer.

The seemingly handsome business owner is burdened with unspeakable suffering. In addition to supporting their families, they must also be responsible for and manage their own businesses. If they don't take good precautions against risks, it will also affect their families.

This paper expounds the legal provisions that can be used in asset isolation, including Article 73 of the Contract Law and the corresponding judicial interpretation. There is also Article 17 of Interpretation of Insurance Law (III).

What is expounded to us is that the property with survival attributes will not be recovered by creditors, which will lead to the court's inability to enforce it. As an insurance that is not enforced by the court, it must have the necessary conditions of "survival attribute". This money is used to support life, for retirement and even for disability benefits.

The focus of this kind of scheme design is that the configured insurance has strong personal attributes, such as health insurance, and claims and claims extended by health insurance. In addition, this configuration must be done in advance, and this configuration cannot be done before the debt occurs. Such a configuration will only be a malicious evasion of debts and will eventually be enforced by the court.

When the creditor recovers the debt from the debtor, if it finds that there is a policy that can be recovered, then after notifying the applicant and the beneficiary, if the applicant and the beneficiary agree, the policy can be executed. However, if the insured and the beneficiary disagree and are willing to repay the executable cash value, they can keep this policy and let it continue to take effect.

One of the biggest characteristics of this insurance configuration is that the cash value of the policy is extremely low. It is conceivable that if the court asks you to pay 9 million yuan to protect this100000 insurance, it is estimated that you will not do it; But if the court allows you to use 2 million or even 1 10,000 to keep this 1 10,000 policy, I think you will be willing to solve this problem.

This part enlightens us that "insurance does not have the property of avoiding debts, but reasonable planning can realize the function of asset isolation". Rational use of insurance and effective planning of cash assets.

You Senran's book "Understanding the Law, Making Transactions Easier", through a detailed analysis of life and career, deeply digs into the needs of customers, and effectively plans the risks of individuals and enterprises by using the function of asset isolation in insurance. The case is detailed, simple and well-founded, showing our insurance agents a bright future in the life insurance market, taking a professional route, recognizing the law and making the transaction easier with legal knowledge.