First of all, friends on the second floor have made it clear about this insurance.

Secondly, your insurance is an insurance contract signed with China Pacific Insurance Company, not with the salesman personally. China Pacific Insurance Company is an insurance company with excellent strength and reputation, so your insurance contract is very reliable.

Third, this insurance is a life-long major illness plus value protection, not a short-term dividend financing product. So in the tenth year, it is impossible to take out all the principal and interest.

If you want to do short-term financial management, funds, stocks, real estate, futures and gold can be used. Choosing insurance is a guarantee, not a short-term high return.

In addition, you can't have the following four mentality when buying insurance:

fluke mind

After the insurance expires, some consumers feel "losing money" and "uneconomical" when they see that there are no accidents after insurance, and may not be able to renew their insurance in the future. Insurance covers exactly one-tenth of disasters and accidents. If this one-tenth risk happens to others, it may be a story, but if it happens to you, it is 100% accident and loss for yourself. Never be careless.

consistent

When you take out insurance, you should look at others and follow the crowd. Buy whatever insurance you want, and choose as many insurances as you want. This herd mentality is also undesirable. Everyone's economic income, family composition, working environment, physical condition and so on are different. Taking others as a model to determine their own coverage is often prone to deviation, thus losing the meaning of insurance. Real insurance is to ask professional insurers to design from a professional perspective according to their own needs and abilities, so as to be targeted.

Profit psychology

The biggest benefit after insurance is to effectively transfer the risk of losses caused by possible disasters and accidents in the future, relieve their worries and make them feel safe. However, the purpose of insurance is to get a considerable compensation. To this end, they even resort to deceit, take risks, create accidents and defraud compensation. As a result, they not only failed to succeed, but were punished accordingly. To say the least, insurance is a safe investment, which brings warmth and tranquility. Only when you understand this, you will be more calm and less impetuous when you apply for insurance.

Blind psychology

You can't take insurance for granted. If you have a fever, throw it into the basket. If you buy insurance, everything will be fine. But to do your homework before and after the insurance. Blind insurance often cannot guarantee your rights and interests. For example, the scope of liability, payment methods, exemption clauses, hesitation period, etc. Be sure to be clear before insurance; Pay attention to fill in the insurance application form when determining the insurance type; After insurance, you should check the insurance policy regularly and pay the premium on time. Once out of danger, it is necessary to understand the insurance company's claims process, provide relevant materials as required, and give full play to the insurance protection function.