Are you confused about buying insurance?
really wants to buy an insurance, but it feels uneasy without insurance; if you want to buy it, it feels very complicated and troublesome, and I don’t know how to buy it? Who should I buy it? So, this matter has been put on hold, and when I think about it inadvertently, it is another matter of concern.
consulted several insurance companies around me, but the salesmen of each company said that their products are good, so they were confused about which one is good, and they couldn't figure it out.
If there is, then you need a professional insurance broker!
1⃣️Definition of insurance broker
Insurance brokers are institutions that provide intermediary services for policyholders to enter into insurance contracts with insurers and collect commissions in accordance with the law based on the interests of the policyholders.
Insurance brokers do not help a certain insurance company sell insurance, but help you choose suitable insurance products based on your needs.
Brokers are more like doctors. Doctors will give professional treatment plans based on the conditions of different patients and prescribe the most suitable medicines for you.
Similarly, the insurance broker will ask you and your family in detail, understand your real needs and family planning, and give a "risk management prescription" through professional processes. Professional prescriptions will help you minimize investment and maximize benefits.
Xiao Wang wanted to fully equip the basic protection. The insurance broker planned the plans of different insurance companies based on Xiao Wang's own situation, and finally took out the critical illness insurance of Company A + medical insurance of Company B + life insurance of Company C + accident insurance of Company D. The combination plan helped Xiao Wang save a lot of premiums, and the insurance coverage was still very comprehensive.
So what is the difference between an insurance broker and an insurance agent?
2⃣️The advantages of choosing an insurance broker
01. Time-saving: Customers do not need to learn a lot of insurance knowledge by themselves, do not need to consult multiple insurance companies, and through insurance brokers, they can clarify their own needs and fully understand the latest product information in the market. Nowadays, product information, consultation, policies, etc. are updated every day. It will definitely be difficult to explore just by relying on a little bit of personal experience, and the mastery will not be comprehensive. Even if you spend a lot of time and master it comprehensively, there may be new changes in the policies and products.
02. Labor-saving: Insurance brokers will assist in handling various procedures and coordinate handling of various problems. Brokers will connect with various insurance companies to insure, underwriting, submitting information, applying for claims, sorting out family insurance policies, etc. Customers only need to connect with insurance brokers.
03. Worry-saving: Insurance brokers assist you in handling claims, safeguard your rights and interests from a professional perspective, and maximize your interests. Multiple insurance companies will be insured to avoid being notified of physical examinations when they are too high; customers with health problems can take in insurance together with multiple insurance companies and choose the best results to cover.
04. Save money: Insurance brokers can select the advantageous products of multiple insurance companies and combine them to help you save an average of 10%-30% of premium expenses. If it is the same premium, you can provide a higher insurance amount and buy better insurance terms; if it is the same clause, you can save some of the premiums in comparison.
3⃣️Talk about the learning of insurance brokers
01. First of all, learn the product line, and have a thorough understanding of insurance products, including critical illness insurance, medical insurance, accident insurance, annuity insurance, etc. of the company's sales and the main insurance companies. Basic skills must be mastered in terms of its product characteristics, contract terms, insurance requirements, etc. Such as common product comparison table.
02. Organize health notifications, physical examination reports, outpatient medical records, discharge records and other information, as well as predictions of underwriting, and awareness of medical resources.
03. Mastery of related legal business knowledge such as marriage and inheritance. Such as the choice and distribution of policy recipients.
04. Design of insurance plan, insurance process and post-archiving, and mastering financial knowledge related to insurance policies.
4⃣️ Let’s talk about it again—Mingya Insurance Brokerage Company
Insurance Brokerage is actually relatively mature abroad and may still be relatively new in China. The Mingya Insurance Brokerage Company, where I joined, was established on November 18, 2004 with a registered capital of 75.6 million yuan. It is headquartered in Beijing. It focuses on personal life insurance brokerage services and provides risk consulting for mid-to-high-end individual customers. It is by far the largest insurance brokerage company in China that provides personal life insurance brokerage services.
is different from traditional insurance sales channels. Mingya adheres to an independent, objective and fair position. Relying on a professional service team and a rich product system, it has transformed the insurance industry's product marketing-led model into a customer-centric consulting analysis and consulting service model. Help customers "understand clearly, buy insurance clearly, and enjoy life steadily."
I hope everyone will avoid detours on the road to buying insurance! Of course, following me is the beginning of you avoiding detours, because your attention is my focus!
