First release: Beautiful young man Xiao Wenzi
A cute and interesting financial self-media person
Hello everyone, I am the beautiful young man Xiao Wenzi, a little financial blogger who writes interesting articles seriously. .
Today, Xiao Wenzi wanted to talk to you about how our insurance plans are made in one-to-one?
wrote this article because many friends have questions:
"Why did the consultant ask me so many questions before making the plan? "
" can't directly recommend the most cost-effective product?"
I guess everyone must also want to know how the insurance plan Xiao Wenzi gave him was completed?
So, let’s put this matter in a tradable way today.
01
33each insurance plan is planned, what has Xiao Wenzi done?
Generally speaking, there are 4 steps from receiving everyone's needs to complete the plan insurance.
(1) Step 1: Receive the consultation requirement
If you don’t contact Xiao Wenzi, then I will never know that you have insurance configuration requirements.
(2) Step 2: Communication and confirm the needs
This step is to understand everyone's information and confirm everyone's guarantee needs.
Communication content usually includes:
- Understand the insured's age, gender, occupation and other information. Have you bought insurance before
- ? What insurance have you bought? What are the main guarantee demands of
- ? Fight against accidents and disease risks? Or prepare for education/oldering?
- What is the health of the insured person? What is the approximate premium budget for
- ? Does
- have an insurance preference?
- difficult questions answers.
Don’t think it’s annoying to ask so many questions from Xiao Wenzi. These are the basis for planning insurance configuration and designing the most suitable insurance configuration plan for you next.
Only when you do this key step can an insurance configuration plan be complete.
(3) Step 3: Complete the plan
Based on the information obtained in the previous step, based on risk assessment, personal needs preference, insured amount and budget, it will be combined with four basic insurance types: critical illness insurance , million-dollar medical insurance, accident insurance, and life insurance.
If there is pension and education plan , it will be accompanied by annuity insurance and increase in lifetime life.
considers it from multiple perspectives to ensure that the solution you finally gives you is the most suitable configuration for you at the moment.
(4) Step 4: Solution Explanation and Adjustment
After the plan is completed, it is time for us to confirm each other.
Xiao Wenzi will explain the products and solutions to everyone based on the preliminary communication.
During the communication process, if you add new information or new needs, Xiao Wenzi will also adjust the plan according to the actual situation.
02
just makes a solution, why is it so troublesome?
When you see this, maybe some friends are impatient:
"Can't you introduce me to several products directly?"
"Do you really need to know so much information? Is it troublesome?"
"My budget is only 3,000 yuan, just look at it and find one for me."
Here Xiao Wenzi wants to remind everyone:
Each of us has different situations, and the suitable insurance configuration plans are also different.
, which affects the insurance plan, in addition to budget, it also includes age, health status, insurance purpose, etc....
If the insurance plan is compared to a tree, we may suddenly look that each tree grows similarly.
, however, is very different in Xiao Wenzi's opinion:
often seems to be different in the schemes presented, but the logic behind them will be very different.
has several key points:
(1) See whether insurance can meet the needs
From the perspective of the insurance pyramid, our needs for insurance configuration can be roughly divided into three layers:
- The most basic protection needs, that is, having money to treat diseases;
- Next is to have personal care, including protection and savings;
- Finally, we have old things to support, which is investment and financial management.
This is just a big aspect, and there are more details.
When we configure insurance, it must be insurance products to meet our needs, not to adapt to insurance products.
(2) See whether the product can cover the risks
Each of us has different needs, preferences, health status, etc., and there is no way to use a product or a set of solutions to configure it for everyone.
takes the most details into consideration, such as:
- Does the million-dollar medical insurance include special medicines and green channels outside the hospital?
- Is critical illness insurance critical illness compensation sufficient to cover the risk?
- Is accidental medical care not limited to social security?
- Is health notification loose?
- guarantees that the content is complete?
...
(3) Design a suitable plan according to the budget
Everyone hopes that their insurance coverage will be as complete as possible.
But in addition to the guarantee, we also have to consider whether this price is within the affordable range.
After all, how much money is there and how big the big thing is~
We configure protection plans for ourselves and our families, not only to facilitate insurance purchases, but also to have evidence to rely on when purchasing insurance, but also to conduct a comprehensive analysis of the risks of ourselves and the entire family, so that we can examine ourselves and ensure that the plans can indeed meet the needs of ourselves and our families.
Xiao Wenzi didn't dare to say that every set of plans he came up with is the best, but every set of plans is definitely the most appropriate configuration plan given after comprehensive communication with everyone.
03
Xiaowenzi can provide you with insurance configuration services
After receiving insurance consultations from thousands of families, Xiaowenzi summarized the four common misunderstandings in buying insurance:
(1) Unclear needs and unclear concepts: I don’t know which insurance to buy, and I don’t know how much money to buy?
(2) No distinction between primary and secondary: I bought a lot of insurance for the children and the elderly, but I didn’t!
(3) Going in the opposite direction: I pay a lot of premiums every year, but it looks like it is all financial insurance, and there is almost no health insurance! (What's more helpless is that many friends are completely ignorant; even after Xiao Wenzi pointed out these problems, he was unwilling to believe it)
(4) Human Relations Insurance Policy: Relatives and friends do insurance, buy insurance for favors, but they don't know what to cover; more serious is that there may be no truthful notification, which lays a major hidden danger for future claims.
Xiaowenzi can provide everyone with insurance services, including: insurance consultation, existing policy sorting, and plan customization and other private services.
Through Xiaowenzi's professional analysis and sorting, as well as insurance configuration planning, it can help everyone tailor-made appropriate insurance protection plans.
greatly reduces the time and opportunity costs of everyone when choosing insurance products, choose cost-effective products, protect comprehensive products, and avoid falling into the "big pit" of insurance.
Xiao Wenzi has always believed that insurance is not the end, but the beginning of long-term insurance services.
After taking out insurance, everyone can also enjoy Xiao Wenzi's long-term follow-up services, including:
• Insurance policy management: If necessary, I will organize all insurance policies in your family and refine and summarize the main protection contents so that you can view them at any time.
• Renewal reminder: I will provide a reminder for premium renewal one week before the annual payment date. At the same time, for one-year short-term insurance, a product update reminder will be provided.
• Claim assistance: If an insurance accident occurs, I will provide claims consultation services, including but not limited to: terms inquiry, claims information list provision, full-process claims guidance, etc.
Xiao Wenzi once read this sentence and felt that it was very good:
"In fact, no matter whether you buy commercial insurance or not, everyone has at least one insurance rope. The difference is that the risk is borne by the insurance company or by the family who loves you."
I believe everyone wants to choose the former, which is why everyone comes to consult Xiao Wenzi. When
When providing protection configuration for everyone, Wenwen Dabao Beier will not deliberately and blindly pursue the so-called "cost-performance ratio", nor will she recommend products with a single product thinking, but will truly customize personalized plans based on your own needs to help you buy the right insurance.
Insurance is a decades-long service. It is not a matter of buying it. Insurance is not the end, but the beginning of the service.
From the initial risk analysis, to the selection of products, formulating plans, guiding insurance, signing contracts, and then subsequent renewal payments, insurance claims, etc., Wenwen Dabao Beier will serve the full service.
What Wenwen Dabao Beier needs to do is to help you solve all the insurance [from buying to compensation].
If you want to provide yourself and your family with exclusive and comprehensive insurance protection, it is recommended that you contact Wenwen Dabao Beier for one-on-one service, deeply analyze your family's risks and needs, and customize a protection plan that belongs only to your family for you.
I hope everyone can easily enjoy the beauty of insurance.
