rift plat and so on - PTW

Text/correspondent Ting Chen "what insurance I bought good? Seems almost. "Many insurance consumers had similar doubts, in the face of" almost "insurance product, really do not know where to start. Indeed, because it is not like clothes, food "tangible" insurance comparison between the product appears to be more complex and difficult. But it's notMeans not fully comparable between insurance products. To be selected to the high cost of life insurance products, might as well do it through the following main aspects, combined with the company behind the product, agent-oriented factors, such as the background, make comprehensive considerations ultimately buy more favorite products. A scope than "select insurance, of course, you can compare prices, But also to remind you that the insurance as a financial product, different clothes, food and other goods, cannot treat than when comparing prices, must be scientifically than, or simply doesn't ' compared the two and choose their ' role. "Leading insurance experts, Fudan University Insurance Institute Director Professor Xu Wenhu told our reporter. "Insurance price comparisons can be said to be a very complex problem, So prepare for some products to be comparable, it is one of the most basic principles of insurance price comparison. You say Apple's Lai Chi Kok expensive is expensive, because they are two different types of fruit, with different nutritional value and utility. Insurance product is the same, different security content will have different prices. "Professor Tsui, for example�� For example, you get a firm price and another for whole life insurance company life insurance compare prices of products on a regular basis, just could not explain the problems which a product is more expensive. Second, the insurance product price comparison, be sure to contact the guarantee of insurance contracts in the specific areas of responsibility. Even the same type of insurance, as are comprehensive sickness insurance scheme, publicZhongji insurance of the responsibility of the Division is the first illness and death benefit interest b company of the sickness insurance scheme covers zhongji, end-stage of disease, elderly care, total disability, death, accidental death or burns, major natural disasters, such as extra protection for a wide range of disability insurance benefits, obviously cannot simply say that between the two, company a's product cheaper than the company b star wars the gold republic credits, because weCoverage of the larger differences. So, in comparison, are compared to select the same line; even similar insurance, Xianzhong names the same, also responsibility to carefully look at the protection section of the content is the same. Otherwise, than Bai Bi. Second than the product price and other merchandise, different companies launched similar insurance products price (rates) are how many there will be poor, And even the same company introduced a similar product, price differences may also occur. Therefore, necessary step when price is a selection of insurance products. For example, insurance liability of easy to understand insurance, insurance liability and the scope of exemption under the same circumstances, also insure $ 100,000 amount rift plat, again, a 30-year old male to buy company a's prices are 20$ 0, b company's price is $ 180, c company's price is $ 230, differences, naturally you want to shop around. Why insurance is basically the same, but have different rates? Originally, as a commercial operation, determine insurance rates are determined by the actuarial Department of each company, actuarial consider to provide the protection toCustomer costs, also taking into account the company's financial operations and in the process of selling products need fees, management fees, trading costs, and other factors, but also based on its own level of investment income, and other factors, to do a comprehensive evaluation, two companies of the similar products, even insurance responsibilities exactly the end product rate, few have achieved exactly the same rates. Three thanLikewise outside the area of responsibility, even the same price, the same liability protection, if exclusion range variables in different articles, would amount to price different also, principle with the "scope of protection" that part. Therefore, to read carefully the exclusion range. Coverage of the four conditions set the same, except the same responsibilities, the same price, butPrice differences can also occur. Because there may be "observation period", "lost days" set different conditions, comparison of health insurance, paying particular attention to these. For example, small King eyes d and e companies of two similar major sickness insurance, for significant coverage of the disease and the benefits are the same, except for areas of responsibility are the same,Is the responsibility according to the uniform provisions except for eight, gave the King the quote is bad $ 20 a year. At this time, little Kings should look at both for "observation period" set tera gold, because in accordance with the provisions, insurance accident occurs during the observation period, the insurance company may not make claims only for return of premium, the observation period before they can enjoy the benefits of good insurance. Finally, the little KingFound d company of the observation period is 90 days, while e company of the observation period is set to 180 days, so even if your $ 20 a year, Wang also may wish to choose the former. For example, small companies have a hospitalization medical insurance, the insurance terms are expressed by the same, was once hospitalized insured paying $ 100 a day hospitalization allowance exclusion tableIn the same way, same quote. But look closely at the articles and found, both "lost days" is different. No indemnity limits the number of days, as soon as the hospital begins to give allowance, set Ting the indemnity period of three days, it is evident that the product's price is relatively low, more cost-effective. Five-level if you want to buy dividend revenue settlement risks, universalInsurance, investment and even insurance and other insurance with finance and investment functions, you also want to make a comparison of income levels. Bonus insurance, universal life insurance, investment-linked insurance, payment of insurance premium is just part of their real price, and some of the "price" from the earnings to be reflected in the future, that is, if the return on future earnings higher, then a part equivalent to offsettingCost price, from the absolute low price, conversely, the absolute price is higher. Six rate fee charged if you intend to purchase universal life insurance and investment-linked life insurance, also had to carefully compare each offer various fees charged. Universal life insurance and investment-linked insurance after you charge a premium, is after deduction of the expenses, the remaining fundsInto the insured individual investment accounts for asset accumulation. Therefore, much more upfront costs deducted, on the insured, can enter into an investment account in money will be less. These two types of insurance products upfront costs need to be deducted, mainly in the initial cost, risk insurance, policy management, asset management, etc; and later includes the cost of the sale price difference is charged (some productsHas removed the cost of this post), surrender charges and so on. Before selecting these two categories of products, to find out. Buy products only in the "than" products ", buy insurance products, and may not be sure not to buy a ' best deal ', because a lot of times, prices, content protection and other aspects of the differences are relatively minor, even a game, it is difficult toAdvantages and disadvantages of a high and low, after all now product homogeneity of phenomena it is quite serious. "Famous insurance expert, Dean, Professor and doctor tutor of Hao Yansu zhongyangcaijingdaxue insurance reminds consumers said. "Instead was insurance product itself outside of a lot of things, we would also like to know to understand, transfer of risk insurance to say is, different underwriting rules, the company's solvency,Agent quality level, and so on, are all customer concerns insurance value factors. "Indeed, we bought an insurance product from an economic point of view is to give the family a barrier against potential financial risks, from a psychological point of view is to meet his and his family's sense of security, happiness, reduce anxiety, described in the theory of Maslow's five levels of needs. Therefore, insuranceValue in addition to reflect on the security features of the product, but also on a more spiritual level. It can be said that insurance should only buy the right, against you. ����But from another point of view, you should be, only buy, rather than only "cheap" theory. 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