The most basic thing that many insurance professionals like most is to help you with policy health checks, mainly because they can find many business opportunities from it.
So most people, when they hear this, usually reject it subconsciously, thinking that this guy is just trying to sell me insurance. I don’t know how many people have deceived me like this in my life, so I always say, “I already have someone to help me do it!”
I don't know if there is really someone helping you. If there is, are those who help you with the insurance health check-up comprehensive enough to help adjust the plan according to different aspects to create the most current and modern insurance application?
Take my case as an example. An old friend of mine recently gave birth to a baby. Her work happened to be stuck at a certain point, so she had some financial problems. But she wanted to plan insurance for her newborn. At this time, she came to ask me if there were any cheap insurance policies that she could get first?
Just like I said in previous articles, insurance is like this: "The best financial plan is to buy insurance under the premise that it will not affect your current life problems." It is not to let you save money and make your life very difficult, which is simply going against the trend.
After hearing his detailed story, I told him to find all his insurance policies and I would help him with a health check. In fact, there are a lot of details hidden in them. If you are not careful with this small action, you may inexplicably generate a sum of money that you don’t know about.
This will not only solve your current life problems, but also allow you to plan better insurance policies for your children.
After doing a health check for him and taking a closer look, I found that there were indeed some insurance policies that his parents had helped him buy since he was a child. Those legendary "principal return policies" had expired many years ago, and no cash was automatically withdrawn to the account, but the accumulated interest on the life insurance was transferred.
It depends on whether the interest generated by the life insurance that was originally transferred automatically is good, and then it can be divided into two directions: if it is high-quality insurance that meets modern requirements, use the policy as a loan to allow it to continue to generate interest and insured amount; if compared with current reality, the old model is less good, then see whether to terminate the contract and transfer it to another policy. After listing the different directions in detail, let your friend decide how to deal with it.
Don’t you think that such a small action has solved his current urgent problem?
Sometimes, looking at a problem is not always intuitive, but requires looking at it from many aspects. It is not about keeping paying for insurance in the event that you don't know when you might need it.
If the specialist who helps you handle the matter has sufficient comprehensive professionalism, he or she should be able to find a way to make the most perfect adjustment to the current situation and find all the money you may have in your lifetime. This is truly called asset planning.
And the key point is that the "policy health checkup" does not require you to spend extra money. It just gives you an extra amount of money and allows you to make your own decision again. Don't you think this is a completely beneficial thing?
My suggestion is, of course, that the best way is to ask different insurance agents to help you, so that you can find out which method is the best adjustment for you right now. After all, in an industry that requires constant improvement of different knowledge, it is not necessarily the case that the elders are the best!
After all, this is a high-tech age, so don’t forget about the powerful tool of Ai!
Today when I was taking my neighbor's dog for a walk, I found a hole in the middle of the rice field. Do you know what the reason was?
Is it like the confusing financial problems in your life?
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