What are the precautions before buying insurance

First, we should consider the business scope, business status, solvency and service level of insurance companies, and choose insurance companies with strong strength and good service.

Second, according to their own age, physical condition, family situation and financial affordability, refer to the insurance suggestions and service terms provided by the insurance company, choose the appropriate type of insurance, never buy human relationship insurance.

Third, before signing a contract, we should carefully read the terms of the insurance policy, pay attention to the contents of the instructions, precautions and liability terms, and make clear the unclear and ambiguous terms, so as to avoid the loss of compensation in the future.

Fourth, don't entrust an insurance salesman to pay the down payment. Instead, go to the insurance company in person and get the official receipt and the effective contract on the spot. At the same time, ask for the unknown matters and the payment method, contact person and telephone number.

Fifthly, after insurance, consumers should still review insurance policies repeatedly and calmly analyze the advantages and disadvantages. If you are not satisfied, you can change or surrender the insurance in time during the hesitation period (generally 10 days to 1 month), so as to avoid greater economic losses in the future.

Sixth, in the event of insurance disputes, consumers can directly report to the customer service department of the insurance company and complain to the complaint department. If there is no effect, you can complain to the insurance association and the Consumer Council. If it has not been properly handled, it can sue to the court to protect its legitimate rights and interests.