Many people buy insurance, but when it comes time to file a claim, they face denials. They can't argue with the insurance company and can't reach their agent, feeling helpless in the hospital. This situation makes one question why they bought insurance in the first place.
Imagine, the first time you buy coffee or milk tea, do you directly purchase it or choose first? You make a selection before buying. Buying insurance is not as simple as buying a cup of milk tea. You must understand your own needs and then purchase the insurance plan that suits those needs. You might say, with so many insurance plans, how do I know what to choose?
Understanding the various insurance plans requires some professional knowledge, such as financial knowledge, medical knowledge, claim processes, etc. It's like we all love Google; just input a question and it gives us answers. A good agent listens to your risk situation, analyzes it, and suggests suitable plans, explaining contract requirements. But salespeople often push what they want to sell, not necessarily what you want to buy.
Sometimes, you meet a agent for the first time and don't know who they are. You suspect they might push high-commission insurance on you. The agent also needs to understand you, collaborate, and read your story. Without mutual understanding, trust cannot be established. Trust is built on mutual understanding, allowing transactions to begin. Anyone can be a captain in calm seas, but only one person can be the captain in a storm.
Buying insurance is to weather the storm safely. The worst fear is that the captain abandons ship during a storm. Why would a captain abandon ship? They lack weather knowledge or sailing experience, knowing they won’t survive. The captain was trusted initially. Ensure you assess a agent’s abilities before appointing them, to avoid abandonment in times of need. Similarly, evaluate agents to ensure that when you need insurance most, it's there for you.
We cannot avoid unfortunate events, so I hope to share some anonymous cases for everyone to learn from. In dark times, insurance can either destroy or save a person and their family.
