How to choose a good insurance broker
Here are the five key points for selecting a high-quality insurance broker:
1. Professionalism and knowledge reserve
·Holding a qualified license: ensuring that it has legal sales qualifications.
·Cross company product analysis ability: A good broker should be familiar with the product characteristics of different insurance companies and be able to make structural comparisons, rather than only recommending products from a single company
·Financial management knowledge: In addition to insurance, one should also have certain knowledge of financial management, law, and healthcare, and be able to make overall plans.
2. Objective and neutral stance
·Standing in the customer's interest: A true insurance broker is based on the interests of the insured, not the interests of a single insurance company, to help you find the most suitable protection.
·Requirement oriented analysis: A good broker will prioritize asking about your financial situation and security needs (such as family responsibilities and mortgages) before providing solutions, rather than pushing up rates or unnecessary products
3. After sales service and claims capability
·Proactive service: Willing to regularly (e.g. annually) review policies and adjust coverage based on life stages.
·Claims profession: Able to actively assist in organizing documents and negotiating with insurance companies when issuing physiological claims, ensuring customer rights
·Transparency: Able to clearly explain the exemption, exclusion, and claim details in the policy.
4. Communication and Integrity
·Clear professional explanation: able to explain complex terms in simple and understandable language, without deliberately concealing risks.
·Patience and affinity: able to patiently listen to needs and answer detailed questions.
·Integrity and reliability: candidly disclose the advantages and disadvantages of the product.
