(Thanks to "Genius Maple Leaf", "EvilJohn", "Adevs520", "Two-Dimensional Unique" for the reward and reminder votes, thank you.) Happy Holidays! ）

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"Brother Shen, if I just want to sell you an insurance, I will respect your idea and design a comprehensive insurance for Yingying. However, since my sister-in-law is my senior sister, and you trust me so much, I feel it is necessary to share my thoughts and suggestions. Wang Xiao said bluntly.

"You're an expert in this business, and I'll listen to you." Shen Shuliang said very generously.

Shen Shuliang believes that with his years of police experience and his ability to recognize people and his super intuition, he believes that Wang Xiao is an honest person and will not lie to him, which is why he rejected so many insurance salesmen, but took the initiative to ask Wang Xiao to sign the policy.

"Since you plan to buy a participating insurance for Yingying, you definitely not only want to build a medical guarantee for Yingying's future health, but also want to help her save a financial security fund that can prevent financial risks when she becomes an adult. Considering that you are now financially well-off, and that you and your sister-in-law have stable jobs, I suggest you consider universal insurance. Wang said with a smile.

"I have also checked some information about universal insurance from the Internet, and I heard that universal insurance is good, but I don't know which of the two insurances is better than the two insurances." Mei Yuxiang said softly.

"You didn't know this for a few years after you graduated, and I can't possibly know." Shen Shuliang looked at his wife and teased with a smile.

"China's insurance industry started relatively late, and most of the insurance types were transplanted from developed countries. In the United States, comprehensive insurance is a traditional type of insurance, while universal life insurance is an innovative type of insurance. Although universal insurance came out later than the two insurances, it already has a 20 percent share in the life insurance market, far greater than the 1.5 percent market share of the two insurances. This alone is enough to prove that universal insurance is a good choice for families with very good economic conditions. Wang Xiao quoted some foreign data and made a concise explanation to Shen Shuliang, who did not understand insurance knowledge.

After listening to Wang Xiao's comparison with specific data, Shen Shuliang had a higher evaluation of his professionalism. Even though he doesn't know about insurance, he still understands the meaning of these two sets of data.

Mei Xiangxue coaxed her daughter while listening to Wang Xiao's explanation, and after listening, she was also impressed by this junior brother.

Since she married Shen Shuliang, especially after giving birth to her daughter Yingying, she has dealt with insurance salesmen from major insurance companies, and she doesn't know if the hospital leaked their personal information, or those insurance salesmen have Tianyan, as if they all know that she gave birth to a daughter, they have come to sell children's insurance, or call her to sell some insurance about their children.

Among these people, there are many insurance salesmen who are articulate and can speak well, and there are also many insurance salesmen who can tell the various data of an insurance policy in a big way.

However, Wang Xiao is the first to be able to quote the data of the big picture of life insurance in developed countries so accurately.

And to put it succinctly, without so many complicated and obscure terms, even people who don't understand insurance knowledge can tell which type of insurance has more supporters when they hear the two distinct data of 20 percent and 1.5 percent.

Lu Miaosha listened to Wang Xiao's words, and couldn't help but be in awe of him, although Su Hui often cites some foreign life insurance data when communicating with customers, but basically about how much per capita premium is in developed countries, or per capita policy ownership rate, to illustrate the important surname of insurance.

Like Wang Xiao said, these data are also the first time she has heard them.

In fact, Wang Xiao can only say the data so specifically because he has recently used his spare time to study the history of life insurance development in developed countries, laying the foundation for his future entrepreneurship.

"Since universal insurance is so good, let's insure Yingying with universal insurance." Shen Shuliang said.

"Then you have to hear about the universal insurance first, right? Don't end up with no idea what insurance you've bought. Mei Xiangxue reminded him on the side that she was afraid that her kind-hearted husband would be emotional, so she signed an insurance policy with Wang Xiao for some reason......

"My sister-in-law is right, insurance is a very rigorous investment and cannot be emotional. There is no good or bad insurance, as long as you choose the most suitable type of insurance according to your actual situation, it is good. Wang Xiao echoed.

"Well, you can tell me about the benefits of universal insurance." Shen Shuliang said.

"There are many benefits, for example, in terms of paying premiums, I choose to pay 7,000 in the first year, and in the second year, I feel that I have too much spare money on hand, and I want to add more, so I can increase the premium at will. Not only can the premium be flexibly changed, but the sum assured of the health insurance can also be changed regularly. If after a few years of payment, the financial status has changed, and the capital turnover is somewhat difficult for a while, even if the payment of the premium is temporarily suspended, such as hospitalization insurance and accidental injury medical treatment, as long as the funds in the insurance dividend account are enough to deduct the premiums of these additional insurances, then the health insurance can still be effective, and the premiums can be renewed when the financial situation improves. ”

Wang Xiao paused for a moment, and then said: "One of the most important functions of universal insurance is that it can more effectively avoid the impact of inflation, because the interest rate of the savings account of the insurance is linked to the market interest rate. ”

Lu Miaosha saw that Shen Shuliang was still confused after listening to Wang Xiao's explanation, so she hurriedly gave an example.

"It's like 200,000 yuan fifteen years ago, and you can buy a 100-square-meter house in Jinshui City. Today, fifteen years later, it's just enough to buy a small bathroom. If you have 200,000 yuan in your universal savings account today, if inflation still fluctuates in the next 15 years as it did in the previous 15 years, you may be able to avoid the tragedy of only being able to buy a brick in 15 years, and if you are lucky, you can still buy a bathroom. Because the interest rate of the account funds is linked to the market, there are professional reasoners from insurance companies to help you do this, so that your funds can grow with the market, which can offset part of the impact of inflation. Lu Miaosha said.

Sure enough, after listening to Lu Miaosha's vivid explanation, Shen Shuliang understood a little.

"Hehe, no, I'm really old, I can't keep up with the times. However, I still understood a little bit, and it sounded like this insurance was good, so I bought universal insurance. Shen Shuliang smiled and said modestly.

Wang Xiao quietly gave Lu Miaosha an approving look, it seems that it is a very correct decision to invite her over as an assistant today.

"Brother Shen, don't be in a hurry to make a decision first, listen to me. While there are many advantages to this insurance, there are also some disadvantages. This insurance is actually a combination of a savings account and health insurance. In the first few years, this savings account needs to deduct more account opening fees, management fees, commissions and other expenses, so there is a certain discrepancy between the book income in the early stage and the funds you invested. Therefore, this is a family that needs to have solid financial security, and will consider the recommended insurance, which focuses on long-term returns, and is very advantageous in the later rate of return, but there is no advantage in short-term returns. ”

Wang Xiao told Shen Shuliang and Mei Xiangxue about some of the shortcomings of universal insurance.

Lu Miaosha frowned when she heard this, and said in her heart: Wang Xiao, Wang Xiao, you are too sincere, right? If you say that, who would dare to sign a contract with you!

Mei Xiangxue listened, stared at Wang Xiao for a long time, suddenly laughed, and said to him: "Senior brother, junior brother, you are really a sincere person." In the past two years, I have met no less than 20 insurance salesmen, and you are the only one who dares to say so clearly about the shortcomings of insurance products. ”

This shows that Brother Wang Xiao is an upright person and has not deceived you. If he's like any other insurance salesman and doesn't tell you this, don't you know it either? Shen Shuliang said to Mei Xiangxue with a smile.

Lu Miaosha sat awkwardly beside Wang Xiao, secretly pulled the hand close to him, and quietly pinched his thigh, blaming him for not being so sincere.

Wang Xiao didn't care, ignored Lu Miaosha's reminder, and then explained: "As the saying goes, it's hard to have both fish and bear's paws, and if you want to have a relatively considerable forward return, you have to ignore the short-term loss of account funds. I believe that your current economic strength is relatively thick, and in the first ten years of insuring Yingying, you may not have the opportunity to use the dividends in Yingying's policy, so choosing universal insurance for Yingying is still a very suitable suggestion. ”

"You're right, just sign this universal insurance for Yingying, you can get it now, the total premium should not exceed 400,000." Shen Shuliang said.

Wang Xiao saw that Mei Xiangxue did not object, so he began to help Yingying fill in the insurance plan.

This universal insurance comes with accidental injury medical insurance, critical illness insurance paid in advance, and he added a hospitalization medical premium to Yingying, accidental injury disability insurance, and the first premium paid in the first year is more than 17,000.

After Shen Shuliang and Mei Xiangxue signed, Wang Xiao and Lu Miaosha declined Shen Shuliang's invitation to leave them for lunch, and left the Shen family in time.

"Brother, you are so sincere, I really don't know how you signed up for those insurance policies. I can only say that with your performance today, it is entirely because of your luck that Brother Shen and your senior sister can sign it, and you have met Brother Shen and his wife, who are so easy to talk and rich, and they don't care about this premium. When she walked to the exit of the community, Lu Miaosha finally couldn't help but complain to Wang Xiao.

Wang smiled and said nothing, today's insurance policy does have an element of luck in it.

However, this also confirms from the side that the insurance literacy of the general public is still lacking.