Wang Xiao took the insurance plan filled in by Zhao Juan from Liu Jianming's hand and looked at it seriously.

He already knew it in his heart at this time, and he could basically confirm that Liu Jianming no longer trusted Zhao Juan.

At this time, the most embarrassing person was Zhao Juan.

Although she knew that Liu Jianming had tricked her, it was not a way to leave immediately now, which would only make her look more embarrassed, like a weasel who had fled into the wilderness, so she could only hold on here and wait for a debate with Wang Xiao.

"This policy is generally okay, but in terms of riders, I think you can have a better choice based on your financial conditions and Liu Ying's condition." After Wang Xiao read Zhao Juan's plan list, he suggested to Liu Jianming.

"Tell me about your suggestions." Liu Jianming said politely.

"Let's talk about the critical illness insurance in the plan! The design of this book is a regular consumption type of supplementary species, which has the advantage of paying less and having a high insurance amount. The disadvantage is that the coverage period is short, only 20 years. I see that Liu Ying is only fifteen years old this year, and if she is insured today, she will only be thirty-five years old in 20 years. The age of 35 to 55 is the most important stage for a person to take on family responsibilities, and a critical illness insurance is most needed at this time. If you follow the recommendations of this plan, Liu Ying will have to re-apply for insurance after the age of 35, and if you don't understand these and mistakenly think that this is a lifetime protection, you may delay the renewal of the policy. ”

Wang Xiao paused, glanced at Zhao Juan, whose face had turned pale, and continued: "If you are a working family with a small income, I would suggest that you give priority to this paragraph, after all, the ability to pay is limited. However, I see that you have a luxury car and a famous watch on your wrist, so you shouldn't be so poor, right? If the financial conditions allow, and Liu Ying is still young, I recommend changing to a whole life critical illness insurance, although the payment is much more, but it only accounts for one-tenth of the premium of this main insurance. ”

Liu Jianming glared at Zhao Juan angrily, and then said to Wang Xiao: "She only told me that the premium is small and the insurance amount is high, and she didn't tell me that there are still years to go." If I had known the truth, I would not have chosen this insurance for my daughter. ”

"I am not wrong to do this, after Liu Ying is thirty-five years old, under normal circumstances, she can already read financially, and then she can renew a critical illness insurance. The part of the money saved is allocated to the main insurance, which is only the accumulation of annual dividends and compound interest, and when Liu Ying receives her pension, it can be said that it is a huge amount of money. Zhao Juan was unwilling to admit defeat and argued strongly.

"Importantly, you didn't explicitly inform Mr. Liu that this guarantee is for a limited period of time. Moreover, the so-called insurance dividends are all linked to the operating conditions of the insurance company, and the data on the leaflet is only speculation and assumptions. Moreover, if Liu Ying is 35 years old and applies for insurance again, she will need to pay no less premium than now. In case the renewal is not timely, and there is a break in the middle, then the significance of Liu Ying's insurance now will be greatly discounted. Wang said with a smile.

"Even if I forgot to tell them just now, when Liu Ying's insurance contract expires at the age of 35, I will call her and inform her to re-insure. And even if I am no longer in the company, there will be other staff members who will remind her of the insurance problem, and there will be no interruption. Zhao Juan said, glaring angrily at Wang Xiao, very angry at his behavior of demolishing the stage in public.

Wang Xiao smiled indifferently, stared at Zhao Juan's eyes and asked, "If Liu Ying's critical illness insurance expires on September 6, twenty years later, when will you notify her?" ”

"I'll call her a month in advance to make sure she can sign the bill within the month." Zhao Juan said without hesitation.

Wang Xiao ignored Zhao Juan, turned to look at Liu Ying, and asked: "Miss Liu Ying, I also ask you a question: if twenty years later, someone from Jixiang Insurance Company suddenly informs you that among the insurance you bought twenty years ago, the critical illness insurance expires in one month, and then you understand that the insurance you bought at the beginning is not for life, will you be very angry?" ”

"Of course." Although Liu Ying couldn't guess why Wang Xiao asked this, she thought about it for a while and truthfully said her thoughts.

"At this time, will you still trust the people of Jixiang Insurance Company again? Will you consider buying an insurance product from Auspicious Insurance Company again? Will you consider changing insurance companies, or even don't trust any insurance companies anymore? Wang Xiao asked.

"Hmm...... I will definitely no longer trust Jixiang Insurance Company, and I will choose other insurance companies if I want to buy insurance, and I may no longer trust all insurance companies. Liu Ying thought seriously for a moment and said.

"Let's assume that you will have the first reaction and are ready to find another insurance company to re-insure critical illness insurance, when will you consider signing a new insurance contract with another company?" Wang Xiao asked seriously.

"Hmm...... If I hadn't heard you mention the cut-off date, I would probably have considered it after the expiration of my last insurance contract, and now I will consider it a week before the contract expires. Liu Ying pondered for a moment and said truthfully.

Zhao Juan saw that Wang Xiao and Liu Yingmo were talking for a long time that made people scratch their heads, thinking that Wang Xiao was playing tricks, so she sneered and said sarcastically: "If you have any opinions, you can just say it, you don't need to learn from Sherlock Holmes, and ask some questions that go around and around." ”

"Humph! I'm talking around and around? That's because you deliberately mislead customers in a way that makes the data on the policy look promising, so I now have to solve the problem of being hidden by you in a roundabout way. Wang Xiao shot back.

"Hmph, you can change your career to cross talk, you have practiced tongue twisters well." Zhao Juan said sarcastically.

"Well, let me ask you, why are you here at this moment?" Wang Xiao stared at Zhao Juan's eyes confidently and asked.

"Mr. Liu called me to come." Zhao Juan said confidently.

"Why did Mr. Liu call you here?" Wang Xiao asked again.

Zhao Juan was stunned, and suddenly realized that she had unknowingly fallen into the trap set by Wang Xiao.

Liu Jianming saw that Zhao Juan was suddenly dumbfounded, so he said: "I called her because she didn't tell me that there is still an exemption period for this health insurance, and I can't enjoy the rights she promised when she signed the contract with me because of illness." ”

"That's right, if 20 years later, even if Liu Ying finds another insurance company to re-apply for insurance a week before this insurance contract expires, don't forget that critical illness insurance will also have a 180-day exemption period, which is also a cut-off period." Wang Xiao explained.

Liu Ying understood Wang Xiao's intentions, and couldn't help but smile, squinting at Wang Xiao, and suddenly realized that this boy was so smart and talented.

Liu Jianming looked at Zhao Juan and then at Wang Xiao, who really thought about him and his daughter, and now it can be seen.

"When you do this, it's just two words; Selfish. I only think about how to make the data on the insurance plan more beautiful, misleading customers to think that as long as they are insured, how much money they can make, or how much they have taken advantage of, so that they do not really understand the meaning of the existence of insurance, and make them mistakenly think that this is a profitable business. Wang Xiao rebuked Zhao Juan.

"I see." Liu Jianming said suddenly.

Zhao Juan looked at Liu Jianming embarrassedly, she didn't know what he meant, now that she was embarrassed enough, how could Liu Jianming ask for surrender again, and she would lose a lot today.

"Zhao Juan, you are responsible for my insurance contract, and I am also responsible, so we won't mention it, and I won't surrender the insurance." Liu Jianming knew that he was at a loss, and he didn't sign the bill for three months, but he was fascinated by Zhao Juan's ambiguity and beauty, and wanted to exchange the insurance policy for her body, so this unpleasant thing happened today.

Zhao Juan was a little surprised, originally she thought that Liu Jianming would take the matter of getting on / bed and blackmail her to surrender the insurance in full, after all, this matter really has to be singled out, and it has the greatest impact on her, and for Liu Jianming, it basically has no impact.

Liu Jianming saw that Zhao Juan was still stunned, so he said to her: "You can go, my daughter's insurance policy will not be signed to you again." Wang Xiao is right, insurance is insurance, not stocks. I just want to give my daughter a minimum of protection when I can. If my daughter's career develops well in the future, the significance of this insurance will be insignificant to her. But in the unlikely event that she gets into trouble, the significance of this insurance is extraordinary. ”

Liu Jianming had already said this, and Zhao Juan didn't have the face to say anything more, she glared at Wang Xiao angrily, and slammed the door with a blue face.

"Wang Xiao, you can design a new insurance policy for my daughter! We'll sign it as soon as you fill it out, and I trust you. Liu Jianming said.

"Okay, but if your finances allow, I suggest increasing the annual payment amount and shortening the payment period." Wang said with a smile.

After Liu Jianming heard this, he laughed and said, "Hahaha...... You're really thoughtful, at my age, if I have such a physical problem, I may not last a few years. In this way, can I pay the premium all at once? It's nothing to me right now, I don't want to be that troublesome, and I don't want my daughter to be in trouble. ”

"Yes, our jargon is called single payment, that is, the premium is paid at one time." Wang said with a smile.

Wang Xiao only made this suggestion because it had already been seen that Liu Jianming would die in a car accident three years later. Three years later, if Liu Jianming is gone, he can't guarantee that it will affect Liu Ying's renewal of premiums.

Although he pays 100,000 yuan a year, it may be just a drop in the bucket for the current Liu Jianming; But if it is a bankrupt family, or a working family, it is a big burden, and even an astronomical amount that cannot be paid.

Fortunately, after this accident, Liu Jianming figured out a lot and became accessible.

Wang Xiao explained the terms and conditions to Liu Ying while filling in the insurance policy, which was completed in only five minutes.