(Thank you for the reward of "Mighty Cat Yellow Spring", thank you!) )

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"In her freshman year of high school, she suddenly had a bad lymphoma, and the fate of both of us was changed because of this. Her father saved some money by selling small sesame oil in a small county town, but his money was spent in less than a month. By the time her bone marrow transplant was successfully matched, her family had borrowed all the money they could borrow and sold everything they could sell, but there was still a gap of more than 400,000 yuan in treatment costs. No money is equal to no life, at the critical moment, her father remembered that about ** month ago, he had bought an insurance from Jixiang Insurance Company under the persuasion of a friend. ”

Wang Xiao paused slightly, breathed a sigh of relief, and continued: "At that time, we were still a very poor small county, and many people had never even heard of insurance. Her father also heard from that friend that this is a big company, reliable, pay a thousand yuan a year, and if there is any illness in the future, he can find an insurance company for reimbursement. Her father has always regarded her as the jewel of his palm, and after repeated persuasion from friends, he bought this insurance. And guess what? ”

Lu Miaosha saw that Wang Xiao said very calmly, it seemed that he had completely let go of this matter.

But she also guessed that the story must not have such a perfect ending, otherwise Wang Xiao would not be single at this moment, and it would not be possible to recognize her as a godsister.

"Got a problem with insurance?" Lu Miaosha guessed.

"Insurance is fine, it's people who have problems, and it's not one person's fault, it's a many's fault. In the tragedy of Zhang Xueyan's death because she had no money for treatment, many people were guilty. When Wang Xiao said this, his emotions were a little excited.

"Zhang Xueyan?" Seeing Wang Xiao suddenly say a girl's name, Lu Miaosha couldn't help blurting out and asking.

"That's what I'm talking about." Wang Xiao let out a long sigh.

"What the hell happened to that insurance?" Lu Miaosha couldn't help but ask curiously.

"It's a pure participating insurance with no riders, which means there's no point in anything other than saving money from the insurance company. Can you trust it? How ironic it is that a peasant family, who worked hard for decades to enter the city, bought the first insurance, the only insurance for the whole family, is not a participating insurance that includes critical illness insurance! Wang Xiao said indignantly.

"It's too much." Lu Miaosha also echoed indignantly.

"First of all, it's Zhang Xueyan's father's friend, you said that you didn't even understand what insurance is, so you dared to sell insurance to your friends? I really don't have a sense of responsibility at all, and I get into the eyes of money. After Zhang Xueyan died, her father had several fights with this friend. Wang Xiao said resentfully.

"The insurance company didn't train them?" Lu Miaosha said in astonishment.

"We later learned that Zhang Xueyan's father's friend was not a formal employee of the insurance company at all, nor did he obtain the insurance agent qualification certificate, so he had not studied for a few years. He just heard from others that he made money by selling insurance, so he found a friend who had the qualification of an insurance agent, helped that friend find a bill, and then took a commission from it. It's hateful that the insurance agent, for the sake of the policy commission, actually hit it off with him, and then let the guy who knew almost nothing about insurance start pulling the policy. ”

When Wang Xiao said this, his voice had raised a lot, and his anger could be heard from his voice.

When Lu Miaosha heard this, she was already able to understand why Wang Xiao reacted so violently to Chen Yushuang.

If Wang Xiao hadn't stepped forward, maybe Zhang Huiling's family might have repeated the tragedy of Zhang Xueyan's family.

"This kind of person has no professional ethics and no minimum sense of responsibility as a person, and sooner or later he will be struck by lightning." Lu Miaosha cursed.

"It is not only them who should be struck, but also the relevant persons in charge of insurance companies, who blindly pursue rapid development, use various means to seize market share, are too eager for quick success, and do not strictly control the agents who act as agents for the company's products. In a small county town, the first insurance that a farmer bought for his daughter turned out to be a naked insurance with only dividend insurance, and it passed the underwriting smoothly, no one realized whether the policyholder really knew about this insurance, and no one asked whether the insurance agent who submitted the document was negligent. ”

Over the years, Wang Xiao has been haunted by this, Zhang Xueyan's death hit him hard, his grades had been very good before this, but after Zhang Xueyan's accident, his grades plummeted, and he was admitted to university after repeating his third year of high school for a year.

Since Lu Miaosha worked with Su Hui, she has also learned some about the situation, and now the domestic insurance industry does have a lot of immaturity, and compared with developed countries, it is only in the initial stage of development.

"'Serious' is just two words, and it's just two words, and few people take these two words seriously, which is the embarrassment of some of us now." Lu Miaosha said.

"That's right, Zhang Xueyan's matter, her father also has a certain responsibility, if he didn't do things emotionally at the beginning, and was a little more serious when signing the insurance contract, things might not be the way they are now. In China, many people are accustomed to relying on acquaintances to solve some problems, and think that only acquaintances are the most reliable, which is a very wrong view. The most reliable thing is the contract, if he could have carefully studied the insurance contract, no matter how knowledgeable people can see the problem. Wang Xiao said sadly.

Lu Miaosha didn't know how to comfort Wang Xiao for a while, although what he said was a bit extreme, but it was also true.

"My initial purpose in entering Auspicious Insurance was not to become an insurance agent who lives on commissions, but to experience the life of an insurance agent, to find some problems more closely, and then expose them. But now I don't think so, because I realize that just exposing the problem won't solve the problem, I need to dig deeper into the problem and then find a better solution. Wang Xiao's mood calmed down slightly, and he became much calmer when he spoke.

"You don't want to write a detailed report to Jixiang's higher-ups, do you?" Lu Miaosha asked.

"They're too eager to get a quick fix, and if I could find a better solution, I wouldn't give them away easily, and they're unlikely to take it. So, I have to do everything I can to set up my own insurance company in the future, a more perfect insurance company, and I want to create a stronger opponent for them and force them to improve themselves. So, my goal is not just to be a company called Lucky Insurance. Wang Xiao said excitedly.

Lu Miaosha was a little stunned when she heard this, it is not easy to set up an insurance company, this is different from setting up a trading company, not only requires an astronomical amount of money, but also needs to solve many unimaginable policy problems for ordinary people, which is not a dream that can be completed with ambition alone.

For Wang Xiao's current state, such a goal is closer to the state of an idiot's dream.

Although Lu Miaosha didn't believe that Wang Xiao could achieve such a grand goal, she couldn't bear to hit him.

"This is not a one-year or two-year career, it may not be completed in ten or twenty years, he must be mentally prepared." Lu Miaosha was worried that he would soon be depressed by various problems, so she gave him a preventive shot in advance.

"I believe in miracles." Wang said succinctly with a smile.

Miracles had been happening to him since he had the ability, so he believed that more miracles would happen to him.

"Anyway, you are my brother, I will support you no matter what you do!" Lu Miaosha gave him encouragement.

"Be my temporary girlfriend and accompany me home for the holidays, do you support it?" Wang Xiao suddenly changed his words and asked.

"Ahem, cough, it turns out that you deliberately set me up!" Lu Miaosha teased noncommittally.

"I'm going to draw up a contract for inviting you to accompany me home for the holidays, will you agree to sign it?" Wang Xiao smiled at her and asked softly.

"Then you have to let me see the specific content of the contract before making a decision! I'm a serious person. Lu Miaosha smiled.

"Okay, I'll work on this contract so that you can't find a reason to refuse." Wang said with a smile.

Lu Miaosha narrowed her eyes, stared at Wang Xiao for a long time, and suddenly muttered: "Since you have told me so many of your secrets, I will also confess to you: I lied to you, I told you that I was engaged, but in fact, I didn't; I told you that my mother died early, but in fact, I am not sure, because she did something similar to Zhao Juan's mother. ”

"Hehe, I guessed it a long time ago." Wang smiled and said.

"You're not mad at me?" Lu Miaosha asked.

"Why be angry with you? You're like a frightened little sparrow, wary of anyone, even me. I understand you, how could I be angry with you? Wang Xiao smiled slightly, and then said, "Some people's lies not only do not make people angry, but also make people feel sorry for her. ”

Lu Miaosha smiled and said nothing, and there was a little bit of emotion in her heart, which she had not felt for many years.