<section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczsU86Xty5AGtuLXxWA3CicknWhd6SrujFibic4qnG8W6aXUSLQlIxtSQotSYFA8ILXXqx6WX0szBgNtQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczsU86Xty5AGtuLXxWA3CicknWhd6SrujFibic4qnG8W6aXUSLQlIxtSQotSYFA8ILXXqx6WX0szBgNtQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span ><br /></span></section><section ><span >大家好，我是保爷。</span></section><section ><span ><br /></span></section><section ><span >相信很多保险从业者，都会遇到这样的情况，就是会遇到很多人过来咨询自己之前选的保险怎样。</span></section><section ><span ><br /></span></section><section ><span >这些人大多是作为保险“小白”发问，想要知道自己有没有被坑。</span></section><section ><span ><br /></span></section><section ><span >但遗憾的是，绝大多数都是早已掉坑而不自知。</span></section><section ><br /></section><section ><span >最后往往会衍生出一个新问题：</span><strong ><span >那我被坑了该怎么办嘛？</span></strong></section><section ><span ><br /></span></section><section ><span >还能咋办，只能爬出“坑”呗！</span></section><section ><br /></section><section ><span >保爷今天就针对“被坑”的这些问题，给大伙说说掉坑后怎么科学的“自救”。</span><br /></section><section ><br /></section><section ><span >主要从以下几个方面说：</span></section><section ><span ><br /></span></section><ul ><li ><section ><span ><span style="color: rgb(33, 89, 103)">买坑了可以</span><span style="color: rgb(33, 89, 103)">退吗</span></span></section></li><li ><section ><span style="color: rgb(33, 89, 103)">哪些情况该退保</span></section></li><li ><section ><span style="color: rgb(33, 89, 103)">应该怎么退保</span></section></li><li ><section ><span style="color: rgb(33, 89, 103)">退保的注意事项</span></section></li></ul><section ><span ><br /></span></section><section ><span ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong >一、买坑了怎么办？</strong></span></section></section></section></section></section></span></section><section ><span ><br /></span></section><section ><span >其实不少人怀疑自己入坑是因为看了保爷的文章之后，觉得自己买坑了，但是又不确定是不是真的坑。</span></section><section ><br /></section><section ><span >所以就来问保爷：</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(123, 127, 131)">“保爷，我这份保险怎么样？”</span></section><section ><span style="color: rgb(123, 127, 131)">“保爷，之前保险太坑了，有没有好的保险推荐？”</span></section><section ><span ><br /></span></section><section><section style="text-align: center"><section ><section ><section ><p><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczsU86Xty5AGtuLXxWA3CicknbnI3A2hdbicJ9qibpljuF8QNRLqQLxw18g1n5VTQFzgY5uTiaB5aSffUQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczsU86Xty5AGtuLXxWA3CicknbnI3A2hdbicJ9qibpljuF8QNRLqQLxw18g1n5VTQFzgY5uTiaB5aSffUQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></p></section><section ><section ><p ></p><section ><p style="color: rgb(76, 141, 111)"><span >案例较多，随便挑几个</span></p></section></section><section ><section ><p><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczsU86Xty5AGtuLXxWA3CickncTiawARfbGn7dNjQ87ZeQw9DwB3SHicjRoJCpyWU2NcnNlI71FbuVIaQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczsU86Xty5AGtuLXxWA3CickncTiawARfbGn7dNjQ87ZeQw9DwB3SHicjRoJCpyWU2NcnNlI71FbuVIaQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></p></section><section ><p><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczsU86Xty5AGtuLXxWA3CicknTIZnJx5p3gVXxTRcZLb498bRqLzQX9FWJ76jLStjGgUusFQxLxrCpQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczsU86Xty5AGtuLXxWA3CicknTIZnJx5p3gVXxTRcZLb498bRqLzQX9FWJ76jLStjGgUusFQxLxrCpQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></p></section></section></section></section></section></section></section><section ><span ><br /></span></section><section ><span >一般来说，带产品过来咨询的大多是在线下购买的产品，而且都是大公司的产品。</span></section><section ><span ><br /></span></section><section ><span >其实大公司产品不是说不好，只要价格合理，也没有什么坑不坑一说。</span></section><section ><span ><br /></span></section><section ><span >我们说的“<strong>坑</strong>”主要是指<strong>产品值不了那个价</strong>，却被线下代理人吹捧上了天。</span></section><section ><span ><br /></span></section><section ><span ><span >让购买的人感觉这个产品就是为你专属定制的，绝对适合你，不买就是吃亏</span><span style="color: rgb(123, 127, 131)">（其实买了才是真的吃亏）</span><span >。</span></span></section><section ><span ><br /></span></section><section ><span >对于这些朋友，保爷通常会咨询被保人的<strong>保额</strong>，<strong>保费</strong>，以及身体健康状况，然后根据实际情况来给建议。</span></section><section ><span ><br /></span></section><section ><span >如买错产品、保障太差等，保爷通常会<strong>建议退保</strong>。</span></section><section ><span ><br /></span></section><section ><span >但如果<strong>买了很久</strong>或者<strong>身体在投保后有问题</strong>的时候，保爷就<strong>不建议退保</strong>了。</span></section><section ><span ><br /></span></section><section ><span >具体原因，请接着往下看。</span></section><section ><span ><br /></span></section><section ><span ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong >二、哪些情况要退保</strong></span></section></section></section></section></section></span></section><section ><span ><br /></span></section><section ><span >保爷根据以往的经验，总结了以下4点需要考虑退保的情况：</span></section><section ><span ><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsU86Xty5AGtuLXxWA3CicknGamesb7PEX7VBZZ55icWl4DRBQupic92GEsGXILd0qvga5QGcTibErRoQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsU86Xty5AGtuLXxWA3CicknGamesb7PEX7VBZZ55icWl4DRBQupic92GEsGXILd0qvga5QGcTibErRoQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span style="color: rgb(33, 89, 103)"><br /></span></section><section ><span style="color: rgb(33, 89, 103)">1、买错产品</span></section><section ><br /></section><section ><span >主要是指本来想买重疾险，结果买成了终身寿险或其他保险。</span></section><section ><br /></section><section ><span style="color: rgb(123, 127, 131)">例如：老王想买一款重疾险，</span><span style="color: rgb(123, 127, 131)">结果被忽悠买了一份主险终身寿险+附加重疾险的捆绑型保险。</span></section><section ><span style="color: rgb(123, 127, 131)"><br /></span></section><section ><span style="color: rgb(123, 127, 131)">不仅保额共用，保费高，还买了99%的人用不到的终身寿险。</span></section><section ><span > </span></section><section ><span >这就是典型的踩坑现象，<strong>保费贵</strong>，<strong>保障还不好</strong>。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)">2、保费太贵</span></section><section ><span ><br /></span></section><section ><span >对我们来说，保险是一种金融工具，目的是为了获得应对风险的经济能力，但如果保费太贵，成为了家庭的负担，这就有点本末倒置了。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(123, 127, 131)">特别是保险都是几十年缴费，年保费如果很高的话，对于家庭来说就是一个负担，乃至影响家庭的生活质量（毕竟还要考虑到家庭收入下降的情况）。</span></section><section ><span ><br /></span></section><section ><span >保爷在<strong>「M248原则」</strong>中说过，一个家庭的年保费最好控制在家庭税后收入的<strong>8%左右</strong>，这样既不会影响家庭生活，也能让家庭有个保障。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)">3、保障太差</span></section><section ><br /></section><section ><span >很多买保险的人都不是专业人士，看保险条款就和看天书一样，单独拎出来看的懂，组合在一起就混乱了。<br /></span></section><section ><span ><br /></span></section><section ><span style="color: rgb(123, 127, 131)">最怕的就是连续交了几十年的钱，到最后出险的时候保险公司拒赔了，理由是保险条款中没有。</span></section><section ><span ><br /></span></section><section ><span >所以一旦买到那些保障范围很小的保险，或者保险理赔条款特别苛刻的，建议还是直接退保比较好。</span></section><section ><span ><br /></span></section><section ><strong><span >毕竟大多数保险“这也不赔，那也不赔”的根源其实是“从开始就没保过”。</span></strong></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)">4、保额太低</span></section><section ><span > </span></section><section ><span >很多不懂保险的人，买保险喜欢买返还型保险，往往保费很贵，保额却很低，保爷就见过，一年交几千块钱，重疾险保额只有5万、10万。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(123, 127, 131)">甚至新闻就提到有人买保险，交6万赔5万...</span></section><section ><span ><br /></span></section><section ><span >如果真的发生了一场大病，比如癌症、心脏病等等，治疗费就需要几十万，这点钱也不起太大的作用。</span></section><section ><span > </span></section><section ><span ><span >所以</span><span >千万别花大价钱去买返还型/捆绑型保险，保额低，保障差，价格还高 。</span></span></section><section ><br /></section><section ><span ><strong><span >以上4点，就是保爷总结的已经入坑的情况，如果发现这些情况就可以考虑退保</span></strong><span >。</span></span></section><section ><span ><br /></span></section><section ><span ><strong><span >当然，不要盲目想着退保，上面这几点是指非常明显的影响，例如线下买了平x福一年12000，主流重疾险却只要5000，这就叫明显。</span></strong></span></section><section ><span ><strong><span ><br /></span></strong></span></section><section ><span ><strong><span >至于像1年前买的重疾险首次出险额外赔30%，现在重疾险额外赔60%，这就不叫明显，也没必要退保</span></strong></span><strong><span >。</span></strong><span ><br /></span></section><section ><span ><br /></span></section><section ><span >毕竟退保是一件很重要的事，做这件事必然会对我们造成影响。</span></section><section ><span ><br /></span></section><section ><span >这些影响可能是经济上的，也可能是身体上的，所以我们退保前一定要斟酌好退保造成的影响。<br /></span></section><section ><span ><br /></span></section><section ><span ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong >三、哪些情况不建议退保</strong></span></section></section></section></section></section></span></section><section ><span ><br /></span></section><section ><span >影响退保与否的因素实在太多，保爷把一些重要的点整理成了一张表格，大家可以看下：</span></section><section ><span ><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsU86Xty5AGtuLXxWA3CicknREfagxHgVJxcdmjmJyaBZ6myZdwl2zrxjQAqvgef5AY1IAel5k32AA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsU86Xty5AGtuLXxWA3CicknREfagxHgVJxcdmjmJyaBZ6myZdwl2zrxjQAqvgef5AY1IAel5k32AA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span ><br /></span></section><section ><span >这张图中，保爷总结了最常见的需要考虑的5个退保的影响因素。</span></section><section ><span ><br /></span></section><section ><span >图中最让退保人最关心的就是<strong>退保</strong>带来的<strong>经济损失</strong>，也就是我们常说的<strong>现金价值</strong>。</span></section><section ><span ></span></section><section ><br /></section><section ><span style="color: rgb(123, 127, 131)">现金价值=已交保费-保险公司运营成本-风险保费+剩余保费所产生的利息。</span></section><section ><span ><br /></span></section><section ><span >一般来说长期的保险，前几年的现金价值都不高，退保的话只能拿回少量的钱。</span></section><section ><span ><br /></span></section><section ><strong><span >如果已经交了很多年，投入太多保费，却拿不回多少现金价值，就不建议退保了。</span></strong><span ></span></section><section ><span ><br /></span></section><section ><span style="color: rgb(123, 127, 131)">但如果刚投保没2年，保费投入不多，那及时止损才是明智的选择。</span></section><section ><span > </span></section><section ><span >至于另外2个因素，身体健康影响和理赔影响就是指：</span></section><section ><span ><strong><br /></strong></span></section><section ><span ><strong><strong >是否发生过影响再次投保的情况，如</strong>身体患病或发生过理赔情况</strong>，<strong>有</strong>=<strong>不建议退保</strong>，<strong>没有</strong>=<strong>可以退保</strong>。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(123, 127, 131)">例如身体患病理赔过，明显很难再买到其他保险，那么这保险再坑也只能继续保下去了。</span></section><section ><span ><br /></span></section><section ><span >而年龄的因素也很简单：</span></section><section ><span ><br /></span></section><section ><span >如果年龄太大买不了其他保险的话，现有的保险哪怕很坑也不要退保。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(123, 127, 131)">如果年龄不大的话，才可以考虑退保，毕竟新的保险保障更好且保费也不贵。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(0, 0, 0)">最后的其他因素就按照表格中保爷说的要点去考虑要不要退保。</span></section><section ><span style="color: rgb(0, 0, 0)"><br /></span></section><section ><strong><span style="color: rgb(0, 0, 0)">总之，不要因为些许保障的差距就想着退保，毕竟保险也一直在更新迭代，一定是越来越好。</span></strong></section><section ><br /></section><section ><span >当然，如果特别坑</span><span style="color: rgb(123, 127, 131)">（如某些线下产品）</span><span >，已经考虑好要退保的话，保爷建议<strong>越早退越好。</strong></span></section><section ><span ><br /></span></section><section ><span style="color: rgb(123, 127, 131)">因为越早退造成的经济损失越少，退的越晚，陷的越深。</span></section><section ><span ><br /></span></section><section ><span >例如总共就10年缴费期，到第8年退就没意义了，相当于掉坑摔断腿，这完全没机会爬上来了。</span></section><section ><span ><br /></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczsU86Xty5AGtuLXxWA3CicknCPOGNMNL1DRzhLjugZB9XtSvRoBC9MI0MGniclFLtohzthl63UrpGbw%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczsU86Xty5AGtuLXxWA3CicknCPOGNMNL1DRzhLjugZB9XtSvRoBC9MI0MGniclFLtohzthl63UrpGbw/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></p><section ><span ><br /></span></section><section ><span ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong >四、真要退保，如何及时止损？</strong></span></section></section></section></section></section></span></section><section ><span ><br /></span></section><section ><span >退保需要按照购买的情况，分为线下保险退保和线上保险退保。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)">1、线下保险退保</span></section><section ><span ><br /></span></section><section ><span >如果是线下买的保险，退保的时候需要打电话给保险公司按照指示退保，一般来说保险公司会让你带上<strong>纸质合同</strong>去<strong>柜台退保</strong>。</span></section><section ><span > </span></section><section ><span style="color: rgb(123, 127, 131)">但在这时候你要注意了，通常卖保险给你的销售人员会知道你退保，然后打电话甚至上门拜访，用各种办法对你晓之以情动之以理，其根本目的就是阻止你退保。</span></section><section ><span > </span></section><section ><span style="color: rgb(33, 89, 103)">2、线上保险退保</span></section><section ><span ><br /></span></section><section ><span >如果是在线上买的保险，就很简单，进入自己的保单页面然后用手机操作进行退保就可以。</span></section><section ><span ><br /></span></section><section ><span >如果觉得麻烦的话，直接通过<strong>电话联系客服</strong>也可以直接<strong>退保</strong>。</span></section><section ><br /></section><section ><span >但是不管怎么说，保爷还是建议大家：</span></section><section ><span ><strong><br /></strong></span></section><section ><strong><span >退保需谨慎，先确定自己适不适合退，适合退就要早做决断，快刀斩乱麻！</span></strong></section><section ><span > </span></section><section ><span style="color: rgb(33, 89, 103)"><strong><span >那退保的时候，怎么尽可能降低我们的损失呢？</span></strong></span></section><section ><span ><br /></span></section><section style="text-align: center"> <img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczsU86Xty5AGtuLXxWA3CicknDuTgp1cG3xEbQLYHpeFbmgCtMdkdDMiaib4XyXcJswnBF4UFL0PtWwOA%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczsU86Xty5AGtuLXxWA3CicknDuTgp1cG3xEbQLYHpeFbmgCtMdkdDMiaib4XyXcJswnBF4UFL0PtWwOA/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span ><br /></span></section><section ><span >保爷这里提供几个思路，大家可以了解下：</span></section><section ><span > </span></section><section ><span style="color: rgb(33, 89, 103)">1、犹豫期内</span></section><section ><span ><br /></span></section><section ><span >这个前面也说了，购买产品的时候会有一段时间的犹豫期，在这期间退保是损失最少，甚至没有损失的。</span></section><section ><span > </span></section><section ><span style="color: rgb(33, 89, 103)">2、误导消费</span></section><section ><span > </span></section><section ><span >这个是指销售人员推荐保险时出现了误导现象，你如果有当时的聊天记录，或者录音，证明销售人员存在夸大宣传或者误导你的情况，你就可以打电话给保险公司进行退保。</span></section><section ><span ><br /></span></section><section ><span >如果不给退的话可以联系中国银保监会进行投诉，只要有证据就可以退保。</span></section><section ><span > </span></section><section ><span style="color: rgb(33, 89, 103)">3、回访电话</span></section><section ><span style="color: rgb(33, 89, 103)"><br /></span></section><section ><span >我们购买长期保险的时候，一般保险公司会打回访电话，如果我们没有接到电话或者接到电话的不是我们本人，那么我们事后想要退保的话，也是可以申请全额退保的。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)">4、“代签名”</span></section><section ><span > </span></section><section ><span >这种情况一般出现在购买线下保险的时候，有些代理人为了达到销售的目的，帮投保人进行代签名。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(123, 127, 131)">例如爸妈在家禁不住洗脑给你买了保险。</span></section><section ><span ><br /></span></section><section ><span >只要合同中有别人“<strong>代签名</strong>”的现象，那么我们就可以以不是本人签名为由，申请退保。</span></section><section ><span > </span></section><section ><span >当然，如果自己当时被“洗脑”老老实实买了保险，那就没辙。</span></section><section ><span ><br /></span></section><section ><span >面对现实，准备退保接收自己的保单现金价值吧。</span></section><section ><span ><br /></span></section><section ><span ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong >五、退保的注意事项</strong></span></section></section></section></section></section></span></section><section ><span ><br /></span></section><section ><span >最后保爷来说几件如果下定决心退保前要注意的事：<br /></span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)">1、要退保，先买好</span></section><section ><span > </span></section><section ><span >如果我们觉得旧的保险比较坑要退保的话，我们一定要提前买好新的保险，并且等过了等待期之后再进行退保，保证能无缝衔接。</span></section><section ><span > </span></section><section ><span >这样做是为了防止旧保险退保了，新保险还在等待期中，这时候出险，新保险是不会赔付的。</span></section><section ><span > </span></section><section ><span >所以，我们为了<strong>保证保障</strong>的<strong>连续性</strong>，还是要<strong>提前买好新保险</strong>并且等<strong>过了等待期</strong>之后<strong>再去退保</strong>比较好。</span></section><section ><span > </span></section><section ><span style="color: rgb(33, 89, 103)">2、银行卡上不留钱</span></section><section ><span > </span></section><section ><span >如果我们有退保的想法，或者正在退保的时候，我们续保的银行卡中一定不要留钱。</span></section><section ><span ><br /></span></section><section ><span >这主要是防止我们在考虑期间，或者正在办退保手续的期间，保险公司自动把当年的保费划走了，这时候就又会损失一笔钱。</span></section><section ><span > </span></section><section ><span style="color: rgb(33, 89, 103)">3、不要相信别人说全额退保</span></section><section ><span > </span></section><section ><span >有些人交了几万块钱，最后退保的时候要损失好大一笔钱，觉得心有不甘，就在网上找到那些所谓的只要稍许手续费就能保证全额退保费的黑产中介。</span></section><section ><span > </span></section><section ><span style="color: rgb(123, 127, 131)">这种操作是非法的，先不说最后能不能全额退的回来或者退回来多少。</span></section><section ><span > </span></section><section ><span >就怕你这边刚把手续费转过去，那边就把你拉黑了。</span></section><section ><span ><br /></span></section><section style="text-align: center"> <img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczsU86Xty5AGtuLXxWA3CickndO4tVJ6QLqzVIU7Utvicia3YZjraeqtnMdQH3LcYMpicv7bNYXEpcZKQg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczsU86Xty5AGtuLXxWA3CickndO4tVJ6QLqzVIU7Utvicia3YZjraeqtnMdQH3LcYMpicv7bNYXEpcZKQg/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /> </section><section ><span ><br /></span></section><section ><span >或者最后，确实全款退回来了，但是退到了谁的账户上可就说不准了，毕竟大家互不相识，黑中介说的话听听就行，千万别当真！</span></section><section ><span ><br /></span></section><section ><span ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong >写在最后</strong></span></section></section></section></section></section></span></section><section ><br /></section><section ><span >我们在买保险时，通常要先考虑好保险到底用来干嘛，是用来应对风险还是用来理财。</span></section><section ><br /></section><section ><span >千万不要被保险销售人员一忽悠，原本只是想买个保大病的保险，最后买成了分红险、终身寿险，两全险等捆绑型保险或返还型保险。</span></section><section ><br /></section><section ><span >最后不但多花了冤枉钱，保障还没那么好。最重要的是，等醒悟过来，还要纠结要不要退保。</span></section><section ><br /></section><section ><span style="color: rgb(123, 127, 131)">不退保就要继续吃亏往里投钱，退保了就要损失一笔钱。</span></section><section ><br /></section><section ><span style="color: rgb(123, 127, 131)">不过，保爷建议能退就退，毕竟快刀斩乱麻带来的损失是最小的，持续不断的割肉才真要人命！</span></section><section ><br /></section><section ><span style="color: rgb(26, 26, 26); text-align: start">当然，这一切的源头还是保险的信息不对称问题太严重，十买九坑！并且</span><span style="color: rgb(26, 26, 26); text-align: start">掉“坑”里愿意“自救”的人实在是少数。</span></section><section ><span style="color: rgb(26, 26, 26); text-align: start"><br /></span></section><section ><span style="color: rgb(26, 26, 26); text-align: start">至于还没买保险，或者说没来得及踩坑的人，保爷强烈建议在买保险前先看看</span><strong style="color: rgb(26, 26, 26); text-align: start">【懂保爷</strong><span style="color: rgb(26, 26, 26); text-align: start">】公众号里的评测文章并咨询保爷。</span></section><section ><span style="color: rgb(26, 26, 26); text-align: start"><br /></span></section><section ><span style="color: rgb(26, 26, 26); text-align: start">能帮你省钱50%避坑100%。</span></section><section ><br /></section><section ><span ><span >如果对保险有疑问，欢迎<span style="color: rgb(26, 26, 26); text-align: start">留言或者咨询保爷</span></span><span style="color: rgb(26, 26, 26); text-align: start">。</span></span></section><section ><br /></section><section ><span >相信保爷一定能给你一些专业的建议，帮你花最少钱买对保险不掉坑！</span></section><section ><br /></section><section ><span >相关阅读：</span></section><section ><span ><br /></span></section><section ><span >返还型保险：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447787672&idx=1&sn=d4e863e865453bcd8d123138b06accc8&chksm=b2b061da85c7e8cc7fe9f61ca3359de7fe28caad3ec7686be0d970547c22beb09c327f51d6b7&scene=21#wechat_redirect" tab="innerlink">为什么强烈不建议你买「返还型保险」？</a></span></section><section ><span >捆绑型保险：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447787726&idx=1&sn=836a7ab9f1e008aa9fed8d3b7ab8c660&chksm=b2b0618c85c7e89a3a4a7fcd09a5c32a6dea42d90443c86ba86884b00b7390df18e67241e1a8&scene=21#wechat_redirect" tab="innerlink">为什么强烈不建议你买「捆绑型保险」？</a></span></section><section ><span >现金价值：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447786340&idx=1&sn=765ccf4a76d4328844404b5ae7679acd&chksm=b2b0662685c7ef302c6752e693f16a6f36647e7b9b2c85dbb953c036b3995f2e22a47a203d6a&scene=21#wechat_redirect" tab="innerlink">你买的保险最后能拿到多少钱？「现金价值」说了算！</a></span></section><section ><span >网上买保险：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447787719&idx=1&sn=a9b80b3e85772fe569fb8a4dfbc4ba4a&chksm=b2b0618585c7e8934554004c34922a850cd82a9537ee2a7868e440eec2688d759e17e1cc4968&scene=21#wechat_redirect" tab="innerlink">「网上」买保险靠谱吗？</a><br /></span></section><section ><span >健康告知、核保：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447787616&idx=1&sn=23fa5ab6db72ac7a6c51439ca0ba5775&chksm=b2b0612285c7e834a182e62142489e50581b5f5a8b1f0ade1938440194eb6c1ffb1dc9216096&scene=21#wechat_redirect" tab="innerlink">买保险时的「健康告知」以及「核保」，到底该怎么处理？</a></span></section><section ><br /></section><section style="text-align: center"><span ><span >— </span><strong >END </strong><span >—</span></span></section><section style="text-align: center"><span style="color: rgb(0, 0, 0)"><strong >愿你家的保单永不出险！</strong></span></section><section style="text-align: center"><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FaqibLpHUEcztqnW5ErxRUsSSupvmDQOpR7cvW3RU9Mws1r1icYCicxU76ib0MwTia6WhsRd3ddWevK4OJBFpXianxQzQ%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/aqibLpHUEcztqnW5ErxRUsSSupvmDQOpR7cvW3RU9Mws1r1icYCicxU76ib0MwTia6WhsRd3ddWevK4OJBFpXianxQzQ/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><strong ><span style="color: rgb(33, 89, 103)">懂保爷</span></strong></section><section style="text-align: center"><span style="color: rgb(0, 0, 0)">做硬核保险评测、找最高性价比产品</span><br /></section><section style="text-align: center"><span style="color: rgb(33, 89, 103)">你人脉圈里的保险专家</span></section><section style="text-align: center"><br /></section><section style="text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FAa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/Aa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /><span > <span style="color: rgb(136, 136, 136)">点击阅读原文，查看</span><span style="color: rgb(33, 89, 103)">保爷精选保险</span></span></section><section label="Powered by 135editor.com" ><section ><br /></section><section style="text-align: right"><section ><p style="text-align: center; color: rgb(63, 62, 63)"><span >如有帮助，<span >帮忙点个</span><span style="color: rgb(33, 89, 103)"><strong >在看</strong></span></span><span style="color: rgb(0, 0, 0)">吧</span><span >，谢谢！</span></p></section></section></section>
