“我在美国读了三年研究生，最后做了保险代理人”
<p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">一起做懂保险的人</span></p><div class="_3w6P6 _2we4H imgInArticle" style="margin: 21.3333px -14.2222px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><div class=" bJSEN _3cqcG _3DIO- " style="outline: 0px; border: 0px; padding-bottom: 242.563px; vertical-align: baseline; font-size: 12px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); background-color: transparent; position: relative; line-height: 16px; height: 0px;"><img src="http://cdn.read.html5.qq.com/image?filesize=41362&imageUrl=http%3A%2F%2Finews.gtimg.com%2Fnewsapp_match%2F0%2F5980539460%2F0&imgflag=15&r=17&referUrl=http%3A%2F%2Fkuaibao.qq.com%2Fs%2F20181025G1RK4J00&rspimgflag=0&src=read&t=0" style="border: 0px; outline: 0px; vertical-align: bottom; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); border-radius: inherit; position: absolute; width: 570px; height: 242.563px; top: 0px; left: 0px; max-width: 100%;"></div></div><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">我的高中同学梁良，研究生3年就读于美国某名牌大学，学的是酒店管理专业。</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">按照我们的想象，在国外一边学习美食，一边结交五湖四海的同学，多自在。</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">事实也的确如此，她也经常在朋友圈晒一些美食、美酒这些有情调的场景，简直是我们这些加班狗羡慕的人生巅峰啊。</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">想一想，当我们还在苦逼地吃快餐的时候，人家在纽约的夜景中品味着美食，多舒服啊。</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">正当我们以为她要在国外工作，从此以后开启人生巅峰的时候，她回国了，而且工作地点不是米其林餐厅，工作内容也不是点心制作，你猜是什么？</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="font-weight: 700; margin-bottom: -7.11111px; outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative;">是平安保险。</span></p><div class="_3w6P6 _2we4H imgInArticle" style="margin: 21.3333px -14.2222px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><div class=" bJSEN _3cqcG _3DIO- " style="outline: 0px; border: 0px; padding-bottom: 207.414px; vertical-align: baseline; font-size: 12px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); background-color: transparent; position: relative; line-height: 16px; height: 0px;"><img src="https://zxpic.imtt.qq.com/zxpic_imtt/2018/10/26/0440/originalimage/044639_2945636036_2_1000_363.jpg?" style="border: 0px; outline: 0px; vertical-align: bottom; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); border-radius: inherit; position: absolute; width: 570px; height: 207.414px; top: 0px; left: 0px; max-width: 100%;"></div></div><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">纳尼？一个留学回来的高材生，放弃了一片光明灿烂的人生，不做美食，改做保险了？！</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">表面上祝福她开始了新的人生，心里扼腕叹息：</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">梁良啊梁良，你可能真的要凉凉了。</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">半年过去了，虽然她的事业做得风生水起，但我们依然没有办法理解她当时的决定。</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="font-weight: 700; margin-bottom: -7.11111px; outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative;">没办法，国内大众对从事保险行业的人，总是带有一种偏见。</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">偶然一次老同学聚会，有人好心地问梁良工作情况，梁良云淡风轻地说：</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">我知道你们很多人都不相信我，你们知道，买保险很重要，但是你们不相信我们。</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">虽然我们尊重每一份工作，但是潜意识里，大多数的中国人还是觉得，保险代理人很讨厌，遇到他们，我们是能躲就躲，能避就避。</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="font-weight: 700; margin-bottom: -7.11111px; outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative;">其实每一个行业，都有它各自的光荣和不容易，都存在各种误解和歧视。</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="font-weight: 700; margin-bottom: -7.11111px; outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative;">那么保险行业，可能是中国被误解和歧视最多的行业了吧。</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">那么问题来了，为什么中国人这么讨厌保险销售人员？从什么时候开始，保险成了我们既爱又怕的东西呢？</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">知乎上有人说：“保险公司就会欺负老实人。”用咱们的大白话讲就是：</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="font-weight: 700; margin-bottom: -7.11111px; outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative;">不实诚。</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">拿我家来说，我爸妈坚决反对购买保险，为啥呢？</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">据我奶奶透露，是20年前，我爸的一个朋友做保险代理人，给我家推荐保险。</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">那时候两个人关系铁啊，朋友说得什么病都能报销，我爸也选择无条件相信，就在2000年的时候买了5份保险，全家人一人一份。</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">后来呢？5年后，我奶奶因为做心脏疾病做手术，花了一大笔钱，想着买了保险能报销，于是就找了那位保险代理人，也就是我爸的朋友。</span></p><div class="_3w6P6 _2we4H imgInArticle" style="margin: 21.3333px -14.2222px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><div class=" bJSEN _3cqcG _3DIO- " style="outline: 0px; border: 0px; padding-bottom: 379.993px; vertical-align: baseline; font-size: 12px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); background-color: transparent; position: relative; line-height: 16px; height: 0px;"><img src="https://zxpic.imtt.qq.com/zxpic_imtt/2018/10/26/0440/originalimage/044640_2945636036_3_525_350.jpg?" style="text-align: center; border: 0px; outline: 0px; vertical-align: bottom; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); border-radius: inherit; position: absolute; width: 570px; height: 379.993px; top: 0px; left: 0px; max-width: 100%;"></div></div><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">结果是什么呢？没戏，说得的这个病不在报销范围内，还白交了一大笔钱，从此我家人就不相信保险了。</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">梁良说，保险公司开展了很多业务，有线上和线下很多销售渠道，线上就是保险经纪。</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="font-weight: 700; margin-bottom: -7.11111px; outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative;">保险经纪说白了，就是代理人，也就是保险公司的中介。</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">卖的多了有提成，卖的少了没奖金，相当于我们平时说的某某房地产中介。</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">看到满意的房源，我们就会跟房地产中介签订合同，但是后续的问题是由房地产中介公司承担的。保险也是一样的，签订完合同之后，不承担风险。</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">保险经纪会想各种办法促成订单的合作，增加自己的收入，免不了有人钻空子，能吹就吹，能忽悠就忽悠。</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">不仅如此，保险行业从业门槛特别低，不需要高学历，也不需要精尖技术，所以就有人看了几页书，学了几堂课就开始做保险销售了。</span></p><div class="_3w6P6 _2we4H imgInArticle" style="margin: 21.3333px -14.2222px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><div class=" bJSEN _3cqcG _3DIO- " style="outline: 0px; border: 0px; padding-bottom: 379.993px; vertical-align: baseline; font-size: 12px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); background-color: transparent; position: relative; line-height: 16px; height: 0px;"><img src="https://zxpic.imtt.qq.com/zxpic_imtt/2018/10/26/0440/originalimage/044640_2945636036_4_1000_666.jpg?" style="text-align: center; border: 0px; outline: 0px; vertical-align: bottom; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); border-radius: inherit; position: absolute; width: 570px; height: 379.993px; top: 0px; left: 0px; max-width: 100%;"></div></div><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="font-weight: 700; margin-bottom: -7.11111px; outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative;">保险经纪人的业务水平参差不齐，所以我们用户得到的承诺也是花样百出。</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">想起来电视剧《亮剑》的一个片段。</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">日本兵围剿八路军，八路军要突出重围，可是因为在围剿前期，八路军的队伍扩张速度太快，部队成员战斗水平参差不齐。</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">新兵太多会出现什么情况呢？拉低了部队整体战斗力，所以在突出重围的时候，八路军方面吃了很大的亏。</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">一样的道理。</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">今时不同于以往，以前的老一辈人注重温饱生存，如今我们更在乎资产安全，而买保险刚好能降低财务风险。</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">保险是要买的，问题是找谁买？</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">有人说，我还是不相信保险代购，所以保险要买大公司，不能买小公司，不然赔付不了。</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="font-weight: 700; margin-bottom: -7.11111px; outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative;">今天给大家普及一个小知识：买保险，公司大小是次要的，更主要的是要看公司产品。</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">只要符合保险条款中保险事故定义的理赔，无论公司大小，保险公司都会赔付，因为有保监局对消费者提供保护机制，我们国家的监管力度还是很严格的。</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">刚开始我不明白，担心小型保险公司拿钱跑路了怎么办？于是我就问梁良。她的回答是这样的：</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="font-weight: 700; margin-bottom: -7.11111px; outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative;">中国的保险公司，无论大小，背后都是有实力很雄厚的股东，不会那么容易破产的。</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="font-weight: 700; margin-bottom: -7.11111px; outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative;">而且保险界还有四大法宝，管理很严格。</span></p><div class="_3w6P6 _2we4H imgInArticle" style="margin: 21.3333px -14.2222px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><div class=" bJSEN _3cqcG _3DIO- " style="outline: 0px; border: 0px; padding-bottom: 379.993px; vertical-align: baseline; font-size: 12px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); background-color: transparent; position: relative; line-height: 16px; height: 0px;"><img src="https://zxpic.imtt.qq.com/zxpic_imtt/2018/10/26/0440/originalimage/044640_2945636036_5_525_350.jpg?" style="border: 0px; outline: 0px; vertical-align: bottom; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); border-radius: inherit; position: absolute; width: 570px; height: 379.993px; top: 0px; left: 0px; max-width: 100%;"></div></div><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">什么，还有法宝？看到我来兴趣了，梁良就给我恶补了一下知识：</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">最高监管机构——保监会：只要是跟商业保险行为有关的，都归保监会管，他们管的可严格了。</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">最高监管法律——保险法。保险行业依据和遵守的所有内容，都必须符合这相关制度。</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">最安全监管方式——偿付能力监管。保险公司想倒闭？没那么容易。</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">最托底保障方式——保险保障基金。万一公司倒闭了，我们买的保单仍然是有效的。</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">也就是说，保险公司即便倒闭了，我们的保单也是受法律承认的，还是有效的，一旦发生事故需要理赔，保监会就启动保险保障基金。</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="font-weight: 700; margin-bottom: -7.11111px; outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative;">敲黑板划重点：无论保险公司大小，无论线上线下，小伙伴需要看清楚保单的具体内容。</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">是不是有免责条款？是不是有隐藏细节？是不是花冤枉钱？</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">这些都需要看明白，如果实在看不懂保险条款，我建议你可以看保险条款里“保险责任”和“责任免除”这两部分。</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">弄明白这两部分内容，我们就心中有数了。</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);">至于线上和线下的保险项目，最根本的差别还是在于保险细则，所以一定要认真看保险条款，这才是重中之重。</span></p><p style="margin-top: 17.7778px; outline: 0px; border: 0px; vertical-align: baseline; font-size: 16px; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative; color: rgb(36, 36, 36); font-family: "Helvetica Neue", Roboto, "microsoft yahei"; text-align: justify; background-color: rgb(250, 250, 250);"><span style="font-weight: 700; margin-bottom: -7.11111px; outline: 0px; border: 0px; vertical-align: baseline; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); position: relative;">-END-</span></p><p></p>
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