随着消费者的保障意识与投资意识逐步增强,购买保险时,除了希望满足基本的死亡、医疗、意外等保障需求,消费者往往还非常关注如何生活得更好。万能险在产品设计上较为灵活,但由于该保险责任与传统保险有较大差异,条款比较难懂,再加上个别保险代理人的不专业或有意误导,可能引起部分投保人的误解。如何避免误区,用好万能保险的灵活性也有门道。 As consumers’ awareness of safety protection and investment gradually escalates, consumers often pay great attention to how to live better when they purchase insurance, in addition to meeting the basic protection needs of death, medical care and accidents. Universal insurance is more flexible in product design. However, due to the relatively different insurance liability from traditional insurance and the more difficult terms, coupled with the unprofessional or misleading guidance of individual insurance agents, some policyholders may be misunderstood. How to avoid misunderstandings, make full use of the flexibility of universal insurance there are doorways.