WKS Team

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10 个致癌的坏习惯，你中了几个？

预防胜于治疗，健康可以靠好习惯守护，财务风险也能提前准备。一份医疗险、重大疾病险就能帮你把最坏的打算降到最低！

10 cancer-causing habits, how many are you guilty of?

Prevention is always better than cure. Healthy habits can protect your body, while insurance helps you prepare for financial risks. With the right health or critical illness coverage, you can minimize the impact of the worst-case scenarios!

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#癌症 #保险 #理财

保险世界无奇不有！有人为痘痘投保，有人甚至替彩票投保…

这些「奇葩险」虽然听起来特别，但真正重要的，是我们每个人都需要的基础保障。先把医疗、寿险、重大疾病险和收入保障补齐，才是真正对家人的责任！

The world of insurance is full of surprises! Some people buy coverage for pimples, while others even insure their lottery tickets…

As quirky as these policies sound, what truly matters are the essentials that everyone needs. Making sure you’re covered with health, life, critical illness, and income protection, that’s the real responsibility to your family!

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#奇葩 #保险

很多人以为，有了医药卡就等于高枕无忧。但真实案例告诉我们：医药卡 ≠ 全面保障。

35 岁的客户在确诊癌症后，治疗费用的确由保险承担了。但两年无法工作、零收入，让他背上了沉重的债务。房贷、车贷、生活开销，没有一个会因为你生病而暂停。

真正让人陷入困境的，往往不是医疗费用，而是「收入中断」。这就是为什么「收入保障」如此重要！

Many people think having a medical card means they’re fully protected. But here’s the truth: A medical card ≠ complete protection.

One of our clients was diagnosed with cancer at age 35. His medical card covered the treatment bills, but two years without income pushed him into heavy debt. The mortgage, car loan, and daily expenses don’t stop just because you’re sick.

The real financial burden isn’t always medical costs, it’s the loss of income. That’s why income protection is crucial!

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越没钱，越要有保险！

保险的本质是用小钱转移大风险。如果你手头紧，更应该做好「基本保障」，因为你没有足够的存款来抵御风险，一场大病、一场意外，就能让家庭陷入困境。

没钱时最怕就是没保障，记住：基本保障越早做好，成本越低，安心越高！

The less money you have, the more you need insurance.

Insurance is all about spending a little to protect against big risks. When cash is tight, getting basic coverage is even more important, because without savings to fall back on, one illness or accident could turn your whole life upside down.

What’s scarier than paying premiums? Having no protection at all. The earlier you secure your coverage, the lower the cost and the greater the peace of mind!

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花钱买保险，却担心关键时刻赔不到？

其实很多被拒赔的案例，并不是保险公司不讲理，而是客户在投保或申请理赔时忽略了一些细节。买保险只是第一步，懂规则，才能真的拿到保障！

Worried your insurance won’t pay when you need it most?

The truth is, most rejected claims aren’t because insurers are being unfair, sometimes it’s the little details we miss. Getting insured is just the first step. Knowing the rules is what makes sure you’re truly protected!

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很常听到大家说「做保险要外向、喜欢社交」，I 人做保险好像注定会吃亏一样…

但我们见过很多 I 人保险顾问，业绩都突破 6 位数！他们都有一个共同点，就是用真诚和专业赢得客户的信任，他们懂得用自己擅长的方式经营客户关系。

I 人其实有很多别人没有的隐藏优势，在我们团队，不管你是 INFJ、ISTJ、ISFJ、INTP… 我们都会帮你找到属于你的服务方式，现在团队在扩编中，如果你也想用自己的节奏和方式做保险，欢迎私讯我们聊聊😊

We often hear people say, “To succeed in insurance, you have to be outgoing and love socializing.”
It almost sounds like introverts are destined to be at a disadvantage…

But we’ve seen plenty of introverted insurance advisors break the six-figure mark! They all share one thing in common: they win clients’ trust through authenticity and professionalism, and they know how to build relationships in a way that leverages their strengths.

The truth is, introverts have unique advantages that others don’t. In our team, whether you’re an INFJ / ISTJ / ISFJ / INTP, we’ll help you find a service style that works best for you. Our team is expanding, so if you want to build your insurance career at your own pace and in your own way, feel free to DM us, we’d love to chat😊

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买保险没做这一步 = 白缴保费！为什么 Nomination 很重要？

如果没做 Nomination，保险金有可能无法直接给你想保护的人！

没有提名或提名错误，可能导致：
⚠️ 保险金被冻结，进入遗产程序
⚠️ 家人拿不到钱，生活陷入困境
⚠️ 想给的人拿不到，不想给的人分到了

结婚、离婚、生子或家人离世，还要记得重新检视一次！

Skipping this step? Your insurance could be wasted. Here’s why nomination matters!

If you haven’t made a nomination, your insurance payout might not go to the person you want to protect.

Without proper nomination could lead to:
⚠️ Payout frozen and tied up in estate proceedings
⚠️ Family left without financial support
⚠️ Money going to the wrong person

Got married, divorced, had a child, or lost a loved one? It’s time to review your nomination!

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#保险 #保险知识 #科普

意外和疾病，从来不会先打招呼。

30岁前，与其花钱追求舒适生活，不如先为未来打好底。这 3 张保单，不只是保障，更是给自己的安全感。

你真的准备好了吗？

Accidents and illness never come with a warning.

Before 30, instead of just spending on comfort, build a solid foundation for your future. These 3 insurance plans aren’t just protection, they’re peace of mind.

Are you truly ready?

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#保险 #保险知识 #人生 #人生规划 #意外 #疾病 #医药卡 #寿险 #意外险

你知道买了保险后，有哪些「时间点」会影响你的权益吗？

像是冷静期可以退保、等待期内不赔、保费宽限期该怎么办… 这些都是每个人都应该知道的关键时期！

这篇带你一次搞懂保单中常见的 6 个重要时期，别让不了解规则成为你错失保障的原因😉

Do you know which key time periods in your insurance policy can affect your rights?

Like the free-look period where you can cancel, or the waiting period when claims aren’t covered… these are terms everyone should know!

This post breaks down 6 important periods in a policy so you don’t miss out on protection just because you didn’t know the rules😉

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#保险 #保险知识