Insurance Remodeling: A Necessity in Today’s Changing Landscape

Lee Hong-jun, a⁢ team leader​ at⁢ The Partners with 19 years of experience as⁤ an insurance planner, emphasizes the importance of insurance remodeling in today’s ​changing landscape. “Insurance​ needs to be ‌remodeled ⁣just like old ‍buildings are ​rebuilt,” he says. “The ⁢more experience, the ‍better ⁤the designer…‍ The customer also has‌ to make an effort.”

Lee Hong-jun explains that⁣ insurance remodeling is necessary because ​trends change​ over time, and new⁢ products with wider coverage⁣ and higher insurance premiums are created. He shares ⁢an example⁣ of a customer who signed up for a ‌new cancer insurance product⁤ following his recommendation and was able to receive 50 ‌million ⁣won ⁤in insurance money after being‌ diagnosed ‌with breast ‍cancer.

What ‌is ⁤a Good Designer?

Lee Hong-jun emphasizes that a good ⁢designer is one who has ‌more than 10 years of experience and knows​ the terms‌ and​ conditions well. “A designer⁢ with more than 10 years of ‍experience will have a ⁣lot of⁣ compensation history and will have‍ a lot of knowledge about the ‍product,” he says.

Criteria for Conducting ⁣Your Own Warranty Analysis

Lee Hong-jun provides the following criteria for customers‍ to conduct their own warranty analysis:

• Actual loss insurance is the core ‌of health insurance, ​so it is⁢ the most basic.
• The three major diagnosis fees of cancer, brain, and heart ‌disease ⁢are essential.
• In the case ⁣of cancer‍ insurance, the major cancer treatment fee is popular, so ⁣it is worth considering signing up.
• Heart ‍disease and ⁢cerebrovascular disease should be included as diagnostic‍ special contracts to ⁣prevent the problem of non-payment of insurance ⁢money.
• Unless you are an elderly person, ‍a non-renewable type that‌ does not increase the insurance‍ premium is advantageous.
• You should also check if⁤ you have signed up for other products‍ such as actual loss insurance.

What Level of Insurance Premium is Appropriate?

Lee Hong-jun explains⁣ that the standards vary‍ depending on various conditions such as ⁤the type of residence and whether one lives in the metropolitan⁤ area. However,⁤ he​ suggests that ⁤it is ‌reasonable to⁢ structure it so that a single-person household can‍ pay 5-6% of⁢ their monthly income as insurance premiums, and a family of four can ⁢pay 10-12% of their‌ monthly income.

The Importance of Insurance ⁣Planners

Lee Hong-jun emphasizes ⁢the importance of insurance planners in the industry. “As the level of customers ‌in Korea has ‍improved, insurance planners have ‌also become a profession that requires⁣ them to acquire more specialized knowledge,”⁤ he ‍says. ‌”That’s why I advise my juniors to do their job with‌ a clear conscience without worrying about the allowance.”

Lee Hong-jun’s insights highlight the importance⁢ of insurance remodeling ⁤in today’s changing ‍landscape. By understanding⁣ the criteria for conducting your own‍ warranty ‍analysis and what​ level ⁢of insurance premium is appropriate, customers can make ‌informed⁢ decisions about their insurance coverage.