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金融异见---最不推荐的保险产品,大病保险

Updated: Mar 2, 2023

这一篇可能会引起很多人的歧义,只是从独立咨询人的角度,不代表行业意见从业10多年,客观来说,金融产品上千种,各有千秋和利弊,几乎没有单一的一个产品能够cover投资人完全的财务需求,但投资人的需求肯定能够通过一个产品整合来得到100%的满足,所以行内人总说,没有不合格的产品,只有不合格的advisor;但如果要问我这么多年来不推荐的产品,那就是这个“大病保险”--- Critical Illness ,说一下为什么不喜欢这“大病保险“

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