Muslim Friendly China: Half Work, Half Faith, Insurance Ethics and Everyday Dua
Reposted from the web
Summary: Muslim Friendly China: Half Work, Half Faith, Insurance Ethics and Everyday Dua is presented here as a clear English travel account for Muslim readers, beginning with this scene: At this time last month, I wrote about achieving a small goal and made a summary of my work in stages. On the one hand, I wanted to spur myself on, and on the other hand, I wanted to serve as a reference for. The article keeps the original place names, food details, photographs, and cultural context while focusing on Muslim Life, Insurance Ethics, Faith.
At this time last month, I wrote about achieving a small goal and made a summary of my work in stages. On the one hand, I wanted to spur myself on, and on the other hand, I wanted to serve as a reference for the team. In the blink of an eye, another month has passed, so far. I have configured 55 insurance policies for 30 families and recruited 10 team members, 6 of whom have obtained broker qualification certificates, and 4 team members are still in training. Customers are distributed in 19 provincial administrative units across the country, with newly added customers in Hubei, Zhejiang, and Liaoning. More than half of the customers are transacted online.
Yahaya’s customer distribution map
This achievement also allowed me to be successfully shortlisted for our company's "Excellent Star Agent Growth Training Camp" in September, which is another step closer to my career goal of becoming a member of the Global Life Insurance Million Dollar Round Table (MDRT).
Looking back at the customers I have met since the epidemic this year, the professional portraits include: doctors, accountants, teachers, civil servants, small and micro business owners, engineers, full-time housewives, etc. Generally speaking, the vast majority are middle-class people who are well-educated and have a certain degree of risk awareness. They have relatives, friends, and colleagues who are doing insurance, but It is for various reasons that they trust me more. I think on the one hand, it is because of the professional nature of insurance brokers that I can comment on insurance companies from an objective standpoint. On the other hand, it is also because of the natural closeness between Muslims and people. I am particularly touched by this. I sincerely hope that everyone is healthy and happy. I will do a good job for you.
In fact, every family has a story when configuring insurance, but one of the experiences impressed me deeply. I want to share it with you. It may be helpful to you who read the article.
This is a client introduced to me by a Han Muslim friend. We have never met before. After adding her on WeChat, I learned that she is the wife of an imam. We are accustomed to calling the imam’s wife the wife of an imam. To protect the privacy of the customer, it is not convenient for me to disclose which mosque the imam is from. The wife of the imam is here I asked some questions on WeChat. It turned out that she had always wanted to buy insurance for her children, but she was not sure whether the insurance complied with the Shariah. In order to avoid suspicion, she has never bought insurance until today. However, she sees the Shuidichiou link in Moments every day and is worried that one day her family will become seriously ill.
I previously posted an article on Takaful Insurance and My Career on the public account, which talked about the relationship between insurance and Shariah, so I forwarded the article to my wife. After reading it, my wife said that her previous doubts had been answered, but she still needed to discuss it with the imam before making a decision.
A few days later, I made an appointment with the imam to meet at the mosque. I thought that we Muslims are really different in how we do things. We can meet at the mosque to discuss business. The mosque environment is quiet and undisturbed, which is refreshing.
The imam was very kind and we hit it off immediately and quickly settled on a home insurance plan. The reason why the imam also approved of insurance is because his father had purchased accident insurance. When he was injured and went to the hospital for treatment, the insurance reimbursed most of the medical expenses. Precisely because I have had the experience of making claims, I don’t need to go to the imam to educate the imam on the basic common sense of insurance.
The imam hopes to insure the whole family with critical illness insurance. He told me that two of his family members had died of cancer at a very early age. He was also worried that another misfortune would happen to other members of the family. He had a meager income and could not afford the high medical expenses. He was unwilling to appear on Shuidichou. After all, begging on the Internet was also begging and was detrimental to the dignity of Muslims.
Everything went smoothly, and we quickly determined the insurance plan. According to the normal process, health information must be provided before applying for insurance. The insurance company needs to ask about past medical history. Some pre-existing conditions cannot be purchased for insurance. If you do not tell the truth, even if you are insured, you will encounter difficulties in making claims in the future. This is why some people think that the insurance will not cover this or that.
The imam brought his physical examination reports over the years, and I looked at the results of the physical examinations in recent years. If scored according to health standards, his health score has been declining year by year. Although the imam himself feels that he is in good health, although it does not constitute a rejection of insurance, he is still on the verge of underwriting and rejecting insurance. At least some insurance products with strict underwriting cannot be selected, so I arranged a critical illness insurance for him that can be intelligently underwritten.
The next step was to insure the master’s wife. Considering that the policy holder was an imam, and the insurance company had an upper limit on personal risk insurance, I suggested that the imam insure the master’s wife with critical illness insurance from another insurance company. After asking, he said that his health was fine, because the master’s wife had not had a physical examination in many years, so the master’s wife also successfully purchased the critical illness insurance.
But after I got home in the afternoon, a problem arose. The imam found the medical records of the teacher's wife many years ago. It clearly stated that the teacher's wife suffered from gastric disease, which was not covered by critical illness insurance. I took the medical records of the teacher's wife to the underwriting specialists of several insurance companies and inquired. The answers were all rejections, and only one joint-venture insurance company agreed to exclude the coverage. So I discussed with the imam that the critical illness insurance I had previously insured for my wife needed to be refunded, because in this case, the insurance company would have reasons to refuse compensation when there was a claim in the future. I didn’t want to see the money the imam had worked so hard to save go to waste.
There was only one joint venture insurance company that agreed to underwrite the insurance. It was a high-end brand in the industry. Although the coverage was comprehensive, the price of the product was beyond the range that the imam could bear. After all, the insurance configuration must be purchased based on the family's income. If the purchase of insurance puts a heavy burden on the family, the meaning of insurance is lost.
In the next few days, we communicated many times, and I deeply felt the imam's love for his wife. The imam said that from his perspective, he wanted to insure his wife this expensive critical illness insurance, but she felt that the cost was too high. If this critical illness was included, the family's premium expenditure would account for half of the annual income.
I also said that the premium was too high, which was a risk. If it didn't work, I would think of other options. Two days later, the imam sent me a WeChat message in the morning. He saw a good medical insurance on Alipay. The health notice did not mention the wife's stomach problem, and the price was relatively cheap. If it was only insured until the age of 70, he thought it was acceptable. I thought it would be fine to buy Alipay, which was better than no insurance at all, so I agreed to the imam to insure it myself.
But I happened to have a colleague nearby, and when he heard me chatting on the phone, he reminded me that Alipay’s Good Medical Insurance health notifications are loose, but the terms of the contract clearly state that pre-existing conditions will not be compensated. Go check how many cases of Good Medical Insurance’s denial of compensation there are now. It was all caused by the customer not reading the terms and conditions when applying for insurance, and blindly applying for insurance. When I checked, it was indeed the case, and I quickly told the imam that even if the wife had purchased a good medical insurance, there was a risk of being denied compensation, so the imam gave up the plan of taking out the insurance.
This was good, the hope that the Imam had finally rekindled was extinguished again. Just when I was at a loss, I received a reply from an insurance company. They could exclude the medical insurance for the teacher’s wife. The premiums were cheaper than good medical insurance, and the coverage was comprehensive. They could guarantee renewal for 6 years, so I immediately gave it to them. The imam sent a message. After reading the product plan, the imam bought the insurance without saying a word. This saved him a lot of money. He thought that it would be good to be insured for six years first, which would give them time to look at their previous illnesses. It would not be too late to buy insurance after their physical and financial conditions improved. I finally breathed a sigh of relief.
This incident has brought me a lot of gains. I realize that as an insurance broker, I can purchase insurance from multiple insurance companies and it is really important to choose the most suitable product for my customers. I don’t need to take the risk of customers being rejected for insurance and deceive customers into purchasing insurance from a certain company despite their illness. My professional ethics is to ensure that customers can successfully obtain claims for the insurance they purchase from me.
Let’s just say that. Sometimes I feel that my career is like an angel. There are many things I can do. I can bring security to thousands of households and alleviate sufferings, and at the same time I gain a sense of satisfaction. It is also the predestined relationship that allowed us to establish a connection and let you know me. I believe I will continue to persevere, Yinsha Allah.
Summary: Muslim Friendly China: Half Work, Half Faith, Insurance Ethics and Everyday Dua is presented here as a clear English travel account for Muslim readers, beginning with this scene: At this time last month, I wrote about achieving a small goal and made a summary of my work in stages. On the one hand, I wanted to spur myself on, and on the other hand, I wanted to serve as a reference for. The article keeps the original place names, food details, photographs, and cultural context while focusing on Muslim Life, Insurance Ethics, Faith.
At this time last month, I wrote about achieving a small goal and made a summary of my work in stages. On the one hand, I wanted to spur myself on, and on the other hand, I wanted to serve as a reference for the team. In the blink of an eye, another month has passed, so far. I have configured 55 insurance policies for 30 families and recruited 10 team members, 6 of whom have obtained broker qualification certificates, and 4 team members are still in training. Customers are distributed in 19 provincial administrative units across the country, with newly added customers in Hubei, Zhejiang, and Liaoning. More than half of the customers are transacted online.
Yahaya’s customer distribution map
This achievement also allowed me to be successfully shortlisted for our company's "Excellent Star Agent Growth Training Camp" in September, which is another step closer to my career goal of becoming a member of the Global Life Insurance Million Dollar Round Table (MDRT).
Looking back at the customers I have met since the epidemic this year, the professional portraits include: doctors, accountants, teachers, civil servants, small and micro business owners, engineers, full-time housewives, etc. Generally speaking, the vast majority are middle-class people who are well-educated and have a certain degree of risk awareness. They have relatives, friends, and colleagues who are doing insurance, but It is for various reasons that they trust me more. I think on the one hand, it is because of the professional nature of insurance brokers that I can comment on insurance companies from an objective standpoint. On the other hand, it is also because of the natural closeness between Muslims and people. I am particularly touched by this. I sincerely hope that everyone is healthy and happy. I will do a good job for you.
In fact, every family has a story when configuring insurance, but one of the experiences impressed me deeply. I want to share it with you. It may be helpful to you who read the article.
This is a client introduced to me by a Han Muslim friend. We have never met before. After adding her on WeChat, I learned that she is the wife of an imam. We are accustomed to calling the imam’s wife the wife of an imam. To protect the privacy of the customer, it is not convenient for me to disclose which mosque the imam is from. The wife of the imam is here I asked some questions on WeChat. It turned out that she had always wanted to buy insurance for her children, but she was not sure whether the insurance complied with the Shariah. In order to avoid suspicion, she has never bought insurance until today. However, she sees the Shuidichiou link in Moments every day and is worried that one day her family will become seriously ill.
I previously posted an article on Takaful Insurance and My Career on the public account, which talked about the relationship between insurance and Shariah, so I forwarded the article to my wife. After reading it, my wife said that her previous doubts had been answered, but she still needed to discuss it with the imam before making a decision.
A few days later, I made an appointment with the imam to meet at the mosque. I thought that we Muslims are really different in how we do things. We can meet at the mosque to discuss business. The mosque environment is quiet and undisturbed, which is refreshing.
The imam was very kind and we hit it off immediately and quickly settled on a home insurance plan. The reason why the imam also approved of insurance is because his father had purchased accident insurance. When he was injured and went to the hospital for treatment, the insurance reimbursed most of the medical expenses. Precisely because I have had the experience of making claims, I don’t need to go to the imam to educate the imam on the basic common sense of insurance.
The imam hopes to insure the whole family with critical illness insurance. He told me that two of his family members had died of cancer at a very early age. He was also worried that another misfortune would happen to other members of the family. He had a meager income and could not afford the high medical expenses. He was unwilling to appear on Shuidichou. After all, begging on the Internet was also begging and was detrimental to the dignity of Muslims.
Everything went smoothly, and we quickly determined the insurance plan. According to the normal process, health information must be provided before applying for insurance. The insurance company needs to ask about past medical history. Some pre-existing conditions cannot be purchased for insurance. If you do not tell the truth, even if you are insured, you will encounter difficulties in making claims in the future. This is why some people think that the insurance will not cover this or that.
The imam brought his physical examination reports over the years, and I looked at the results of the physical examinations in recent years. If scored according to health standards, his health score has been declining year by year. Although the imam himself feels that he is in good health, although it does not constitute a rejection of insurance, he is still on the verge of underwriting and rejecting insurance. At least some insurance products with strict underwriting cannot be selected, so I arranged a critical illness insurance for him that can be intelligently underwritten.
The next step was to insure the master’s wife. Considering that the policy holder was an imam, and the insurance company had an upper limit on personal risk insurance, I suggested that the imam insure the master’s wife with critical illness insurance from another insurance company. After asking, he said that his health was fine, because the master’s wife had not had a physical examination in many years, so the master’s wife also successfully purchased the critical illness insurance.
But after I got home in the afternoon, a problem arose. The imam found the medical records of the teacher's wife many years ago. It clearly stated that the teacher's wife suffered from gastric disease, which was not covered by critical illness insurance. I took the medical records of the teacher's wife to the underwriting specialists of several insurance companies and inquired. The answers were all rejections, and only one joint-venture insurance company agreed to exclude the coverage. So I discussed with the imam that the critical illness insurance I had previously insured for my wife needed to be refunded, because in this case, the insurance company would have reasons to refuse compensation when there was a claim in the future. I didn’t want to see the money the imam had worked so hard to save go to waste.
There was only one joint venture insurance company that agreed to underwrite the insurance. It was a high-end brand in the industry. Although the coverage was comprehensive, the price of the product was beyond the range that the imam could bear. After all, the insurance configuration must be purchased based on the family's income. If the purchase of insurance puts a heavy burden on the family, the meaning of insurance is lost.
In the next few days, we communicated many times, and I deeply felt the imam's love for his wife. The imam said that from his perspective, he wanted to insure his wife this expensive critical illness insurance, but she felt that the cost was too high. If this critical illness was included, the family's premium expenditure would account for half of the annual income.
I also said that the premium was too high, which was a risk. If it didn't work, I would think of other options. Two days later, the imam sent me a WeChat message in the morning. He saw a good medical insurance on Alipay. The health notice did not mention the wife's stomach problem, and the price was relatively cheap. If it was only insured until the age of 70, he thought it was acceptable. I thought it would be fine to buy Alipay, which was better than no insurance at all, so I agreed to the imam to insure it myself.
But I happened to have a colleague nearby, and when he heard me chatting on the phone, he reminded me that Alipay’s Good Medical Insurance health notifications are loose, but the terms of the contract clearly state that pre-existing conditions will not be compensated. Go check how many cases of Good Medical Insurance’s denial of compensation there are now. It was all caused by the customer not reading the terms and conditions when applying for insurance, and blindly applying for insurance. When I checked, it was indeed the case, and I quickly told the imam that even if the wife had purchased a good medical insurance, there was a risk of being denied compensation, so the imam gave up the plan of taking out the insurance.
This was good, the hope that the Imam had finally rekindled was extinguished again. Just when I was at a loss, I received a reply from an insurance company. They could exclude the medical insurance for the teacher’s wife. The premiums were cheaper than good medical insurance, and the coverage was comprehensive. They could guarantee renewal for 6 years, so I immediately gave it to them. The imam sent a message. After reading the product plan, the imam bought the insurance without saying a word. This saved him a lot of money. He thought that it would be good to be insured for six years first, which would give them time to look at their previous illnesses. It would not be too late to buy insurance after their physical and financial conditions improved. I finally breathed a sigh of relief.
This incident has brought me a lot of gains. I realize that as an insurance broker, I can purchase insurance from multiple insurance companies and it is really important to choose the most suitable product for my customers. I don’t need to take the risk of customers being rejected for insurance and deceive customers into purchasing insurance from a certain company despite their illness. My professional ethics is to ensure that customers can successfully obtain claims for the insurance they purchase from me.
Let’s just say that. Sometimes I feel that my career is like an angel. There are many things I can do. I can bring security to thousands of households and alleviate sufferings, and at the same time I gain a sense of satisfaction. It is also the predestined relationship that allowed us to establish a connection and let you know me. I believe I will continue to persevere, Yinsha Allah.
