处理异议和顾虑

Thanks for explaining everything, Sarah. But honestly, the comprehensive plan feels a bit pricy. Is there a more affordable option that still offers decent coverage?

I understand your concern about the cost, Emma. We can definitely explore alternatives. What are your primary concerns regarding coverage? For instance, are you most worried about critical illness, or is accident protection a higher priority?

Well, critical illness coverage is important, but I also don't want to over-insure. It just seems like a lot to commit to right now.

That's a very valid point. How about we look at a modular plan? This would allow you to select core critical illness coverage and then add specific riders, like accidental death or disability, as your budget allows. It offers more flexibility.

A modular plan, you say? That sounds interesting. So, I wouldn't be paying for things I don't necessarily need right away?

Exactly. You start with what's most crucial for your peace of mind and can always adjust or increase your coverage later on. This way, you get essential protection without feeling overwhelmed by the initial cost. Would you like me to walk you through a few options for that?

Yes, please. That would be very helpful. I appreciate you taking the time to find something that fits my budget better.