深蓝保联合新京智库发布2026保险测评报告：普通人怎么买保险才能不踩坑？

Core Insights - Insurance has transitioned from an optional item to a necessity in modern family risk management, yet consumers face significant information barriers when making purchasing decisions [1][12] - Nearly 90% of users have a positive attitude towards insurance, but complexities in terms and selection hinder their decision-making process [2][4] Group 1: User Decision-Making Challenges - The primary psychological barrier for users is "claims anxiety," with 63.96% worried about insurance companies finding reasons to deny claims [2] - Over 60% of users have developed a risk awareness due to aging or health issues of parents, while only 5.36% are motivated by proactive sales outreach [2] - 45.64% of users find it difficult to compare different products directly, which is the leading reason for postponing or abandoning purchases [4] Group 2: Demand for Evaluation Tools - Users express a strong desire for independent, transparent, and professional third-party evaluation tools, with 62.32% wanting authoritative ranking lists [6][7] - The evaluation system by 深蓝保 (Deep Blue Insurance) has been operational for over 74 months, assessing over 4,550 products across five major insurance types [8][10] Group 3: Market Trends and Product Evolution - The insurance market is shifting towards longer renewal periods, with 20-year guaranteed renewal products becoming standard [11] - There is a significant increase in "no health declaration" products, rising from fewer than 2 in 2019 to 36 by 2024-2025, marking a 65% year-on-year growth [11] - Demand for savings-type insurance has surged, with annuity insurance needs increasing by 83% in 2023, indicating a trend of younger individuals planning for retirement [11]