When consumers choose insurance products, financial institutions should follow the "three appropriate" principle when providing products, that is, financial institutions are required to provide the right products or services to the right consumers through the right channels.

To be a rational financial consumer with the "three appropriate principles", we must achieve three aspects:

1. "Choose the right product" - the product is appropriate

Financial consumers can objectively and comprehensively understand financial products and carefully read relevant documents of financial products from five aspects: product investment direction, product term, product risk level, product risk-return characteristics, product redemption and exit conditions; When signing a contract, you should carefully read the terms of the contract, especially those related to your own rights and obligations, liability for breach of contract, exemption from liability, etc.

2. "Find the right person" - sell appropriately

Financial consumers should select more professional salespeople for themselves based on the professional knowledge, sales ability, integrity level, and conduct status of the financial institution practitioners.

3. "Self-diagnosis" – customer appropriate

Before purchasing financial products through financial institutions, financial consumers should conduct a risk ability assessment to determine their own risk tolerance and purchase financial products that match their own circumstances.

Each consumer is at a different stage of life, the problems to be solved and the goals to be achieved are different, so understanding the "three appropriate" principle can help everyone choose financial products scientifically and rationally, and fully protect their rights and interests from infringement.