保单陷阱,乍听起来确实是让人害怕。这里首先要说明的是,保险产品本身是不存在陷阱,因为所有的保险产品都是经过国家保监会审查并备案的,其公平性和合理性是不容置疑的。那么既然这样,保单陷阱是如何来的呢? Warranty trap, at first it sounds really scary. The first thing to note here is that the insurance product itself is not a trap, because all the insurance products are reviewed and filed by the CIRC, and its fairness and rationality are beyond doubt. So in this case, the policy trap is how to come from?