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Data:2009-12-12 2:34
Insurance sales before Chinese New Year is often the peak, unfortunately, is that many policyholders are not wrong to buy the insurance --- for them to buy insurance, how not to be misled.
Purchase insurance products is an extremely complex matter, not to buy than not bought. Through practice and observation, the author found that insurance agents are mainly the following misleading conduct.
There is no guarantee the right to pay rebate
First, pay a rebate. The phenomenon of a lot of agents rebate, rebate acts of no advantage to customers and agents.
First, customers, the first phase of the premium actually spending less, but the long term, post-operation is difficult to ensure the preservation of the most important thing is that you almost impossible to buy for their own insurance policy, unless you choose to suit their insurance. On the clerk, the commission is that they all, the agent to find potential customers, the need to pay a considerable time, cost and capital costs, agent rebate mainly to enhance the competitiveness of whom are forced to and they will find ways to recommend some products with higher rebate, rather than first consider whether the product is suitable for the insured. Some products benefit consumers commission, perhaps only 1%.
Follow the trend of human single-xi
Business managers are usually a good idea of recruiting a number of family background or friends and more people to do the insurance for their low barriers to entry set up, teaching them to do a single perceptual sales practices, until do not have the resources, such people will gradually loss, and business managers to eat renewal commission. There is no professional knowledge of these agents, mainly Baituo friends and family insurance, recommended products, like the parrot, more difficult to prescribe the right medicine, once the loss of follow-up services of these policies and sometimes can not guarantee and insurance to pay off the chances so high that in some to public opinion, insurance fraud friends and family.
Sales more emotional abuse
Now, insurance training of personnel still at the initial stage of the development of the insurance industry to sell mainly emotional, affecting the group after group of new entrants into the agent. Their core philosophy is "Whether a cat is black or white is a good cat catches mice."
For example, agents are now in training, a lot of content is sent to tell prospective customers what the gift; what can compliment each other happy; in what methods can be called on opportunities; what to say, the person could only answer "yes"; what to do, prospective customers会觉得不投保就对不起代理人等?span>
Insurance companies in order to become bigger and stronger and the extensive operations, will also depart from the basic principles of risk management to design the best interests of the company products. For example: There are a number of wholesale payment, payment for three years, five years due to pay or 80-year-old, 88-year-old maturity, 3 years or 5 Year Survival series of dividend payments and other products, protection and pension functions is very limited.
Luxury hotels set
Insurance companies will regularly or irregularly to open a number of "financial statement will" or "health statement would" relocate to the top hotels, taking advantage of the atmosphere of the scene to sign back to a large premium. The note at the present so-called experts, often in-house staff. However, all those who absolutely can not fit the same category or categories of products, which is also misleading conduct.
Running short message
The preceding period, there are some companies to stop selling health products, and almost all the company's agents are saying that the health of their company strategically located and difficult to stop selling the new products will be price increases, thereby misleading the consumers to buy health insurance.
How rational purchase insurance
Life will encounter three kinds of risk that the critical category, an important class and non-critical type of dangerous. The appropriate insurance products to be divided into two types, need to type, choice of three types. However, at present the majority of insurance consumers are buying the second, three types of products, which is based on the cost of loss of insurance coverage, such as the dividend risk. So, how to properly take out insurance, especially life insurance do?
Buy life insurance when you need to answer three questions do you need life insurance? How much life insurance you should buy? You should buy what kind of insurance?
The answer is not complicated, that is, if someone has financial dependents, accidental death when I was raising the standard of living drop as a result, then he needs life insurance; the protection of a person's wealth owned by the neglect of the creation of wealth Asset protection is foolish. Life guard against two kinds of major risks: premature death and old age retirement. We can not predict what the future, it must prepare for both eventualities.
There are many life insurance amount calculation method. Among them, income approach is the insured person by calculating the present value of expected future earnings to estimate the amount of life insurance. Expenditure approach, that is, the required amount of insurance a family can provide to the beneficiaries by the Government or other sources of income can not provide funds to cover its expected costs.
