Including many friends and private letters with Bao Ye, will also mention this point:
They didn't want to buy it at first, but for some reason, they paid for it in a daze. ...
What's going on here?
For a long time, Bao Ye has written many articles and has some understanding of this situation.
In fact, this is the salesman who set you up.
You have unconsciously fallen into the trap they designed!
So, what routines will these insurance companies use to make you pay for insurance?
Today, Master Bao will take you through it one by one.
Routine 1, exaggerating the income of wealth management products.
Salesman: Our dividend insurance has a yield of 6%, and the future income will be higher and higher!
Hearing this, are you a little tempted?
Why not buy insurance that makes so much money?
As a result, the reality is cruel. After getting the policy, I found that the actual interest rate was less than 4%.
But obviously, the profit rate may even be as high as 16% on the profit demonstration chart that the business personnel show you at the time of sales.
In fact, that's just the highest interest rate derived by insurance companies according to relevant materials.
In fact, the interest rate will be high or low, and no one can say for sure what factors will affect it. Don't take it for granted
What is even more frightening is that the yield of some products may actually be even 0%.
In other words, after you pay the money, there is no income at all, not even interest.
After you have paid the money, the money that is due to be returned to you is worthless after decades of inflation.
What a pit!
Routine two. Stop selling if you don't buy it.
Our products are sold at a loss for a few days, and they will be taken off the shelves if they are not bought.
When you heard the news, did you feel that there was a big bargain in front of you? If you don't pick it up, someone else will rob you.
However, this is only a marketing tool of insurance companies.
In fact, the sales of insurance products have not stopped, but a kind of hype by insurance companies (this behavior is prohibited and illegal in China Banking and Insurance Regulatory Commission).
In addition, even if a product is going to stop selling, it is because:
1, the product is updated and upgraded to become a better product.
2. The product does not meet the regulatory requirements of China Banking and Insurance Regulatory Commission.
3. Insurance companies sell more at a loss in order to get customers to launch products.
Therefore, in the face of this hype-type sales technique, we must be sober and rational ~
Maybe some friends will say: I have heard a lot of news about the withdrawal of critical illness insurance recently. Is this fake, too?
I'm sorry to tell you that the news of the suspension of sales is true.
Recently, the critical illness insurance market has changed a lot. 13 years later, the new regulations on critical illness insurance were introduced.
Therefore, before 202 1 1 3 1 at the latest, all the old critical illness insurance must be taken off the shelves and stopped selling.
Friends who want to buy critical illness insurance for the elderly should hurry, now is the time, and it will never come again.
After all, so many insurance companies have launched the "priority claim" service, and you can pay for the old products according to the most favorable one in the new and old regulations.
Don't miss it ~
Friends who want to know more can take a look at this one: that's settled! The new regulations on critical illness insurance are released, and the old ones are not needed.
Routine three, expensive is expensive.
The third routine is the classic routine of insurance company salesmen.
Salesman: Our company is a big one, one of the top 500 companies in the world, and it has won the title of the best of the year. Our products are guaranteed and will never go bankrupt. It is normal that our products are more expensive.
First of all, Master Bao wants to give you one thing about popular science:
The threshold for the establishment of an insurance company is very high, requiring major shareholders to have a good reputation and a net asset of not less than 200 million.
Coupled with the strict supervision of the China Banking Regulatory Commission, insurance companies simply do not want to go bankrupt.
Even if it goes bankrupt, there will be a business transfer system to transfer customers to other insurance companies.
So the bankruptcy of insurance companies has nothing to do with ordinary people.
Of course, Baoye is not denying this marketing method of "big insurance companies are reliable".
However, some insurance companies use this marketing method to sell products at exorbitant prices.
Compared with the insurance products with the same protection, the insurance products sold by these insurance companies are more than half expensive, which is too unkind.
This needs our attention. When buying insurance, don't look at those empty ones. The most important thing is to see the product itself.
See how this product is guaranteed, how cost-effective it is, and whether it is suitable for you.
Think about it before you do it.
Routine 4. Is family/children important or money important?
Some salesmen of insurance companies have introduced your products for a long time, only to find that you are unmoved at all.
At this time, they like to play emotional cards with you.
"Old classmate, this is all I need", "The price is not expensive, just the money for eating", "The product is very suitable for your family/children", "Family/children is more important, or money is more important" ...
You should have heard a lot about this situation.
The result is often found after buying:
I don't have any products I should have, and I can't afford to pay all the items I should pay, and the price is so much more expensive than others. It's so pit.
This is what people usually call life insurance.
But this is hard to avoid, and Bao Ye has no good way, especially when a good friend sells insurance for you.
I suggest that you can configure yourself with cost-effective insurance in advance, and then just say that you have insurance.
Routine five, good products have no commission, and they are not mentioned.
Think about it:
A million-dollar medical insurance with a coverage of 2 million only needs 200 yuan for one year.
And this 200 yuan should be distributed to the insurance company from the insurance agent.
After deducting the company's operating costs and various expenses, how much money can you finally get into your own hands?
How much money can an insurance company earn if it mainly promotes this cheap and cost-effective insurance product?
Therefore, for those excellent products with high cost performance, sales staff generally do not push them.
It is generally recommended that insurance be as high as five figures, and everyone should have a deep understanding.
And many good products, few customers know at all.
Routine 6. Binding trap of main insurance tying additional insurance
As Mr. Shang Bread said, a medical insurance with a coverage of 2 million only needs 200 yuan for one year.
If the salesman mainly promotes this kind of insurance, it is obviously nothing to gain.
At this time, the salesman will tell you that this insurance must be bought together with another more expensive insurance and will never be sold separately.
If tied in this way, his performance will improve.
However, it's like going to the store to buy tables and chairs, and as a result, the salesperson forces you to sell the house, force you to buy it, and force you to sell it.
Even the house may be dilapidated, for you, it is impossible to live, and the insurance you bought is useless to you.
When it comes to this kind of bundled insurance, everyone must consider it well, and it is best to buy it one by one.
Routine 7, expert lecture sharing meeting, second only to large-scale sales meeting
I don't know if you have participated in customer appreciation meetings, financial meetings, expert lectures and sharing meetings organized by insurance companies.
Anyone who has attended this lecture and thank-you meeting should know that the sharing meeting started well, and as a result, experts began to introduce a product while talking.
After the introduction, we began to make various efforts to report the number and amount of people signing bills on the spot in real time.
Then I will use the psychology of "everyone else bought it, why don't you buy it" to create pressure for you to complete the signing.
You'd better not go to this kind of sharing meeting or lecture.
Routine 8, take the bancassurance supervisor to gain your trust.
In order to make you trust their products more, salespeople often say:
The profit and price of our products have been audited by China Banking and Insurance Regulatory Commission. If the product doesn't pass the audit, we can't sell it.
There are two concepts involved here: audit and filing.
In fact, most of the products we come into contact with in the market will not be audited by China Banking and Insurance Regulatory Commission.
Instead, the insurance company took the product information to the China Insurance Regulatory Commission for the record.
As for the profit and price of the products, the insurance companies decide on their own, which has nothing to do with the supervision of bancassurance.
So when you hear the salesman "fool" you in the future, you can go in one ear and out the other.
Write at the end:
Why China's insurance reputation is not good and it is not trusted by Chinese people actually has a lot to do with these routine means of insurance companies.
Insurance transactions should be honest, but some insurance companies will exploit loopholes when designing products, plus the half-truths of business personnel, and unite to pit customers.
This makes many customers lose trust in China's insurance, thinking that insurance is deceptive.
In fact, there are many excellent insurances on the market, but no one has found them.
In Bao Ye's view, insurance is still necessary. After all, insurance can help you avoid risks and pass them on to insurance companies.
However, when purchasing, we must avoid these routines of insurance companies, keep our eyes open and choose an insurance that is well protected, cost-effective and suitable for us.
If you really can't choose, you can also look at Bao Ye's previous articles.
In the previous article, Baoye also commented on many excellent insurance products, such as: adult critical illness insurance list | transition between old and new regulations, which product is the most worth insuring?
There are also articles about how to allocate insurance to families with different annual incomes. You can also refer to: How to buy insurance for a family of three with an annual income of1-300,000?
If you still don't know insurance and don't know how to choose insurance, welcome to private letter Baoye, Baoye will answer them one by one, and bring everyone together to buy the best insurance with the least money!