I just didn't want to deceive people, so I left the industry because my conscience couldn't pass. Let's talk about my personal experience.
At that time, I was in college, and I usually got good grades and had little academic pressure. After all, I want to enter the society ahead of time and understand the industry, and I don't want to work according to my parents' wishes.
A classmate, who knows a friend, said that he works in a bank, but he actually sells insurance. He can earn tens of thousands of yuan every month. If I want to make money, I can take him to their company to introduce me.
Later I learned that this was not a referral. At that time, I still felt that it was troublesome for others. In fact, that's the routine of the insurance company, obviously to recruit people. The turnover rate in this industry is too high.
He took me to their company, which is a Fortune 500 company. The company is very big. Their office has two floors in an office building, and it is extremely high. I think this office space is ok. Everyone in it wears a suit and tie, and everyone has a work card on his chest.
In their reception room, a beautiful woman brought me a cup of coffee, and a beautiful woman manager greeted me and said a lot. Anyway, I can reluctantly accept me into their company, but I must work hard and not hold her back.
On the first day of work, I was informed by personnel to get the insurance professional manager's certificate. I studied for three days and passed the exam in half an hour. And then smoothly enter the job.
The employment department is the bank insurance department, which is different from other commercial insurance. As the name implies, bank insurance is insurance sold in banks.
Secondly, there is a routine. Newcomers have to attend training every day, and they will learn the skills of making orders in the morning meeting and evening party.
The lecturer told us how to arrange customers doing business in the bank:
1, dress up like people in the bank, especially shirts and pants, which will make customers feel that people in our insurance company are people in the bank. Generally, customers trust bank staff when handling business.
2. The person who handles the deposit business. The object of bank insurance is to lure people who handle bank deposits to bank insurance deposits, and the main object is people who go to the bank to handle deposit business.
3. The elderly are the key population. The main target of bank deposits is the elderly. Why? The knowledge and information of the elderly are blocked and their thoughts are more traditional. As long as they are national staff and bank staff, they are more trusting, less vigilant and have a high probability of being deceived.
4. Steal the column and change the concept. Let me introduce you to a deposit business, with high interest, much higher than that of bank deposits. It was not a bank deposit certificate when it was signed, but an insurance policy. If you doubt it, he tells you that the business you handle in the bank is the same as the bank deposit. Don't worry, otherwise there may be something for sale in the bank, which will dispel your doubts.
5. Bank insurance is divided into wholesale and futures. Wholesale payment: it is a one-time payment of insurance premium. Futures payment: according to different delivery years, the insurance premium is paid every year, for example, 654.38+10,000 yuan for five years, that is, 654.38+10,000 yuan for five consecutive years, totaling 500,000 yuan.
6. The agreed terms of each insurance are different, and some are surrendered after several years; You can guarantee the bottom, and some can't refund the money or part of it before the agreed time. There should be almost no bank insurance with capital preservation in recent years.
Obviously, you were framed, not when you saved money, but when you bought insurance for your children.
If you are a routine, you can try this:
1. If the purchase does not have a hesitation period of more than 30 days, you can surrender. Generally speaking, you can surrender directly without losing the principal. Under normal circumstances, after each insurance is sold, the insurance customer service will call you back, that is, recording for evidence collection. Are you sure to buy this insurance?
2. If you buy bank insurance because of misleading sales, as long as you find out your evidence, or the insurance contract is not signed by you, you can surrender it without affecting your principal.
If you are misled by others and sign up for insurance without knowing the terms, you can also try to call the CIRC to complain about this insurance company. Really cheated or misled, will give you a statement.
Of course, bank insurance also has advantages. General bank insurance products have accident insurance, and the amount is above 1 ten thousand. In addition, insurance has the advantage of property preservation, that is, if you go bankrupt, your house and car can be auctioned, but you can't touch the insurance you bought. This is all I trained when I was doing insurance. I think it is also a benefit.
I only had insurance for a few months, because I didn't want to lie to the white-haired old man in the bank every day, saying it was a bank deposit. Some old people really save all their money for a little more interest. Some of them are over 70 years old and some are over 80 years old. How many years can they live? What should I do if I am sick and need money badly and I can't get it out?
Some old people are serious. I tried to sell bank insurance to others, but when she heard it, she insisted on buying it. I advised her not to buy it, but I still didn't sell it to her. To tell the truth, my conscience really can't stand cheating them into buying insurance.
Finally, I stayed in the bank for two months, worked hard, never cheated an old man or misled a bank customer, and left my job in a few days.
Last month, when it was time to buy auto insurance, I logged on the website of Ping An Insurance Company according to the annual operation and prepared to buy it. According to the prompt, I entered the license plate number, owner's name and vehicle information. Select it, and then click Buy. Strangely, there is a line: the model does not match, please contact customer service.
So I logged into the good car owner APP on my mobile phone. Enter it again, and the result shows that the ID information is incorrect. Please contact customer service. I quickly changed my mobile phone and entered the information, and the result was still the same.
I have no choice but to call customer service. The customer service lady was very polite, saying that it was ok to operate, so she quickly quoted the price and asked me to click on the link on the text message to confirm. As soon as I saw the price was wrong, I asked what was going on. She said it would cost me more than 200 yuan to give me a financial insurance policy, but I will pay back the money later, and I will tell her my credit card number. The first time I heard about the operation, I could only tell her that I would think about it.
Two days later, I logged in to the shopkeeper and tried again, but I still couldn't get it. Seeing that the insurance is about to expire, I have no choice but to call customer service again.
Guess what the result is this time?
This customer service is also very polite, saying that I'll hang up first and she'll check and call me back. Soon, the phone came, and it was still the same operation. Let me click on the link to confirm the payment. At first glance, the quotation I gave is still more than forty yuan. Because I seldom use this car, I buy a compulsory insurance every year. We are not out of danger yet. We should lower the price a little every year. But she said the price was the same as last year, so I asked why not reduce the price. She said she would give me a financial insurance, free of charge. I said you don't charge, so I should be more than 800 yuan. Shouldn't I be at this price? She said the company asked to sell it like this.
This time I was really angry, so I asked her what financial insurance was for, and she said it was for treating diseases. I said I don't need this insurance. This is the overlord clause. I want to ask your leader what's going on. At this time, the customer service told me not to get angry. She went to consult the leader and gave me an answer later.
After about five minutes, she called back and said that she had recalculated and removed the property insurance. Let me check the payment. I browsed it and paid the money if there was no problem.
I asked her why she couldn't buy it online, and she said she didn't know. Now many people call and say that they can't do it online, so let them do it.
I just want to say, Ping An Insurance Company, are you going to do this? In order to cheat customers a little money, it has caused unnecessary trouble to customers.
Have you ever been in the same situation?
Insurance has no routine, insurance does not deceive people, and there is no deception. It was the insurance company that ruined the insurance business and damaged its image.
In order to complete their own performance, insurance companies only explain their own interests to customers when recruiting customers, and customers' obligations are often not explained or even mentioned. In addition, most customers don't know about insurance contracts. Insurance contracts are often small in font and rich in content, and technical terms are not explained. As far as I know, most people can't finish reading. ) I think they were cheated by insurance. In fact, the rights and obligations of customers were clearly stipulated in the insurance contract from the beginning, and I didn't order it for you later. If you think you've been cheated, it's also the person who put you on insurance. He's not nice to you at all. He just thinks about his performance and tells you what is good for you. He didn't tell you your obligations to the insurance company. The purpose is to get you into the insurance industry and get results.
There is no fault in the insurance business, but the insurer ruined the insurance business. Customers should also make it clear that if you want insurance, you have to pay. Have the right to be protected, but also have the obligation to pay. This is insurance.
Russian dolls, tunnel warfare, pit after pit. Don't touch the insurance without spare money. This is not a negotiation! 50% of the insurance premium you paid has been paid to the insurance company. Do you think it is possible not to cheat? Even if the accident conforms to the contract, the insurance company may be picky and fraudulent! ! ! ! Don't listen to them about who is in danger and how much they have paid. Such a large insurance company has few cases [pride]
I believe that few people have the time and patience to study the tedious contract text. The best way is to stay away from insurance company salesmen and so-called business managers!
Insurance companies use routines to lure customers to insure. First, the policy is unknown; Second, the insurance policy is not in place; Third, the policy has various meanings, which fascinates customers; Fourth, all the insurance policies are not detailed, so they will definitely die; Fifth, whoever enters the insurance will suffer!
There are many insurance companies, such as letting you save money for insurance, or giving you dividends after insurance, but the principal and dividends will not be taken out until 30 years later, and so on. It makes you sound like a good deal anyway. In fact, you are not cost-effective, and some types of insurance may make you lose a lot. It is normal for insurance company personnel to run eight times a day. Because he signed the insurance policy, he can get a part of the rebate. If she doesn't come out every day to find acquaintances and relatives, her salary is not high, and her bonus may be gone. Anyway, I think there is no pie in the world, and it is right to stay away from insurance.
Too many routines, children are bullied!
Nowadays, as long as the insurance company wants money, the means of fraudulent insurance is becoming more and more outrageous. If they want to settle claims, it will be difficult to go to heaven. Insurance companies are always reasonable and will not compensate. At this rate, insurance companies in China will close down sooner or later, losing their trust in the people.