My answer is basically advice, comparison and understanding.
Although they are all fans of deep blue treasure, they are somewhat envious in their hearts, but they are also hinting at themselves:
Now ability is not worthy of desire, you should work harder.
Including previous articles praising Shen, there are indeed many places worth learning.
But often what we see is only one aspect, that is, the deviation of survivors, and there are still many truths behind us that we don't know.
The thing is, a friend who asked me for advice showed me the plan of deep blue insurance.
I always feel something is wrong, but I can't see it myself.
I looked at it and said that the product was actually not a big problem.
Because the information on the internet is transparent, everyone can produce the same product, unlike offline agents who can only sell one company, and no one dares to misuse the same price.
The possible problem is that a certain channel will formulate corresponding incentives to encourage more orders.
Just like a 4S shop that sells cars at a low price, it is a loss to sell a car alone, but there will be a bonus if you can complete the sales set by the manufacturer at the end of the year.
So some parts of the configured products are old, which I can understand.
Strangely, the coverage of critical illness insurance is only 250 thousand. I asked him if the limited budget reduced the coverage, and he said no.
Then the problem is coming.
The first principle of buying insurance is to buy insurance coverage, enlarge leverage, and transfer low probability and high risk to insurance companies.
It is also what Deep Blue Treasure often emphasizes:
I want to ask, configure a life insurance, the insurance amount is only 250 thousand critical illness insurance.
If 30 years later, according to the inflation rate of medical expenses, it is now less than 654.38+10,000, and the data shows that the cost of serious illness is 300,000-500,000.
Excuse me, how should I face major diseases? How to prevent my family from falling into crisis?
The product is cost-effective, but it does not solve practical problems.
Some people say that deep blue insurance has expert one-on-one service, and it still costs money. Why question other people's majors?
Indeed, if there is no factual basis, how can it be convincing?
In order to find out the expert service behind it, I decided to experience it myself.
Let's talk about how deep blue treasure gets users from the source.
Some friends know about deep blue insurance by searching for articles, while others don't. For example, Zhihu, Today's Headline and Baidu can all see Deep Blue Insurance.
In fact, Deep Blue Insurance has invested heavily in marketing.
For example, search for mutual insurance in Baidu.
First, the advertisement of Deep Blue Treasure is displayed. After clicking in, it is the product introduction page.
This practice is called SEM in the industry, and the popular point is to buy keywords.
For example, if someone wants to buy critical illness insurance, they will search for "critical illness insurance", so the first thing to show after buying it is his content.
Of course, this will change constantly, and what you are looking for now may be peace and life.
Find deep blue insurance, fill in the phone number, customer service will contact you, and then add you to WeChat.
After adding customer service, I thought there would be professional service, and the result was the same as that of robots.
Are there really so-called experts behind this?
Of course, this is also called standardized process, because it is large in scale and can be unified as much as possible.
I observed it for two days first, and then sent two pictures of the product.
It turns out that you sent the prepared content to the customer with one click, and then waited for the customer to take the initiative to come to the door.
Of course, I'm not surprised. After all, that's how everyone markets. Just get used to it.
As for the one-on-one expert service purchased, ...
Don't think too much.
I politely replied thank you, and then recommended the product to me.
The following key points are coming:
I asked how to buy it and told me to click on the link to buy it.
No way, you don't even ask if your health meets the requirements? If it does not meet the requirements, it is likely that there will be a claim dispute and refusal to pay compensation.
Your promotion of expert customization and demand analysis, that's it? Right here?
Then I asked the insurance company. After all, everyone doesn't know much about this and wants to feel at ease.
Reply from the other party: Sales exceed Ping 'an, there are many customers and the company is reliable. ...
Always rely on data to speak, objective and fair deep blue insurance can be so casual.
Maybe the expert is tired, maybe a new expert, or maybe a graduate. ...
But then again, users are all your fans, and they want to believe that you are not wrong. They can only say that leeks are delicious.
Generally speaking, the general process is as follows:
I send a link, you just buy it, and it's best not to ask anything or ink.
If there is a claim problem in the future, go to the insurance company yourself.
What, you said you bought it from me? Sorry, you didn't ask yourself at that time. How can you blame me?
……
Having said that, I didn't mean to denigrate anyone, because I also praised the deep blue insurance for doing well, and I basically didn't rub anyone's hot spots.
Of course, I'm not that great. Many people come to ask about Shen, and I must give an objective and factual answer.
Furthermore, when a company grows bigger, it is not only commercial value, but also social value, and it bears corresponding responsibilities. If it's just for harvesting leeks, it's doomed to go far.
As a senior in the insurance industry for many years, I want to say a few more words.
It is said that insurance is a very professional financial product with a lot of information asymmetry, just like lawyers and medicines.
Then what users need is humanized service, not mass sending of machines.
?
The insurance plan also needs to be configured according to everyone's situation, rather than missing a link.
It is no exaggeration to say that 99% of laymen don't know insurance. If they buy it themselves, it's just like a newcomer opening an account for stock trading. The high probability is to pay IQ tax.
Expert consultation is not perfunctory. Since it is an expert, it should be well-founded, with more objective facts and less subjective judgments.
Many people say that deep blue insurance is also taken for granted. With the help of capital to buy insurance licenses, we have embarked on the road of compliance, and everyone trusts Deep Blue Insurance more.
But as an insider, I need to give you a reminder:
Don't think that deep blue insurance represents professionalism, which is actually the biggest misunderstanding.
Really professional things must be beyond our understanding. To some extent, the core of deep blue insurance is the perfect use of information asymmetry.
You know, those who devote themselves to studying the terms and conditions, professional insurers will leave without market approval.
?
Once the market environment in which bad money drives out good money is formed, it will inevitably deteriorate.
For many people who don't care about morality, they can cut leeks at no cost, which is the biggest bonus for them in this era.
In the future, you will see all kinds of deep blue treasures, big and small.
Deep blue lives a local tyrant's life, and the leeks buy products that they feel at ease, and call their idols by the way.
Everyone is very happy.