Owner information of the buyer of insurance telephone sales

Auto insurance telemarketing is a new sales channel for insurance companies. Its advantage lies in saving the cost of sales channels, no land rent and personnel commission, and giving customers 15%, so it is cheaper to call than to go to other places 15%. However, the disadvantages of telemarketing are equally obvious. At the same time, telephone insurance has no after-sales service, and only small gifts are purchased. If you buy it in 4S, it will give you maintenance or four-wheel alignment. And you will buy from the sales staff, and customers will get consulting and compensation services. None of these services can be provided by telemarketing.

The telemarketing rate itself is unscientific. The CIRC ignores the market demand and hinders the marketization of the rate, which makes the rate of telemarketing lower than that of ordinary channels and reduces the service cost. It seems cheap, but it actually loses the opportunity for customers to make up for the asymmetry of insurance information. Moreover, from the experience of well-known telemarketing companies such as GEICO, the strategy of telemarketing is not to ask customers to leave enough money as far as possible, and the way to record commissions is the number of customers, not the premium of individual customers. In other words, if you only buy a "three responsibilities" of 65,438+10,000 yuan, he will not stop you, and recommend you at most 30, so that customers with asymmetric information mistakenly think that they have got the price benefits and ignore the role of insurance coverage.

At present, only established companies like PICC in China market are still foolishly recommending telemarketing to ensure safety, and Ping An has long been in line with international strategy.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.