Why are there still many people who reject insurance and would rather ask for others than protect th

Nowadays, my family also advocates everyone to buy insurance, but why are there still many people who are very reluctant to insurance, and even a little "talking about risk" and would rather ask for others than protect themselves? Today we will uncover this problem together

[Reason 1: The traditional thinking of the Chinese is still relatively serious! ] 】<

Although our country's traditional thinking has something to take precautions for, what to raise children and prevent old age. However, more traditional ideas in our country are the beautiful meaning of peace and happiness and smooth fortune. Think about what are the common things that people who buy insurance say?

Don't look at you now, you are young and strong, there is no illness or disaster, I am afraid that if one day is unlucky, then people will go to the empty of money. I just want to say, if you sell insurance, you sell your insurance, why do you curse me? Originally, everyone was happy during the New Year's holidays, but you came up and cursed me and let me buy your insurance, and I knew that I would never buy it!

[Reason 2: China's insurance industry chain is not yet fully mature! 】<

At least four out of 10 people who walk on the street and post small advertisements sell insurance. Now the people who sell insurance are all trained by the insurance salary casually to get out of the teacher in two or three days, you ask him to tell you the specific details of this insurance, to put it mildly, he himself may not know what kind of insurance he sells. Such unreliable insurance, such unreliable insurance sellers, how do you want me to trust them!

[Reason 3: The agreement in insurance is too cumbersome and complicated, and when it is sold, it is useless when it is really used!] 】<

In today's insurance, there are a lot of agreements and insurance, and I can't wait to publish a few books, and then the introduction to you is also skyrocketing. Anything that scares the heel as long as it can be insured is protected, but when you really have something to do and need this insurance, this is not good, that is not good! There are also these people who first fool relatives and friends to buy insurance for their own performance, which is a financial exchange, in case there is a little dispute or something, both sides are not happy.

So people nowadays are still very reluctant to insurance!

Insurance still needs to be improved, and the current life insurance, especially critical illness insurance, is a bit of nonsense.

Pretending to be confused. Now those insurance, protection! The surname of insurance is Bao, the slogan is loud, and the real insurance products are only worse, not the worst.

I like to reach out because I don't have to pay, I don't like to reach out because I want to touch myself, I can't sell my RV if I am seriously ill, because I can reach out to the society for free, and self-esteem and self-love are never worthless.

It's not a lack of integrity, insurance companies don't treat customers with integrity at all, they can fool on the flicker, they can cheat, they can hide it, they can hide it, the pit is one, the commission for the insurance ** person is 30%, and some small companies are 40%, all day long pulling people's heads, playing **, the terms of the insurance contract are not transparent, they are all overlord clauses, all day long calculating the customers who buy insurance, can they do it for a long time, like the lottery, do it stink, and it's over.

First of all, the psychology of seeking advantages and avoiding disadvantages in human nature, the psychology of luck, and secondly, taking money too seriously, and having to spend money to buy insurance, disgusting this and that, really going out of danger and piecing together, and not wanting to spend their own money.

Although the insurance is good, the risk of refusal is very large, so I don't have insurance if I buy insurance.

Virtual finance makes a lot of money, that is, the use of the psychology of not getting for nothing, there are a lot of sales of personal insurance information, door-to-door deception of middle-aged and elderly people to buy financial or dividend insurance, false sales, commission of 50%, annual income of millions, remember to take the initiative to find no good things.

There are too many drawbacks in the marketing strategy of insurance companies, which leads to chaos and recruitment, and recruitment without a bottom line is a typical phenomenon.

Because you need to pay insurance premiums to protect yourself, it hurts to spend your own money, and it hurts to ask others to spend other people's money, and it doesn't hurt to spend other people's money.

Because many people now say that insurance is unreliable, and always say that insurance is a bit foolish, so many people are reluctant to buy insurance, maybe this industry is not very formal.

Insurance publicity is not in place, many people don't know the importance of insurance, and the insurance payout process is too complicated, which makes many people feel too troublesome.

Because people who don't have money can't even protect the future, they may not even be able to protect the present. And rich people feel that they are so rich that they don't need insurance to help them even if they are sick.

This is because the rules and regulations of insurance are too stubborn, and there are some non-standard places, which will not work and cannot help yourself. In short, it is the reason why there are too many insurance routines, too many pits, and low credibility.

That's because in our country many insurance companies, their terms. It causes a lot of trouble to the policyholder. When they go to make a claim, they can come up with many inexplicable reasons to refuse the claim. Although this is only an isolated phenomenon, it has also created a bad impression on many people.

Or because I don't know anything about insurance, because I don't dare to try it because I don't know anything, I always feel that it is a trap designed by others, so I naturally feel that it will be safer to ask for someone.

Because you have been fooled, don't be unprofessional people to sell insurance, but it is not protected, insurance has too many word games, and you will fall into it if you don't pay attention, so you must read the content of the policy clearly when buying insurance.

It is very important that the people do not have a sense of insurance, because of the quality of the people. When they sell insurance, they do not fully understand the types of insurance, and in order to pull policyholders, so they only talk about the good part, there is a feeling of confusing consumers, in fact, insurance as a protection product, is the main nature of insurance, they do not realize it, but just regard insurance as an investment product. In other words, let the policyholder think that everything can be insured if he buys insurance, in fact, each insurance has his specific coverage scope, so that when an accident occurs, the policyholder thinks that he can get the protection but there is no protection at all, and the policyholder will have such a position in the heart of the insurance company, that is, "the insurance company deceives people", so people begin to stay away from insurance and are unwilling to buy insurance.

If, in the future, there are a batch of high-quality marketing teams, there is a full understanding and understanding of the type of insurance, this kind of insurance product will be accepted by people, of course, this will take time. There are still very few formal insurance majors in colleges and universities in China, so there is still a shortage of insurance talents, and this situation will definitely get better in the future.

I am an insurance student, and I used to be very confused about this question, so I also asked a lot of people, and the answer I got above is the answer I heard the most, I hope it can help you.

There is another reason, that is, insurance is a protection product, unlike this kind of investment product, the public can instantly see that their money has increased, and insurance will not appear this phenomenon. And some people think that if you keep your money in the bank, there will be interest, and it is also very secure, but insurance is only a matter of probability, so if nothing happens, then the insurance money is in vain, what they don't think is that insurance is to buy big protection with small money, a big protection is very necessary, and it will not have a great impact on your life.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

One sentence goes like this: Many people die not of disease, but of ignorance; There are many who die not of ignorance, but of poverty; No one plans to fail, but many fail without a plan! Engaging in life insurance, encountering a lot of resistance, most of the reasons for customer refusal, now summarized as follows eighteen of the most common:

1. What insurance is, I haven't thought about it yet. Second, I have already bought insurance for my child, so don't buy it. Third, my husband is in business, and we have no risk at home.

Fourth, I don't have the money to buy insurance. Fifth, I'm not so unlucky, besides, I work here, and I have to go back to my hometown to buy insurance. Sixth, insurance is unlucky, "no insurance, no insurance, one insurance is risk".

7. Don't believe in insurance. 8. I've bought a lot of insurance, don't buy it again, and you don't want to do insurance anymore, it's too late to do insurance. 9. People say that insurance is a lie.

10. Have money to deposit in the bank and engage in investment. Ten.

First, I am still young and in good health, and I will consider buying insurance in the future, and I am not interested in insurance now. Ten.

3. I have money and don't need insurance. Ten.

Fourth, if you have money, you must first buy a house and a car. Ten.

Fifth, it is easy for your insurance company to collect money, but it is difficult to get money. Ten.

Sixth, if you really have such a serious illness, don't look at it, why buy insurance? Ten.

7. It takes so long to get money when you buy insurance, and I don't know what to do when the time comes, or it is cost-effective to invest in business. Ten.

8. Insurance is pyramid schemes, I hate people who do insurance, people who do insurance are dead-skinned and thick-skinned; People who do insurance are like asking for food.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Therefore, it is very important to adjust the mentality in the early stage, and there is no universal way to adjust the mentality, you can only rely on yourself. Judging from various data and my own experience, the dropout rate of ** people in the new period is very high, because at this time, the experience and technology are not mature enough, and the mentality has not been adjusted to a very ideal state, and it is easy to be opposed and doubted by relatives and friends, and it is easy to retreat. My rookie stage was not smooth, because my concept could not change at the beginning, I did not understand insurance enough, and I was embarrassed to talk to acquaintances.

At that time, my supervisor was not good at guiding me, but blindly put pressure on me, which led to me almost leaving the industry. Later, I changed a management team, and then the supervisor was very good at guiding, he did not have hard requirements for me, but patiently communicated with me, let me express my feelings, and slowly guided me to change my concept in the exchange, so that I accepted and recognized the meaning of insurance in my heart, and the previous problem was solved, and I would not be reluctant to talk to acquaintances about insurance, and now many of my family and friends are my customers. The turnover rate of newcomers is often more than 60%, in fact, the problems of newcomers may be more due to mentality problems.

Because the newcomer stage does not have enough understanding of insurance, many newcomers do not recognize insurance in their hearts, and do not know whether this product is useful to friends and customers, so they are afraid to talk to others about insurance, for fear of being rejected. Many people enter the insurance industry without a long-term career plan, just because they can't find a better job, with the mentality of giving it a try to do insurance, without a firm belief, the mentality is not good, and difficulties will naturally arise and amplify. Therefore, it is very important to adjust the mentality in the early stage, and there is no universal way to adjust the mentality, you can only rely on yourself.

To overcome the difficulties of the newcomer period, the word "persistence" is very important. We must do two things well, the first is to insist on visiting customers every day, and the second is to learn to summarize the ways and means, not to visit blindly, the types of customers are different, and the way of communication is also different. Today, which point of the chat effect is better, which point of the chat is not good is easy to make customers disgusted, every day to sort out, the future will be smoother, meet the same kind of customers to know what method to use.

Not only must we insist on doing it, but we must also learn to think, ponder things, and ponder people.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"