Insurance questions, annoying, annoying questions about insurance companies

The friend upstairs spoke very clearly.

Alternatively, you can call 95511 directly.

Say directly to customer service: Are these the three promises of your safety? That's what you do.

Keep the contract and find a reason for your claim"?

Now it's clear that when I was a freshman, the school was buying groups in a unified way"Learn to be safe"My current situation clearly falls under your insurance liability.

You always shirk and refuse to help me solve practical problems.

In that case, why did you make three promises? It's just for fun, right?

I'm not satisfied with your service now, and even more dissatisfied with my salesman.

What I need now is someone who can help me solve my problems.

And not someone who will only shirk responsibility.

If you can't solve my problem, no problem.

Please find someone who can help me solve the problem.

Call them to complain **95511 or if it doesn't work, call the CIRC.

You can ask your school for group insurance, they should have a policy in their hands, you can see if you can solve it through the school!

Personally, I think:

Clause. 1. In my opinion, the "annoying" you say may mainly refer to the fact that the insurance salesman often sells insurance business to you, because it takes up your precious time, and you don't need such insurance business, so you think that the behavior of the insurance salesman disturbs your life.

Clause. Second, in the eyes of insurance companies, the job of an insurance salesman is just due diligence. Insurance is a protection measure for potential risks in the future, everyone may be a potential customer of insurance, and everyone may not become an actual customer of insurance because of the high cost of premiums and the small probability of risk, so the main marketing method of the insurance industry is to actively communicate with as many potential customers as possible.

Because of the huge profits of the insurance industry, a large number of insurance companies have been established, which directly leads to fierce competition in the industry. Therefore, the insurance salesman often calls you to promote the insurance business, which is a sign of due diligence.

Clause. 3. In the eyes of the insurance salesman of the insurance company, the work of the insurance salesman is just helpless. The insurance salesman not only knows that he must play more in order to get more customer resources, but also knows that many people are reluctant or even tired of promoting insurance.

In order to be able to complete the work tasks of the insurance company, they can only patiently promote insurance, even if the potential customer complains, they (she) have to endure and persevere.

Clause. Fourth, in the eyes of other ordinary people, the job of an insurance salesman is dedication. Insurance salesmen are engaged in a sacred cause, which can not only provide economic security and support for people's lives and property, but also contribute to social and economic development.

While contributing to the society and helping others (her), he also makes his living conditions better and better. From the point of view of an objective and neutral bystander, they are dedicated and doing their best to do their job well.

Clause. Fifth, my opinion is: First, most of the insurance salesmen are polite and polite, because only in this way can they be accepted and recognized by customers, and their (her) sales are just a legal and reasonable way of working, and there is nothing wrong with it.

Second, we should understand and support the work of insurance salesmen, if we have insurance needs, we should humbly ask them (her) for advice, if we don't need their (her) insurance business, just say "thank you, I don't need it." Good bye. "The third is that the insurance salesman's sales behavior should not be angry or annoyed, which is a manifestation of no mind and self-cultivation; Don't speak ill of each other, it's rude and immoral, insurance salesmen are just working, they may think that insurance is helpful to us, and that we will bring them income, that's all.

Clause. 6. To sum up, my reply is: first, sales promotion is one of the necessary working methods of the insurance industry; The second is to understand and support the hard work of insurance salesmen with a tolerant heart.

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

Dear Sir Madam, dear friend, I understand your thoughts, in fact, I used to be very disgusted with insurance. Someone came and asked me to buy insurance.

I said something wrong with you, I don't need insurance. Later, he asked me to do insurance, and I said if you were nervous. But this man was a very nice man, and although I was very polite, he didn't get angry and made friends with me.

Later, after contacting him for a long time, I slowly found that this person is quite good, very down-to-earth, and very sincere. Slowly, I also learned about insurance and felt that everyone should really have an insurance, so I bought insurance. Later, I felt that insurance could really help others, and I could learn things myself, so I also made insurance.

From my dislike of insurance to buying insurance and then doing insurance, it was actually his words that touched me. He said, "No matter how much you hate insurance, you've already bought it." Because in this world, everyone buys life insurance, the key is whether he buys it from his own wallet or from the insurance company.

If you buy it from your own wallet, when you have a serious illness and need 200,000 yuan, you have to take out 100,000 yuan from the bank and borrow 100,000 yuan. Although the disease was cured, he owed a debt, and the hard-earned money was snatched away at once, so he responded to the sentence "After decades of hard work, I returned to the pre-liberation period after I got sick." "But when you buy from the insurance company, you just put a little money in the bank and put it in the insurance company, and you just put the money in your left pocket in your right pocket.

In case of a serious illness that requires 200,000 yuan, the insurance company immediately gives 300,000 yuan, which not only cures the disease, but also earns 100,000 yuan. But no one wants to earn the 100,000, but it's better to prevent than to do it, anyway, it's just saving money, it's just a different way of managing money. In this world, only if you learn to manage money, money will take care of you; You don't know how to manage money, and money doesn't care about you.

I'm so happy to be in the insurance company! I have made friends with many customers and get along well with my colleagues. They are very nice people, they are very helpful, they are all very confident, and I have learned a lot from them.

It's a great job in insurance, and I think I'll do it forever. We only do insurance to provide services to others, so that others can understand life insurance. We are happy when customers buy clearly and with confidence, because insurance is completely dependent on referrals.

Friends, it doesn't matter if you buy it now or not, let's learn more about insurance when you have time! It's never a bad idea to know a little more! I'm really sorry for bothering me today.

Good bye. Ping An Life's comprehensive protection plan will make your love last! What hangs on the lips is blessings, the wind comes and goes!

What is signed on the slip is a guarantee, and the year is safe! May you and your loved ones be safe, healthy, happy, and happy for a lifetime!

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

It was supposed to be a good business.

But what about the development of this industry until now, it is a bit alienating to the average person.

At least few of the people around me will be close to the people who do insurance.

The common idea is to sell insurance, not to care if people need insurance.

As an insurance salesperson, I encounter customers who do not understand and do not give face, which causes psychological imbalance, and even depression and annoyance.

Dryness and fatigue are common things, and only by relying on oneself to recognize the situation and self-regulate oneself.

Recognize the current situation of the insurance industry: in the past, some insurance salespeople had low quality, poor credit, and stubborn methods, which caused a rebellious psychology caused by a bad impression on the public. There are also reasons why people really don't know about insurance or don't need certain insurance.

Then, distinguish which type the sales object belongs to, and then solve it according to the specific problem

1. I have a better understanding of insurance, but I don't believe in insurance salespeople: most of these people have a certain social status, social security, and medical insurance, but they also need car insurance and property insurance, so that the other party can believe in the credibility of themselves and the insurance company.

2. I don't know about insurance, but I am disgusted with insurance salespeople: this is the majority of the people, who do not have enough medical insurance and social security, and are the people who need insurance the most, but due to the poor economic foundation, they are not willing to take out money to buy insurance, and they are only lucky that "big things" do not happen to themselves. For this part of the people, in addition to making the other party believe in themselves, they should also have a strategy to introduce the benefits of each type of insurance in detail.

As long as you have your own beliefs, have clear goals, have love and responsibility, dare to challenge yourself, believe that you can achieve your goals, and constantly adjust your methods in order to achieve your goals, and never be discouraged, success will come naturally.

When insurance was introduced from Europe and the United States, it was originally used as a tool for passive financial protection and as the bottom line for personal and property safety. But in China, especially in the mainland, the reputation is not good.

Clause. First, there are many disputes.

At the beginning of the sale of insurance, if the salesperson and the policyholder do not truthfully inform each other of all the contents, it is easy to cause the result of "easy to insure, difficult to settle claims" when making claims, and the biggest impression to people is that the insurance is not honest enough.

The slogan of insurance is: in case of accidents, you can get compensation and recover some personal losses, but if you pay for many years and can't pay in the end, no matter who the reason, the policyholder will be very depressed, and then start to hate insurance.

Clause. Second, I don't think I'm going to be so unlucky.

Many people think that they might win a lottery, but no one ever thinks that an accident will come to them. Moreover, for some older people, they are extremely resistant to this kind of "bad luck", thinking that buying accident insurance is to curse themselves for accidents.

Clause. Third, the quality of sales personnel.

In 1992, when the insurance system was introduced into China, it was just in time for the first wave of layoffs from state-owned enterprises, and a large number of laid-off workers began to engage in this new type of work.

However, because insurance companies are eager to expand, they do not strictly control the ability and quality of employees, and the problem caused is that there is no threshold, and anyone can enter. Some employees of some companies do not have a basic salary guarantee after joining the company, so they can only rely on relatives to buy insurance, and when the relatives buy it, they are basically dismissed. The result is extensive promotion and no morality at all, which makes many people feel disgusted.

How can it be improved?

Insurance was introduced from Europe and the United States, and Europe and the United States also encountered this kind of problem at the beginning, so Europe and the United States all established "indefensible" clauses in the 30s of the last century, so that the people began to trust insurance.

In 2009, China's latest insurance law also added a "two-year indefensibility" rule to protect the interests of policyholders.

Although there are still many problems with insurance now, at least one step has been taken.

In recent years, because of the good demonstration role of freight insurance, aviation delay insurance and other small varieties, insurance has begun to reverse its negative impression, if insurance companies can strictly control their own products, standardize the quality of employees, insurance may be able to really play its original role in the future.

Although there are many wealth management insurance products, it is important to know that the biggest role of insurance is insurance leverage, not financial management.

First, let's understand what insurance is and what it does. Insurance is a financial instrument that transfers risk, a system of protection, and is able to compensate financially after the risk has occurred. Insurance is a guarantee for an uncertain future, because no one knows when accidents or risks will occur, and it is very necessary to do a good job of risk management.

<> from this point of view, insurance is just a tool, and what kind of effect it will have depends entirely on the person. People who know insurance knowledge or financial knowledge can make good use of insurance to establish a security system for themselves and their families, and even make various investments to realize the inheritance of family wealth. Judging by what is happening in reality, it's not the insurance that's annoying, it's the behavior of some insurance salespeople.

The sales act more like a salesman than a consultant. They're just selling a product, they're not helping you solve a problem, they're not offering a solution. Most consumers want to see an all-encompassing consultative salesperson, but most are not able to meet that demand.

What's more, many business personnel are not professional enough, such as unclear explanation of insurance terms, lack of understanding of the responsibilities of insurance products, and so on. This phenomenon has led to a very bad impression of insurance among the general public, believing that insurance companies are deceitful and insurance is deceptive. In fact, it is the unprofessionalism of the insurance salesperson, not the insurance itself.

In the final analysis, what we hate is not insurance, but certain sales practices of insurance, the behavior of certain insurance salespeople.

Do you still think you hate insurance now?