Why are people in China so resistant to insurance?

What is the reason for this beforehand ask the insurance company?

Many people have a bias against insurance, and this bias comes from their own experience or that of others.

For example, my mother. My father helped my mother buy insurance before his death, and the most direct reason for buying insurance was because of "affection". As a result, when it was time to pay the premiums every year, my mother would complain that the insurance was useless.

For example, my friend. My friend had bought a lot of insurance, but he didn't know exactly what he was buying. In his opinion, it is enough to have mutual medical assistance for employees, social security, and commercial insurance.

For example, my colleague. My colleague thought that the insurance was a fraud, so he lost some of the principal and returned the insurance. He said that the insurance officer has a high salary and good salary, and the wool is out of the sheep, and the insurance is a deception.

There are countless examples of this. It is precisely because of the lack of insurance knowledge that many "old people" will subjectively think or hearsay that insurance is a fraud, and this prejudice is deep-rooted.

Because people who buy insurance have not really enjoyed the dividends of insurance, and the development of China's insurance industry is relatively late, a large number of people who have consciously bought insurance and have already bought insurance have not yet reached the age of enjoying insurance to give them obvious protection. It's just that I realize that insurance can bring life security to my future.

1.People are not insurance conscious.

2.There is also a feeling that people make money through insurance, rather than buying insurance.

3.Some unqualified insurance salesmen promote products that do not meet individual needs.

The reason why many people resist is very simple, that is, they don't believe in insurance companies, such as buying life insurance, you need to pay for 10 years first, and then you can take 20 years, but the current situation in our country is often that when I finish paying, the insurance company will directly go bankrupt or run away, and many people have been cheated by black-hearted companies, so they are worried that their money will be swept away.

In the process of rapid development of domestic insurance, due to the uneven business level and basic quality of sales personnel, it is not uncommon to mislead customers in the process of insurance sales, and it often takes only a few minutes for customers to be deceived from trust, but it takes many years from being deceived to trust in insurance, resulting in low trust in Chinese insurance. Even now, the threshold for insurance salespeople is very low, and it is easy to say that when selling insurance, it is even more difficult for customers to resist insurance products.

The function of insurance has not been deeply rooted in the hearts of the people, mainly because the consumption concept of the Chinese people, the concept of savings, the concept of inheritance and the insurance products are contrary, so that the main function and use of insurance can not be universally accepted. The income that underpins premiums, polarizing the gap between the rich and the poor. Comprehensive insurance needs money to support it, and protection will only be considered if the basic issues are solved.

In the past, a friend of mine complained to me that he once had a friend with whom he had a business relationship, and then they fell out, not because they didn't accept insurance, but because they were disgusted with the salesman who sold insurance. In fact, there is something, and there is none. It's really annoying to have to be cheating.

Our parents were prejudiced against insurance, and this prejudice didn't happen overnight. Insurance itself is a good thing, it is the people who sold insurance in the early years who did not introduce customers well and thoroughly, to put it bluntly, I am afraid of being deceived, at least my parents are like this, the uncles and aunts I know around me are like this, and the same is true of customers who are the same age as my parents. Without their knowledge, the salesperson sold two insurance policies to my dad, and because he was familiar with it, my dad didn't ask much, and my dad only found out about it when he needed money.

So, when I wanted to buy myself insurance, my parents were against it, even though I tried hard to correct their biases.

There is a big gap between the publicity and the actual situation, and some do not pay for the insurance, or the compensation is difficult, the terms are like a book from heaven, and the eyes are used in word games to deceive customers, so customers have palpitations when they mention insurance, especially they also use bank sales channels to defraud customers of insurance, and there are more people who do not trust. Now the situation has improved a bit, and it is much more honest than before.

Decades ago, when China's insurance industry was just starting, the insurance industry was not sound and the training system was not perfect, so a group of "insurance people" were recruited. They are not official staff members of insurance companies, but are paid purely by promoting products. In order to improve their performance and strive for more wages, most "** people" exaggerate the product range, investment income, and even deceive or conceal the investment period, resulting in losses for investors.

With the continuous development of social economy and the continuous progress of science and technology, our quality of life has been improved to a certain extent, and our level of education is getting higher and higher, and people's recognition of some anti-risk consciousness is also getting higher and higher. Therefore, there are many insurance companies on the market, so it is not difficult to find a phenomenon, that is, many people in China are very disgusted with insurance salesmen. So what is the reason for this, first of all, it must be said that the insurance industry must talk about integrity, but now a lot of salesmen have not done this, so there are a lot of non-standard behaviors, there is a forced buy and sell such behavior, and the insurance is not well protected, it will lead to a misunderstanding of people about insurance, that is, insurance, basically **, That's why so many people hate insurance salesmen.

And another more important aspect, that is, some people who sell insurance, they are very unreasonable, even if people say they don't want to buy insurance, then they don't leave, and have been selling some of their insurance, so it has caused a certain degree of harassment to others, so this behavior is very annoying, so it has led to a lot of people hating these selling insurance.

In this case, there is still a solution, and some normative behaviors in the process of selling insurance must be standardized, and there is a good guarantee for insurance, so that people can more clearly understand the importance of insurance. In addition, it is to combine different groups of people to choose the right insurance, so this aspect is still very important, and we must be deeply aware of the importance of this.

People hate resistance because people find these insurance agents too annoying, always affecting their lives, and their sales methods are excessive.

This is because there are many insurance policies that are deceptive, there are many routines, and many people have some prejudices against insurance, so many people are very resistant to insurance.

Because many people around me have been injured because of insurance, and there is no way to make a claim after buying insurance, people have a bad impression of insurance.

If they need it, they will definitely choose it themselves, and they also feel that if they go directly to the door, it is actually a **, so people are particularly resistant.

There are no perfect things, perfect people, perfect experiences, and perfect results in the world. And insurance seems to have been born to make up for this imperfection. There will always be times when healthy bodies get sick, there will always be times when cool cars break down, there will always be times when life comes to an end, and people may have accidents when they go to beautiful scenic spots to play.

Whether it is health insurance, serious illness insurance, vehicle insurance, life insurance or accident insurance, it is to make people's lives more secure and make up for those deficiencies and accidents in life. However, some people may be engaged in jobs that exchange life and health for money, some people simply cannot afford to buy their own cars, and some people do not have time to travel, so they do not need insurance, insurance is a luxury for people with limited financial means, so they will resist insurance and think that it is a kind of money fraud.

Insurance is a way to manage your finances.

There are not only many formal insurance companies in China, but also the three largest insurance companies, which not only have headquarters, but also have branches in various cities across the country. In addition to insurance business, some insurance companies also have financial services such as banks, ****, etc., which have become a comprehensive financial platform, which also shows that insurance is actually a kind of financial product, but also a kind of protection and investment.

Why do some groups in our country resist insurance?

People buy monetary wealth management products to keep their savings in value, and they need to be more financially protected, while buying insurance is to make their lives more secure, which is a way to avoid risks, and it can be said that insurance is another way to manage money. Some groups belong to the Moonshine family, while others have very limited personal savings, so none of them are intended customers for insurance. These people don't need insurance products, and the salesperson's enthusiasm will only make them suspect that this is a **.

The reason why people resist insurance is because insurance salesmen are too enthusiastic, whether it is frequent communication or strange visits to disturb personal life, so insurance sales should still choose a reasonable marketing method.

Because they used a lot of false propaganda methods when they first advertised, some people felt that these things were not very reliable.

Because many people now feel that insurance is deceptive, and there are many people in China who do not have the awareness of buying insurance, they will be very resistant.

Because there are many people in China who lack a correct understanding of insurance and do not have a long-term vision, they are so resistant to insurance.

Insurance is actually a very good industry in foreign countries, (many major bookstores published in the "God of Sales", "Ace Salesman" introduced in the great salesmen are engaged in the insurance industry), in foreign insurance has become a kind of thing that many people can accept and are willing to buy, but in our country, the situation is just the opposite, I have a lot of people have a kind of resistance to insurance omission, why? Because there are too many informal things that have caused us to have this impression, and at the same time, the personnel involved in the promotion of the insurance industry have returned to the circle, and the levels are very different, including high-level financial students in universities, and there are also uncles and aunts who have been laid off and reemployed at the age of dozens of years, and the overall feeling is that the domestic insurance industry is an industry that anyone can enter. So is the insurance industry really so bad, and is there no future for this job?

Personally, I don't think necessarily, now many well-known companies in the insurance industry have been aware of this problem, and they are planning to formulate a variety of maxims to improve the industry, so for the practitioners who will enter this industry in the future, it is a good gospel, although the insurance industry as a whole feels bad, but it has survived in the country for a long time, the Chinese people are not as cold as in the past for insurance, basically young people now have the awareness of insurance, so I suggest you might as well try. However, there is no need for small insurance companies to go, and sooner or later such companies will be eliminated. Large insurance companies such as AIA, Zhonghong Renshou and Haier New York are a wise choice.

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

Some don't know about insurance, some have no spare money, some feel that insurance is not good, and some feel that they are always lucky.

Consciousness is related to the time of contact. From scratch, to from hearing to understanding to buying, there needs to be a process.

Foreigners have a strong sense of insurance, and it depends on the foreigners who are the best. For example, people in Japan and the United Kingdom are more insurance conscious, and they may have many insurance policies. People in countries like those who believe in religion are less aware of insurance because they believe in their own God or bodhisattva protection.

Chinese people have been exposed to insurance for a short time, and it takes time to have a strong sense of insurance. This is where insurance comes in. The state supports the development of the insurance industry, and has issued ten national articles.

And more and more people are buying insurance. From social security to commercial insurance, more and more people are recognized.

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

1, the income level of Chinese is very low, at present, most people are still worried about the basic means of living, such as housing and other problems have to plague many people for decades, so there is little room for additional income to guarantee investment, and the enthusiasm is not high.

2. Secondly, the popularization and promotion of insurance, finance, law and other knowledge in China's education can be said to be basically zero, so that people do not understand these from the consciousness and do not know the role of these guarantees.

3, insurance talent is few, now engaged in insurance intermediaries and services are low-educated personnel, many people themselves have a shallow understanding of the insurance itself, in order to pursue performance, many people use deception and concealment and other means to carry out business, so that the reputation of commercial insurance is not very good among the general public, and insurance companies for their own development, but also adopted a partial connivance strategy.

In short, I can't count the numbers, this topic is too big, and it is more than enough to write two or three **.

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