What are the root causes of bias in the insurance industry?

There are three fundamental reasons for bias in the insurance industryFirst, the early management is not in place, resulting in the poor reputation of the insurance industry. The second is that most of the sales staff in the insurance industry do not have the energy to conduct unified training, resulting in uneven quality and poor impression of the overall industry. The third is the nature of the insurance industry.

01. The early management is not in place, and the industry has a poor reputation, in fact, there was an insurance industry a long time ago, but the insurance industry at that time was not as standardized as it is now. Especially in the early years, many people like to deceive people under the banner of insurance, which leads to the fact that the insurance industry is a leading industry in everyone's hearts, so the insurance industry naturally does not get a good reputation. At the same time, many insurance companies in the early days could not operate and went bankrupt, resulting in many people's investment in the funds also wasted, once bitten by snakes, ten years afraid of the well rope, many people began to have a great prejudice against the insurance industry.

In addition, there are few insurance in the early stage for the benefit of the insured, and many people have not been able to return on the funds invested, which has also led to the reputation of the insurance industry falling again and again.

02. The threshold for salespeople in the insurance industry has always been very low, especially in the early years, selling insurance is a sideline for many people. As a result, the sales staff in the insurance industry in the early stage have not undergone unified training, and they themselves are not professional enough, and their performance is not reliable. In particular, some salespeople in the insurance industry are made to look like a pyramid scheme, which is naturally prejudiced by more and more people.

03. Caused by the nature of the insurance industryBecause buying insurance is not the same as investing, many times people don't feel its existence. Like many people, they feel that they invest so much money every year, but they feel that it really does not bring practical use to their lives, so they feel that insurance is a little bit chicken, so the prejudice against the insurance industry is increasing.

So in general,The nature of the insurance industry itself makes it not equal to an ordinary commodity, and the unconventional insurance companies in the early stage have been consuming its reputation and trust, which naturally makes the insurance industry suffer from prejudice in the end

I think the fundamental reason is that their service method is not acceptable to the public in the shortest possible time, most of the insurance industry has a low threshold, and most of them are leeks for the people around them.

Because the insurance claim is very unsmooth, there are always many reasons to deny the claim. The unsound development of China's insurance industry is also one of the reasons.

The fundamental reason is that the publicity model of the insurance industry is too complicated, and many people often receive insurance sales, which leads to prejudice against insurance companies.

The insurance industry in China, from a market perspective, is a very large primary market, and the current entry threshold is still relatively low. Many people are prejudiced against insurance, and there are many reasons, which are summarized as follows: 1. Some people with poor quality and quality enter this industry, deceive customers in the sales process, conceal some key points in the product, and exaggerate the profitability of the product.

These actions ultimately lead to customer resentment towards the insurance company and the industry. 2. The sales model of the insurance industry is a direct selling model, and Chinese's views on the direct selling model are greatly affected by illegal pyramid schemes, and many people cannot distinguish the difference between illegal pyramid schemes and direct sales. 3. For personal reasons of customers, many people are always purely vigilant about unfamiliar things and scum, and the closed heart cannot see the truth of things, people are always greedy, and after being misled by bad people "lure" to buy products that are very different from psychological expectations, they finally blame the insurance head and think that the insurance is a fraud.

But all this is changing, and the rapid growth of the insurance industry tells us that more and more people understand and accept insurance, otherwise the insurance industry would not have been able to achieve an annual growth rate of more than 30%. Don't doubt, don't hesitate, the truth will be known to everyone, and you are the one who understands it before others.

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 initial reason for buying insurance was because of "affection". As a result, when it is time to pay the premium every year, my mother will complain that it is useless to buy insurance.

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. I think 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. Happily, more and more post-80s and post-90s generations around me have begun to accept and buy insurance.

As the saying goes, it is better not to buy insurance if you buy insurance wrongly. When buying insurance, don't get in the way of buying insurance, find a professional insurance planner to plan the insurance plan, and match it with accident insurance, critical illness insurance, medical insurance, life insurance, etc., to prevent various life risks. At the same time, after purchasing insurance, do not put it on the shelf, do regular insurance inventory, and timely supplement the insurance type or increase the amount of insurance according to the actual situation.

Hi, I'm Nana, a communicator, a learning facilitator, and a practitioner of personal growth.

Why do many people think insurance is a scam?

Hello! It is believed that people's misconceptions about insurance are mainly concentrated in the following reasons:

First, people subjectively ignore the risks and refuse to buy insurance.

In life, we prefer to listen to festive words, such as: smooth sailing, successful career, etc., people are reluctant to mention risks, as if bad things will happen. In fact, the risk exists in any case, but there is a difference in probability, we say that buying insurance does not mean to prevent the risk from occurring, but to let the insurance to reduce the risk of economic losses to us.

Clause. Second, there is a problem with the perception of insurance.

Some friends will say how much I want to spend on an insurance, or which insurance I want to buy, and I often can't smile bitterly when faced with this question. There are also many types of insurance products, and the content of protection is different for different products. We take car insurance as an example, there are compulsory traffic insurance, car damage insurance, third-party liability insurance, etc., each of which is actually different.

It's more important to suit yourself, otherwise it's not very cost-effective to buy so much protection and very little.

Clause. 3. Publicity issues of insurance companies.

When some insurance companies' products are advertised, they are specially equipped with wealth management products, and only calculate the calculated income, but the actual situation generally does not reach the highest claim. In addition, for example, some words such as "buy is earn" or "you have to buy insurance" are also disgusting, these marketing gimmicks are too strong and easy to cause people to have a negative impression.

Clause. Fourth, the quality of individual insurance personnel.

We know that the number of people in insurance companies has reached more than 7 million, and there are some people who, in order to complete their business and personal interests, often only talk about the good side or deliberately do not explain the terms of the product when introducing to customers, which leads to many difficulties for customers when making claims, and then has a much worse impression of insurance.

Clause. Fifth, the overall service level of the insurance industry.

We know that the customer buys insurance is not as simple as spending money to buy it, and the purchase of insurance, especially health insurance, should have an understanding of the customer's situation in the configuration, and then help the customer manage the policy, assist in the settlement of claims, etc., Xiaobao feels that this is the value and competitiveness of the insurance people, and only by serving with heart can we receive a good evaluation.

In recent years, Internet insurance has developed rapidly, and it is convenient to apply for insurance and fast to settle claims, which has become a good choice for people, providing people with such a difficult platform, which is a good choice for everyone.

My first reaction when I heard about insurance was that it was a pyramid scheme, or it was a fraud. Insurance is expensive, and it is a trap, and when it comes to insurance, I stay away. Later, I met a few friends who do insurance, at first I was also very reluctant to them, and then I saw that there were always some people in the circle of friends who sent water drop chips, and I began to worry, relying on savings to treat diseases is a drop in the bucket, water drop chips seem good, but how much money can be raised!

Later, I learned about the knowledge and role of insurance on the Duobaoyu platform, and I bought one. At least when you are sick, you have a support, so that you don't have to sell your car and house.

I don't usually come into contact with insurance, and my misunderstanding about insurance is quite big, but now that I buy it, I hope that insurance can help.

Think insurance is a lie. It's a pyramid scheme. Not credible.

In addition to social security, there is excess spare money to buy commercial insurance.