How to do a good job of bancassurance? What are the three benefits of buying insurance at a bank?

If you think something is really good, you can make a flyout and send it to customers. In fact, everyone needs insurance, if you can do financial management from the perspective of customers, not to sell for the sake of selling, then things will naturally sell well. If your child has a baby, you can recommend children's insurance.

Now many institutions do not do market research, indiscriminately sell dividend insurance, I feel that dividend insurance is not as good as everything, far behind... The president will only talk to people, they can't do anything... Don't take them as pressure, if you like this thing, there will definitely be progress, come on, protecting your throat is the first thing...

Every day, they set up stalls in banks and put out advertising banners, which are pulled by individuals, and promote insurance under various banners.

Selling long-term life insurance to ignorant old people is said to be higher than the fixed deposit interest rate, and advocating some financial products to ordinary people who have few money and can't afford to pay renewal premiums, and giving them protection.

Turning their savings into policies that claim to have high returns but can't be withdrawn in advance is easy to insure and difficult to claim.

Pull a single order to give you a commission, and ask you to take the money out to beat the people in the bank;

You can't sell it, you don't have a penny base salary, and you still post it upside down. Do you think it's worth doing?

This is indeed not an isolated case. The environment dictates this. The method can be changed appropriately.

This should be combined inside and outside, and the tacit understanding can get twice the result with half the effort. Change direction whenever you encounter a bottleneck. Don't market for marketing's sake.

You can look at the problem from the customer's point of view, really think about it, and at the same time learn from others' strengths, and you will be recognized and supported by customers without impatience. I believe you will make a difference!!

Bancassurance refers to the use of banks and other channels by insurance companies to sell various insurance products (life insurance products). Buying insurance at a bank is not only convenient but also has the following two major advantages:

First of all, residents have a higher cost performance ratio when purchasing bancassurance products. This is because compared to other sales channels (e.g., brokerage, **, etc.), insurance companies sell insurance products through banks, and insurance companies are dedicated to back-office support, so they don't have to build a sales force and pay lower fees.

Secondly, most of the insurance products sold in banks have some common features: simple design and simple insurance; The term is relatively short; It not only has the function of saving and investing, but also provides comprehensive protection and thoughtful service. These features make up for the disadvantages of traditional insurance products that are complex and cumbersome.

At present, domestic bancassurance products are mainly concentrated in two types of products: dividends and universal products. Among them, universal insurance is to enjoy the benefits of expert wealth management on the basis of a certain guaranteed income, and the flexibility of the wealth management account is enough to meet the long-term financial needs of customers with low risk preferences. The main advantage of participating insurance is that it can enable policyholders to ensure the safety of the principal while obtaining protection, and enjoy the professional investment income of the insurance company, which is the main type of insurance to resist the turbulence of the capital market and is suitable for customers with low risk appetite.

As an emerging life insurance product, bancassurance products make up for the limitations of insurance products in terms of income, and also effectively supplement the singleness of bank deposits for customers' financial choices, and meet the comprehensive needs of customers with different risk tolerances.

1. The bank has abundant products and low risk. 2. Banks mainly focus on the function of insurance. 3. The risk is high and the return is unpredictable.

The insurance products launched by banks are formal, reliable, and relatively safe, and the epidemic has affected the need for compulsory savings; Being able to become a high-quality customer of the bank is conducive to applying for loans and credit cards in the bank; And you can experience the service at a nearby bank, which is convenient and timely.

Buy insurance at the bank. What good can there be, there is no benefit.

Insurance work has its advantages, but also has its disadvantages, when we understand the insurance, understand it thoroughly, in fact, insurance is just a very good choice.

Technically, we gave 31 lectures last month on "What is insurance and how to learn about it". If you thoroughly understand the meaning and function of Baohong Chain and learn to communicate with customers, it is really not difficult to sell insurance.

If you treat the job of ** person as your own business and your own boss, in fact, we can really prove that the job of insurance is really good.

For example, if we open our own coffee shop, you have to rent a place and pay rent, while we sell insurance, everyone has a seat, and even an office, so we don't need to pay rent.

We have to decorate our own store, we don't have to decorate our own houses to sell insurance, and the insurance company provides us with workplaces and decorates for us.

We do a lot of buying and selling, and it costs money to buy goods, and selling insurance doesn't need to travel thousands of miles to buy goods.

When we do other businesses, we need to invest in labor costs, and selling insurance, no matter how many employees you have, you don't need to pay a salary, the insurance company will open it for you.

In traditional business, I am afraid that the goods we buy will not be sold, and they will be smashed into their own hands, and they will have to bear the risk of loss and bankruptcy, while selling insurance will not have the possibility of pressing goods, nor will they have to bear the pressure of loss and bankruptcy, which is a million benefits of insurance.

It is our energy, our physical strength, our intelligence, as long as we are willing to invest, one mouth to call wax, two legs can create miracles, profits, and by our efforts can achieve "more work, less work, no work".

Of course, it's okay, because now many banks they all handle financial insurance, in fact, this is a kind of work of an insurance company, but many elderly people are easy to be deceived by these rolling insurance personnel, for example, he told you that the sail hole is called financial management, and after the real completion of the hand hole sedan car, it has become insurance.

Hello, not bad. Banks mainly deposit and withdraw money, and insurance is recommended in them, which many people do not accept, and it will be considered fraud.

In fact, there is no such thing as a good job, it just depends on whether you are a good match for the job, or there is potential and room for growth in this area.

This depends on the characteristics of your work, there are good and bad things.

Bancassurance is very good, and the service in this area is very user-friendly. In many evaluations of netizens, it can be seen that bancassurance products are very selective, and the cost is relatively low. Everyone is very willing to choose Huai Ku to choose to use the bank's insurance, because it is trustworthy. <>

Bancassurance is very reliable because banks have a lot of customers. Moreover, there are many people who transfer and receive money in the bank every day, and there are also many people who put their spare money in the bank for insurance investment, such as making some small, low-risk financial investments. Therefore, the bank's insurance has become very necessary at this time, if you apply for insurance in the bank, it will not be said to be as complicated as ordinary insurance, as long as you save money into it, relatively speaking, the amount is slightly larger, and the bank will be able to arrange insurance for you to handle investment business.

There are many types of bancassurance products, and some of these products can be used by children, middle-aged people or the elderly. Then if you want to go to the bank to apply for insurance, the relevant staff will also explain it to you very clearly. For example, many middle-aged and elderly people do not understand the situation, and the relevant staff will explain it to everyone very clearly to avoid misunderstandings and losses.

This will also affect the bank's reputation, which can cause a lot of damage to reputational issues. Therefore, bancassurance products are insurance products that are pushed out in the form of volume and using the method of earning less and selling more. <>

In terms of the cost that everyone is most concerned about, the cost of insurance for banks is very low. You don't need to pay any commission, you only need to pay a small percentage of the processing fee. In addition, there is a small problem with bancassurance, that is, the term of the insurance product may be relatively long, and the funds may not be withdrawn quickly.

Even if you take it out quickly, it will not be based on the promised annual profit at that time, and the relevant fees will be deducted. Therefore, when you are buying, you must pay attention to this aspect, so as not to urgently use the money to take out these insurances, but you need to lose more money than you lose, which is a complete waste of time.

Very good. Bancassurance was only listed last year. It also has a pre-defined point that exempts you from medical examinations, making it easy to apply for insurance.

He is the same as Cong Deficiency Insurance Company, but the way of promotion is different. But on the business side, I feel like if you want to have insurance, you should go to the salesperson of the insurance company. Of course, if you don't run out of money in the short term, it's best to deposit bank insurance.

It's up to you, the bank's death period is permeable in the short term, but in the long run, there is no insurance with high returns. If you want to have a higher return, it's still **and**, but you have to understand. Used.

Banks sell insurance products on behalf of insurance companies. If you really want to buy insurance, it's best to go to the insurance company to buy it. Professionals provide you with one-on-one service.

The bank pays a simple annual interest rate, i.e. annually. The insurance company's dividends are compounded, and this part of the income is maximized. Generally speaking, there are two types of benefits for bancassurance products, namely:

Luma fixed income + compound interest dividends, so the interest of insurance products must be higher than that of banks, which is also the Yinchun round insurance product has been verified in the market in recent years. In addition, you will be well protected when depositing funds. Isn't it killing two birds with one stone?

I haven't used it yet.

Buying insurance at the bank is more cost-effective and has higher returns; There are many bank counters, and insurance can be purchased at the gate, which reduces the cost of traffic accident insurance and the cost of time and vitality; In addition, I can apply for a register in the bank to handle credit business and buy insurance, and have reached the psychological state of "one-time purchase"; If the bank is trustworthy, it can use insurance with confidence; The product is simple and easy to understand, and can make on-site decisions on whether to buy or not; It is very convenient to purchase a change of defense insurance and go through the procedures without routine physical examination.

Bancassurance is better, but I haven't used it, I don't know much about it, and I think there will be certain risks.

Hello dear, pros; First, it is easy to operateBancassurance products generally do not have high requirements for underwriting, and the purchase procedures are also very simple, as long as the customer goes to the bank counter to fill out the insurance policy, provide a bank passbook (savings card) or transcode, the insurance process can be completed, and the operation is relatively simple. Second, the design of insurance types is simpleBancassurance products usually have standardized terms, insurance liabilities and exclusions are relatively easy to understand, and the design form of insurance types is generally relatively simple. Third, the low cost is different from the personal channel, the insurance company does not need to pay a higher commission for selling insurance through the bank counter, and only needs to pay a small amount of handling fee, which can save a lot of manpower and financial resources.

In addition, the cost of customer development and personnel training of bancassurance is also relatively low. Disadvantages: 1. It is possible to encounter sales misleading If there is no performance indicators and bonus pressure, the bank teller is generally too lazy to pit you, but if the big boss above says to do a good job, the employees below will be involuntarily.

Then we, as consumers, should be extra careful of the misleading sales behavior of bank tellers, after all, technology pyramid schemes are the most deadly. One of the most common cases is that it is an insurance product, and the bank teller can give you a fixed deposit with high interest and capital protection. When you think that it is expired and want to withdraw it, you find that you have bought a long-term insurance, and at this time, you will suffer a lot of unnecessary losses when you surrender the policy.

2. Exaggerating the benefits of the product and concealing the actual situationThe policy income of some products looks very powerful, 5% or even higher in a year, but in fact it is only the expected return. If the insurance company invests unfavorably, you may only have to protect the capital for a year, and some bank staff deliberately avoid this issue when selling it, replacing it with an unrealistic promise. In the above two situations, Niu reminds everyone to take a clear look when buying the product, and find that it is not right, and timely surrender of the policy within the 15-day hesitation period is 0 loss.

Hello! We will be happy to answer your questions. For your questions, here are the answers:

1. As a bancassurance, it is most important to put yourself in the right position. Second, generally speaking, you are unlikely to encounter bank robbers, so Shenna has a lot of idle time, so you should use this time to help bank colleagues, running the banquet without running errands and hands, so that especially female employees like it very much. 3. For the sake of the bank, when it is busy, it is also shared for them, such as:

Explain to customers, help keep customers in line, do what you can, and understand banking. 4. Be nice to everyone, joke more, and often tell jokes. If you can do the above points, you must be a bancassurance staff who can eat very well.

I hope my answer can help you and have a great day! Thank you!

Summary. Hello, glad to answer for you! To be an excellent bancassurance customer, the goal determines success or failure, and the goal must be clear and firm.

The account manager is a grassroots business unit of a bank, but the president is you, the salesperson is you, and the office director is still you. Once you're in a bank, they usually don't assign you customers, no one tells you which customers to market, it's up to you to decide. It's like leading troops to fight, you have to command yourself to fight, find your own direction, and lay down the country for yourself.

The Internet gives every banker an equal opportunity to carry out social marketing with the help of new means such as VX, Toutiao, and Douyin, so that the area where they expand their customers no longer has boundaries. You need to choose an industry that determines xing and expands deeply.

Hello, glad to answer for you! To be an excellent bancassurance customer, the goal determines success or failure, and the goal must be clear and firm. The account manager is a grassroots business unit of a bank, but the president is you, the salesperson is you, and the office director is still you.

Once you're in a bank, they usually don't assign you customers, no one tells you which customers to market, it's up to you to decide. It's like leading troops to fight, you have to command yourself to fight, find your own direction, and lay down the country for yourself. The Internet gives every banker in Yuzhen an equal opportunity to carry out social marketing with the help of new means such as VX, Toutiao, and Douyin, so that the area of their customers is no longer large.

You need to choose an industry that determines xing and expands in depth.

In the familiar industry, this noise has a good sense of disturbance, usually after getting the customer report, the basic judgment can be approved, how to design the plan. No matter how slow you send an industry, you won't be hungry, as long as you study thoroughly.

Second, credit resources determine that there must be enough resources to expand the business, just like a soldier fighting a war, he has qiang and a son in his hand, and a soldier must grab more children. The valuable resource to the customer is credit, and the account manager should be ordered to do the credit business, which directly determines your performance. Loans, bank acceptance bills, bill discounts, letters of credit, etc. have to be fought for, and the more resources you compete for, the better your performance will be, which is absolutely proportional.

Bank credit resources are very limited, usually more at the beginning of the year and less at the end of the year. There is no regular arrangement for the distribution of credit resources by the branch, and the branch agrees to use it as long as the account manager works quickly. The account manager must try his best to compete for credit resources as soon as possible, and persuade the customer to activate the quota as soon as possible once the project is approved.

In commercial banks, there are many account managers, limited credit resources, more monks and less porridge, you have to learn to compete, the old Chinese saying "crying children have milk to drink", the next sentence I think should be "children with milk grow fast". In the bank, only ask about the result, not the process.