What are the routines of the insurance industry? You ve seen what the insurance routines are

Routine:

1. Recruit a large number of customers.

The first person recruited by the insurance company is not an internal employee of the company.

After the insurance company recruits a large number of ** people, it is followed by intensive training.

The essence of people is the repeater", through intensive training, most of the best people have a sense of identity with their own products, and they are naturally willing to buy insurance, and under the pressure of "sincerity" or performance, recommend it to relatives and friends around them.

2. Insurance can really "deceive" people.

Although the essence of insurance is a contract written in black and white, most people are "deceived" because they do not see the insurance contract clearly.

However, insurance has a certain degree of professionalism, and some insurance companies take advantage of information asymmetry to exploit loopholes in product design.

3. Create the illusion that it makes sense.

Generally speaking, the products of large insurance companies are relatively high, and the salesman will tell you that insurance is expensive.

Daddy is not averse to saying that a company is well-run, has a better customer experience, and has a certain brand premium. However, some products are more than half as high as those with the same guarantee, which is excessive.

4. All kinds of customer appreciation meetings and financial management meetings.

Insurance companies often hold customer appreciation meetings, wealth management meetings, and so on. When you are invited, you will have a meal and everyone will have fun.

If you go, it's a two-hour product briefing. In the sales atmosphere deliberately created on the spot, it is easy to make impulsive purchases.

In this era, everyone is not short of food and drink, so don't join in this kind of fake excitement.

5. Moral kidnapping.

"Love and responsibility" is the starting point for most people to buy insurance.

But some insurance salespeople will use this as a moral kidnapping: buy an education fund for your child, which is the money of one or two bags, you won't love bags more than your children's future, right?

Insurance is just a financial tool to protect against risk, either through insurance or through other means. Moral kidnapping is very unpopular.

"Sick claims, no sick return premiums" routine

Most people should have thought about this problem, that is, they paid the premium to buy insurance, if there is nothing to do, then the premium will not be paid in vain? I can't draw it when I think about it. As a result, the return-type insurance was launched, which has the reputation of "sick claims, non-sick return premiums".

Specifically, in the event of an accident or illness, you can get a claim; If there is no accident or illness, a certain percentage of the premium will be "refunded" when it is due. It sounds very good, but if you really buy it, you're done!

Return-type insurance has these pitfalls:

1) In order to attract policyholders, the higher premium-return insurance will use "return" as a selling point, but it will start withSide: Increase premiums and reduce protection costs。Generally speaking, the premium of a return-based plan is much higher than that of a pure protection plan.

2) Guaranteed less return insuranceThere are few protection items, maybe only a few or a dozen.

3) If the return income is low and there is no insurance, a certain percentage of the premium will be returned at maturity, but the return of the premium yield is actually very low, and after decades of "rolling profits", there has even been a depreciation. It can be seen from thisReturn-based insurance is very cost-effective, there is no comprehensive protection, and there is no considerable benefit, so it is best not to touch it.