"Are you interested in buying a Ping An Fu insurance? I am from xx Insurance Company. Recently we are doing a campaign and the premium has been reduced by 15%. Can I spare you a little time and introduce it to you? ”

Every year at the end of the year, many people will receive insurance sales calls like this, making it difficult to tell the truth from the fake.

Indeed, telephone sales are also a major sales method in the insurance industry. However, if you describe complex insurance products and insurance terms in just a few minutes over the phone, you may indeed fall into some traps. .

A friend of mine once bought a refundable accident insurance that was not suitable for him through telephone sales. The insured amount was 200,000 yuan, and the monthly payment was more than 500 yuan. It promises to return 110% of the premiums paid after one year of continuous payment, which seems quite cost-effective at first glance. But calculated on a yearly basis, it is almost 7,000 yuan.

However, the insured amount is only 200,000! What a trap! Because the premium for most similar insured amounts on the market is about 300 yuan per year.

For a young man who has just graduated a year or two ago, 7,000 yuan a year is not a small burden.

Of course, Yinyi does not mean that this insurance is not suitable for everyone, because there are many customers who like return-type products. But everyone should also understand that the income of many financial insurances is not fixed, but only has a general income range, which means that after one year, you may not get the amount of income you imagined.

So, what attitude should we adopt towards phone insurance? How to buy phone insurance so as not to fall into its trap?

First of all, Yinyi would like to remind insurance newbies to stay awake when receiving calls to sell insurance, and not to be distracted by some so-called "activities", "discounts" and "internal recommendations" I lost my mind and thought that I must not miss such a good opportunity and hastily purchased an insurance that was not suitable for me.

Secondly, for insurance products that you are not sure whether you need to buy, you must clearly express your negative intention, do not give any affirmative reply, and do not have a fluke mentality of buying it first and then returning it if it fails.

Because once you express that you want to buy, it is a legal purchase if there is a clear reply. According to the regulations of the Electronic Signature Law, qualified telephone recordings can be regarded as a written form that meets the requirements of laws and regulations, and can also be used as a way to conclude a contract.

In addition, Yinyi also hopes that when purchasing phone insurance, you must thoroughly inquire about what you want to know, and ask if you have any questions. This will also help you better understand the situation. Understand whether this insurance is suitable, because the insurance person on the other end of the phone may not know your family situation, income, budget, etc. They can only sell you blindly, which makes it easier to cause many problems.

Having said so many disadvantages of phone insurance, are there no advantages?

Of course there are. For example, phone insurance can be paid monthly and can be terminated at any time. It is more suitable for some "moonlight" young people, so that they do not have to pay the entire year's fees at once. Moreover, many phone insurances can be bound to credit card deductions, eliminating the need to go to the insurance company in person to renew. This also solves the problem of forgetting to pay and causing the insurance to expire.

Whether it is telephone insurance or offline insurance, everyone must carefully screen it. A good insurance is not because the product itself is good, but because it is the best for you.

Electronic insurance sales, choose carefully

Trick 1: The "product suspension" gimmick has been tried many times

According to a person from the Insurance Industry Association of a certain city, insurance companies e-mail The sales center's promotional methods often use the excuse that the product is about to be discontinued. "Don't miss the opportunity, it will never come back" has become a tried-and-tested magic weapon for telemarketers. In the course of operations, insurance companies will normally stop selling some types of insurance, such as taking the initiative to stop products with high compensation rates that put great pressure on profits and even cause losses for insurance companies. Another example is that the regulatory authorities believe that there are problems with the design of a certain product, that the operating risks of insurance companies are too high, or that it has no substantial effect on policyholders, so they formulate rules to redefine insurance types.

However, some telemarketers wantonly "build momentum" and sell products that are about to (or may not) be discontinued as "flash sale products", causing consumers to ignore their own needs and buy blindly.

According to the "Measures for the Administration of Insurance Clauses and Premium Rates of Personal Insurance Companies" promulgated by the China Insurance Regulatory Commission in January 2012, if an insurance company decides to stop using insurance clauses and premium rates in some areas, it shall not use this as an excuse. By conducting propaganda and sales misleading. Consumers must keep their ears open and beware of e-sellers targeting the public’s “buy-hate” mentality and inducing them to sell in the name of “suspension.”

Mao Trick 2: The concept of "upgrade and update" emerges in endlessly

According to industry insiders, some telemarketers induce customers to surrender the original policy and then take out a new policy. This is a common practice in traditional channels. "Tricks" are now beginning to spread to telemarketing. In life, most insurance surrender situations occur when the policyholder encounters an unexpected financial situation and is unable to renew the premium, so he has to terminate the contract relationship with the insurance company. Or, some consumers blindly purchased insurance but later regretted it and applied to cancel the policy. Once this happens, in order to achieve performance, salespeople often encourage customers to cancel their existing policies and then buy new ones, ultimately causing unnecessary losses to policyholders.

As we all know, buying insurance is a complicated process, and insurance terminology is highly professional and insurance contract terms are complicated and difficult to understand. You need to understand what benefits you can enjoy and what protections you can get after purchasing. In other words, the main factor in deciding whether to buy insurance or not should be personal protection needs. If you are misled by telemarketers or agents and blindly return an old policy for a new one, you will not only add a new policy that is not suitable for you, but you will also suffer double losses by surrendering the old policy.

Trick No. 3: “Exaggerating earnings” and blurring industry regulations

In insurance complaint cases, many insurance companies’ telesales staff have exaggerated product earnings, blurred industry-related regulations, and used banks to The misleading behavior of selling insurance in the name of financial products and other products. Some people even do not mention insurance at all when selling via phone. They simply advertise that the product has a yield of 8% and use rhetoric such as "saving money and earning higher interest rates than banks."

A notice issued by the China Insurance Regulatory Commission last year showed that in the first half of last year, among the complaints about suspected violations of laws and regulations in personal insurance, there were 1,860 cases of various sales violations, accounting for more than 97% of the complaints, mainly manifested in exaggerating the income of insurance products , misinterpreting insurance terms, confusing the concepts of insurance and bank financial management and savings, etc. It can be seen that the various violations of telemarketers reported by the China Insurance Regulatory Commission are also old habits of some insurance companies that "continue to persist" and "extend" from face-to-face sales to the field of telephone sales.

In this case, the majority of consumers should be more vigilant and keep a clear understanding of the risks of insurance. If they credulously believe the salesperson to equate insurance with bank financial products, or simply compare the yields of the two, or compare high Making a verbal promise of dividend income can be said to have left a "foreshadowing" for future disputes. After all, when telemarketers introduce products, consumers not only cannot see detailed written information, but also cannot see legally binding contracts, so it is easy to rashly purchase insurance and fall into a "trap."

Industry insiders remind that in view of the continuous innovation of insurance products, in addition to traditional protection products, more and more investment products are becoming available. In this regard, if you receive a call from a salesperson, if there is a potential need for insurance , consumers should understand the nature of the product in detail based on the actual situation, and distinguish whether it is a bank financial product or an insurance product, or they can also ask the other party to compare the pros and cons of different investment insurance types. If the telesales staff cannot give a more reasonable answer in these aspects , but just blindly talk about a certain product of their insurance company, consumers should remain rational and cautious. A more prudent method is: end the call politely, hang up, and then go directly to the insurance company's branch to inquire about insurance matters, wait until all Make a decision after understanding the details of the insurance contract