In our country:
The agent sales model should be the main sales model:
At present, most of the insurance designed for the main sales methods in sales can meet or meet the needs of customers:
When consulting and handling, please check the identity of the insurance agent first, for example, directly call the insurance company's unified service hotline 95***, and enter the agent's job number for confirmation.
Step 2: According to your occupation, age, family situation, family history, income/expenditure, existing security, etc. , the agent will formulate the corresponding protection plan and financial plan for the customer.
Step 3: Confirm the product, and the salesman or agent will design the corresponding expected income plan for the customer, including the responsibility of the insurance company.
Step 4: Sign the bill. The customer shall provide the corresponding ID card materials and the payee's identification materials, and pay by transfer through on-site credit card or bank card or passbook (such as signing a personal settlement account of the postal savings office). Now there is no problem for salesmen to accept cash and remittance. For high-value insurance documents or high-investment insurance documents, it is necessary to provide personal valid income certificates, medical certificates and other materials. After filling in the information for the customer, the customer prints it and signs it.
Step 5: The customer waits for the company to call back for confirmation. At the same time, the customer signs the insurance contract and the insurance is completed.
Before 1988, employees of state-owned enterprises were promoted and customers pollinated themselves. Payment method: cash payment.
Around 1992, Ping An Company introduced a foreign insurance sales model-agency sales plan. The insurance company signed an agency sales contract with the insurance agent, and the insurance agent "salesman" officially sold the insurance. At this point, it begins: counter sales+agent sales model.
Later, insurance sales have successively opened up sales models such as bank agent sales, intra-bank insurance agent sales, telephone sales and Internet sales, but different sales models are aimed at different customer groups. The signing order is also different.
Unsigned sales process: telemarketing: usually in sales promotion, there are telephone recordings. As long as the customer answers with affirmative words such as "yes", "yes" and "know", whether you are modest or prevaricated, or because of busy work or the environment at that time, the insurance company will basically give the final answer that the customer agrees to insure. Therefore, customers should give more consideration when choosing this kind of insurance. Basically, a few words decide one thing. It should be sloppy. However, this kind of insurance basically sells accident insurance or old-age security with simple responsibility, with very simple responsibility and relatively low cost. The payment method is monthly payment, which is directly deducted from the bank account or card number provided by the customer.
Insurance sales requiring customer's signature:
A relatively junk sales plan: bank insurance products: usually, when customers save money, bank employees or insurance agents (non-bank employees) will promote "wealth management" products to customers who are ready to save money. Talking to customers is usually simple, and the focus is on providing insurance or being more formal than banks. Most of them only ask customers how many years they are going to deposit, and they will lose their principal if they don't remind them to withdraw before that. Some customers will lose their principal due to early withdrawal, which leads many customers to distrust "insurance".
When applying for insurance, customers basically can't see the proposal, and the guarantee is old-age security, mainly accident insurance. Now the payment is mainly bank transfer.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.