This is a lie. It was sold to your salesman.
For example, ha,
All drugs on the market are supervised by the drug supervision department, so drugs do not deceive people. They lied. They are the people who sell drugs to you.
Today I will boldly play the role of "doctor" and give you a summary of what is misleading in insurance sales.
Misleading sales survey:
The first category: company category;
There is a large company, which is one of the top 500 companies in the world. Buy our big company if you want, but small companies are unreliable.
A: What the consumer bought was the terms of the insurance contract. What's the use of telling consumers how big the company is? Consumers are not here to buy a company, they just want to buy a guarantee quietly.
The second company has a long history and a century-old shop.
Please refer to my first reply for such misleading sales.
The three companies have high claims, fast claims and easy claims.
The company's premium income is high, and the amount of claims is also high, which is directly proportional.
If a company overcharges premiums and pays less, what about your company's target customers? Or is there a problem with claims?
If a family collects less premium but pays more, should consumers consider it more clearly?
As for your company's claim settlement speed, thanks to the contracts of many different insurance companies, the claim settlement speed of each company in China is similar, and the claim settlement limit is written into the contract.
If your product is only 5- 10 days faster than he claims, but the premium is twice as expensive, then whoever buys this bill is a fool.
Well, you will definitely say that your company's claims are very lenient. Isn't this settled according to the terms of the contract? The compensation should be paid, and the unqualified ones should not be paid.
You said it was easier for family members to claim compensation, so someone bought a serious illness of 1 10,000 yuan and circumcised it tomorrow. Can you guarantee to pay 1 ten thousand yuan? If not, what are you bragging about?
Four companies are more profitable and safer.
The company's high profits only make shareholders feel safer. Consumers don't have to look at the faces of insurance company shareholders. It is enough for consumers to have China's insurance law for us.
To sum up, if the salesman talks to you about the size of the company or its long history, you can just unplug it or get up and leave.
Category II: Insurance products.
This kind of insurance will lose money if you get sick (accident) and refund your money if you get sick (pension).
Please remember the old saying, "the wool is on the sheep's upper body." Do you think that actuaries in insurance companies are vegetarians?
We guarantee everything except hair and nails, from head to toe!
This is a typical exaggerated guarantee, boasting too much and being easily hit in the face.
Critical illness insurance only compensates for life-threatening major diseases.
Accident insurance only covers accidental death, disability, etc.
Medical insurance generally does not cover past medical history or congenital diseases.
No insurance company dares to guarantee everything for no reason. If there is, the price is sky-high. You can't afford it either.
Our insurance is expensive because of the approval of the China Insurance Regulatory Commission.
This is also a typical misleading theory.
An An's classic sales language is: Can Otto and Audi be the same?
For the same type of insurance products, when actuaries design products, the initial costs are almost the same.
When the cost of the product comes out, there is another cost to be calculated:
How much money are you going to invest in advertising,
What star should be invited to speak for,
We need to insert some advertisements in that movie.
There is only one reason: to improve the company's profits.
Don't worry about the health notice, fill it all out and vote boldly!
If you really meet such an intermediary, leave immediately, it's a liar, a liar, a liar!
All insurance should be informed by health. If you neglect its importance, you neglect the essence of insurance.
Don't be so professional, Lao Xie will ask you, if you are an insurance company, for a consumer who doesn't fill out the health notice, if the other party insured your home because of illness, and finally if you are a company, will you compensate the consumer?
Our company's annuity earns as much as 6%! Ten years to ensure that your principal doubles!
If you believe such propaganda, it proves that you don't know anything about financial insurance. Since you don't understand, ask more questions.
The third kind of popularization
This insurance will be discontinued soon, so buy it quickly!
Hehe, that's just a trick to urge customers to place orders quickly. I believe you can see through that low-level marketing method, thank you.
Eleven so many people buy it, you can't go wrong!
It is not advisable to follow the trend, and we should retain the ability to think independently. (including reading Lao Xie's article)
Husband 12 doesn't want to buy it, just sign it for him.
If a broker tells you this, you can call the police directly. What is the crime of impersonating a signature? Just Baidu yourself.
Thirteen don't buy insurance on the online platform, it's not reliable!
Whether it is an agent of an insurance company, a counter, a website, a bank channel, a broker or a three-room sales platform, as long as it is a formal sales channel, the purchase contract is legal and effective.
Now some people really think that buying things online is not reliable. This is the progress of society, and only those who can't keep up will have such an idea.
I'm your friend, I won't lie to you!
China is an individual society. When your friends say this, many people can't refute it.
I'll give you a rebate. The insurance you bought is cheap!
This move is the most ruthless! This is the best way for agents to deal with the pressure of performance, and it is also a way to admit that the services they provide are worthless.
But please think about it. If you buy an insurance product that is not suitable for you and is too expensive to cry, they will give you a rebate in the first year, and you feel greedy and cheap. Then, what about the premium in the next ten or twenty years?
Buying insurance is like marrying a wife. Being alive is the most important thing! !