What is insurance? Why do many people in China hate insurance?

Insurance is a kind of protection for people, and there are many kinds. People hate insurance because sales are misleading.

This is a very popular video in Tik Tok. Mr. Li's mother bought an old-age pension insurance 10 years ago. When buying insurance, the salesman said: This insurance can provide for the aged, and you can get it directly after retirement, so you don't have to worry about money. In the past ten years, Mr. Li's mother has paid a total of 6 1 150 yuan. At this time, she wants to surrender, but she can only get back 58,000 yuan. According to the original plan, the surrender income at this time should be 6.5438+0.6 million, which is quite different from the salesman's income. Then I found out why. Mr. Li's mother bought a plan with a guarantee amount of 50,000, but the salesman showed the income with a plan with a guarantee amount of 65,438+10,000. This is naked misleading sales.

Facing the insurance company, Mr. Li angrily asked: Is the insurance company raising my mother? Or does my mother support your insurance company? ? So, pay 60 thousand, pay 50 thousand Do you want to buy this insurance? According to the data of Oliver Wyman Consulting, including life insurance, health insurance and property insurance, it is estimated that the premium scale of China will increase from 4.3 trillion yuan in 20 19 to 8.6 trillion yuan in 2025, with a compound annual growth rate of 12.4%. It is estimated that this scale will reach 4.5 trillion yuan by 2020.

As giant companies in the domestic insurance industry, China Ping An and China Life have performed very well in recent years. According to public data, China Ping An achieved an operating income of 629.956 billion yuan in the first half of 2020, and China Life achieved an operating income of 565.438+03.735 billion yuan in the first half of this year, accounting for half of the industry.

Objectively speaking, although with the popularization of medical insurance in recent years, people have a more comprehensive understanding of the insurance industry, there are still many people in China who are very disgusted with buying insurance, mainly in dealing with insurance personnel.

There is no denying that the role of insurance is indeed enormous, but why do many people in China still hate insurance? It is actually caused by the following reasons.

First of all, the business level of most insurance personnel is insufficient. Among the insurance practitioners, I have met many excellent professionals, which is undeniable. But at the same time, due to the high turnover rate of the insurance industry, the threshold of the insurance industry is generally extremely low. Anyone can become an insurance salesman, including fresh graduates, laid-off workers and square dancers.

In fact, insurance should calculate the most suitable insurance characteristics for the insured according to the economic situation of each insured. However, we can see that many insurance salesmen only remember how to promote sales and transactions after two or three days of training, but they don't remember other knowledge.

Secondly, insurance contracts are often related to insurance salesmen's? Verbal commitment? There is a big difference and it is easy to cause disputes. When signing an insurance contract, few people will study an insurance contract hundreds of pages thick. Ordinary people may not understand it even if they read it carefully, because there are many technical terms in the insurance contract, and ordinary people simply don't know what they mean. Pull out one at random, and your idea will be far away, or it won't hold water at all.

Therefore, people have always been interested in the insurance industry. No money, so no money? Misunderstanding has led to people's aversion to insurance. Finally, there is indeed a gap between China's per capita disposable income and that of developed countries. At present, the depth and density of premium in China are not high. The fundamental reason is that the per capita disposable income is not high, and the mortgage has emptied the wallets of two generations and there is no spare money to buy insurance.