What's the use of the insurance that the company asked you to buy? The salary is not much, and you have to buy insurance. Can you not do it?

There are a lot of junk products in insurance companies now! There are also many liars and salesmen!

Because of the insurance fish begins to stink at the head! Insurance is recruited through pyramid schemes, and now the number of insurance agents in China has reached 7 million, and the number is still growing like a virus! As long as you want to enter the insurance company, you can enter at the threshold of 0, and you can enter if you don't meet the academic requirements! There is a middle-aged aunt and I do insurance together. Because I am old and have a bad memory, I can't recite the insurance content. This kind of unprofessional person can do insurance, because insurance is pyramid selling. The more people below you, the higher the commission you get! Get a commission at the first level! It's a non-violent pyramid scheme! After I went in, it was brainwashing training. I took insurance for three months and stopped doing it. Because it was too dirty, I was cheated by my master! But I am a college student, and I know a lot about products, so I know a lot about products. Be careful when you see what the salesman says below!

If the insurance agent sells your company's insurance, say:

1, xx insurance is our company's best-selling brand product, with the highest sales volume, so it is the most reliable and cost-effective!

Truth: high sales are profitable and high premiums are good for insurance companies and salesmen! Salespeople get the highest commission! The general commission can reach 40-55% of the down payment, and the annual premium 10-20% can be renewed in the next five years. General salespeople will deliberately guide customers to buy such products. You see so many people buy it, so it is the best insurance! Generally, cost-effective insurance has low commission, free of charge, very cheap and will not be sold to you.

2. The China Insurance Regulatory Commission recently issued plans such as "insurance surname protection", "rate reduction" and "rate increase". Xx insurance rate has been lowered, which is cheaper. Buy it quickly! How long will the premium of xx insurance increase? Buy now while it's cheap!

Truth: The change is subtle. It is said that the rate has dropped by one or two hundred yuan after the age of 50, and the impact is minimal. Xx insurance is going to increase in price, because it has been upgraded, and there are more insurance contents (actuaries are playing new tricks and mixing water in another way).

3.xx insurance will be discontinued/restricted/increased. Because the income is too high, it is not good for the company, so buy it quickly! The last few days!

Truth: let customers have a sense of urgency and think that good things can't be bought in the future (insurance is a loss-making consumption, and protection is the main thing. It's too young to make money by insurance! )。 In fact, the salesman shouted to stop selling, and shouted for several months, but he still didn't stop selling. Anyway, customers don't know, so customers are willing to buy!

4.xx insurance is the best, most complete and cheapest product in our company.

Truth: nonsense, xx insurance is the product with the highest income of insurance companies, the highest income of salesmen and the lowest cost performance for customers.

5.xx products are the best things in our company, and both CCTV and People's Daily have advertisements. There's definitely no problem. The country is advocating buying insurance, and it is best to buy insurance in our company.

Truth: The insurance company paid a lot of advertising fees. Can you give these advertising fees more protection to customers?

6. If you buy our insurance, you can have a green channel, and I will give you xx daily necessities. The company invites you to travel, give gifts on holidays and provide many services.

Truth: You bought insurance instead of services. The more gifts you get, the more you owe. If you are embarrassed to do it, buy insurance.

7.xx celebrities/rich people bought xx million insurance and said "Insurance xx is good". You see, authorities have said so, and you should buy more insurance!

Truth: Rumor, xx celebrities have never said this, nor have they bought xx million insurance, so there is no way to verify it. Take advantage of people's herd mentality.

8, xx insurance, you take risks, pay you a lot of money, don't take risks, pay it back later, be a pension, be euthanized, and leave the money to future generations. You see, such good insurance can be refunded in the future, and your premium can be refunded. What are you dissatisfied with?

Truth: When it comes to return, it will be decades later, and decades of interest is not a small amount, and the insurance company took it away in vain! What's more, what has become after decades of depreciation? How much should medical expenses increase? It is still a question whether it is enough to see a doctor!

9. When you were lying in a hospital bed or had an accident, you regretted not buying insurance before. Now that you are in good health, you will get sick when you are old. Insurance will be used sooner or later. Don't regret saving a little money.

Truth: I'm talking about accidents and serious illnesses, but once I calculate the money, it's too expensive for me to buy! So I immediately changed my mind and gave you a dividend insurance. The insured amount is only tens of thousands, but it costs two or three thousand dollars, and hundreds of dollars every year. The interest rate is not as high as that of the bank, which is basically equal to buying for nothing. Some people can pay 6,000 to 7,000 yuan a year for 20 to 30 years in a row and 200,000 yuan a year. As a result, you said that you had to use it sooner or later when you were old and seriously ill. I might as well give you 300 thousand. Decades have passed, and I don't even know the interest of 300 thousand! Remember that the role of insurance is leverage. Without leverage, insurance is meaningless!

10: You all say that insurance is a lie. That was before, insurance salesmen were not professional enough, with low academic qualifications and low quality, and the insurance system was not perfect. But it's different now. Training is becoming more and more professional. The CIRC has policies such as "National Ten Articles", and the state is supporting the insurance industry. Insurance products will get better and better. You can buy them with confidence and won't cheat you.

Truth: In the past, the number of insurance salesmen was small, and the insurance industry was just starting, so it was not trusted. In addition, insurance is mainly for consumers. If money is lost, it can't be recovered. If nothing happens, throw it away in vain, and there are more loopholes. Therefore, being called insurance is deceptive. But this year, the number of insurance agents has soared to 7 million, which means that anyone who wants to sell insurance can let you in, because the agent has no basic salary and can't get a penny without invoicing. They have a basic salary only by billing, which is better than the irresponsible basic salary of other sales industries. 7 million people sell insurance, and there are many liars. I don't care as long as I can pay the bill. Because I can't get a penny without invoicing, there is no need to tell the truth to customers, so all kinds of scammers lure customers to buy insurance. Doing business by selling insurance is unstable, so it is as unstable as pyramid selling. If your own person makes the bill, you will get a commission. Isn't that a commission for pyramid schemes? So after taking Xiaobai into insurance, I brainwashed him, asked him to buy insurance for himself and his relatives and friends, and when the acquaintances were finished, he found strangers, who wanted to cultivate relationships, so the trick of 10 above began. If there is no list, they will leave. After a long time, Xiao Bai came to work in an insurance company. Not only did he not make any money, but he also paid for insurance himself and became a customer who bought insurance. Because of the performance appraisal requirements, Xiaobai's master would let Xiaobai buy insurance himself, but after being brainwashed by the insurance training teacher, he didn't know about insurance products at first, thinking that he was good at insurance, so he bought insurance. The author is also such a victim. This is no different from pyramid selling, just let you buy insurance willingly! After Xiao Bai was useless, he was censored and fired. Therefore, in 365, there were insurance agents in the talent market every day, euphemistically called: recruiting reserve managers, senior directors, financial consultants, after-sales service of insurance policies, and community service. In fact, the recruiter is not from the personnel department at all. That is, rich agents accept their own apprentices and pull people's heads under the banner of recruitment by insurance companies. What a shame! Now insurance products, under the banner of return, continue to deceive people! People who have never heard of it before are now ignorant!

The following is an analysis of most insurance products now:

Return insurance is a misunderstanding. Insurance covers uncertain events, while return insurance covers inevitable events.

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There are two types of return: life and death old-age security and dividend-paying type.

In old-age security or old-age insurance, if you are born or die of natural causes, you must pay the money, turning what you don't need to pay into an event that must be paid. The insurance company aims at making profits and will not be so kind as to refund your money. In this way, it is bound to charge extra fees, but the return of this extra fee has lost the meaning of insurance, and the customer has paid the money for nothing! However, this kind of guaranteed non-financial insurance is mandatory to cover the amount of death. If you want to buy uncertain critical illness insurance, accident insurance and minor medical care, you must first buy death insurance, and death is inevitable for a person, and it is an inevitable event to lose money from old age. This is not a hedge, but a return to death. Many products of insurance companies are compulsory price insurance for the elderly, so they are not allowed to buy, nor are they allowed to buy serious illness, accidents and minor medical care. Generally this kind of insurance is very expensive.

The coverage of dividend insurance is very low. Paying one-year premium is only equivalent to the insured amount, or even less than one-year premium. Do not play the role of insurance at all, focus on financial management. If you want to manage money, finding 4%-5% wealth management products is definitely more profitable than buying insurance wealth management. Most dividend insurance is not even as high as the bank's regular financial management interest. Therefore, dividend insurance is not as good as guaranteed insurance, but it is cheaper than guaranteed insurance, but the amount of insurance is very low. When the customer can't afford guaranteed insurance, the insurance agent will recommend dividend insurance according to the premium that the customer can afford. This is very unkind!

Return insurance is many times more expensive than consumer insurance. Consumer insurance is cheap, and agents get little commission. If all the business is consumer insurance, the agent will get a low salary and basically earn a lot of money. However, if an insurance agent wants to realize rewards such as diamonds, it will generally be counted as non-consumer insurance. No matter how much consumer insurance is sold, it is not a reward. Because the return insurance premium is high and the company's income is high, it is willing to pay them.

The extra money can be used by insurance companies to raise funds and promise to pay you back later. This part of Qian Qi can't play the role of insurance and will depreciate in the future.

Consumer insurance is to throw away the money and not get out of danger. This is the original state of insurance. Later, because the customer didn't accept this way, he was afraid of throwing money away for nothing, and the insurance company didn't make much money, so he wanted to return the insurance. Customers paid more money, and insurance companies raised more money. In the past, consumer insurance companies could only get part of the management fee, but now they can return it, and the company can take it with interest.

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Therefore, pure consumption is the most cost-effective, which is called returning to nature!

Consumers are divided into two categories: one-year payment 1 year, lifelong or elderly payment 10-20 years. Because the water is returned, the premium will be much lower, and you can buy a serious illness insurance for your baby. If you are afraid of minor illness, many insurance companies have card business, and the one that pays one year is most suitable for you, which is cheap and has little profit. Generally, it is a promotional product of insurance companies, so it is cost-effective!

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.