Some relatives sell insurance, which is annoying. How to deal with it?

There is a concern that your relatives sell insurance.

On holidays, on holidays, the most feared thing is that the relatives selling insurance are standing at the door laughing, and you can only smile on your face and scold your mother.

Relatives sell insurance to their homes, but they can't hide it, and they can't hide their faces and refuse. They don't want to buy insurance yet.

This is simply a kind of torture for people with thin skin.

How to go back with dignity and grace,

It won't hurt the kindness of relatives, and it can also tighten our small wallets.

This article can give you a reference.

The following plot is pure fiction,

If there are similarities, it is simply because the boss's life is too rich.

That summer, I was still that teenager, with my legs crossed and a popsicle in my mouth, watching Youth with You Without Me on TV.

I only heard a knock at the door, which interrupted my thoughts.

When I opened the door, I saw a distant relative with a big smile on his face and fruit in his hand, which I didn't see several times a year.

A middle-aged woman who claimed to be my second aunt smiled and said that she wanted to find my mother.

I welcomed my relatives in, exchanged greetings several times, and finally got the insurance.

I glanced at my mother,

Obviously, I saw in her eyes one point of resistance, two points of calmness, three points of panic and four points of impatience.

The battle is about to begin.

I sat down beside my mother calmly,

Just listen to my second aunt.

"Well, you said this person is really fickle now.

Let's say that Lao Zhang in our village just diagnosed lung cancer last year.

My son has sold his house and is still borrowing money everywhere.

Lying at home without saying anything can cure me, alas ~ I feel distressed.

People who get sick here are silently moved, that is, former CCTV host X Yong said no, no.

Now we are all only children, and our nephew is handsome. What if anything happens to him?

I don't know. Have you bought insurance?

Your second aunt recently represented a kind of insurance, life in the universe and happiness in the universe.

Great big companies,

Everything can be insured, with comprehensive risk coverage, worry-free and practical.

People must buy more insurance in this life, which is for their own good luck.

What do you say, nephew? "

Wrong, "996" is a blessing, "669" is a blessing, and "buying insurance" has become a blessing?

One world, one set of PUA?

Big companies, even the words are carved in the same mold.

At this time, we should turn passivity into initiative and take the initiative.

If you recite words so well, it will be interesting to see if your major is hard enough.

How to go back gracefully:

"Second aunt, what you said is especially right.

I am also planning to buy insurance recently. I don't understand something, please explain it to me. "

"Oh, by the way, my second aunt, some time ago, the physical examination found small nodules in the lungs (I can't buy serious illness products at ordinary times, so I will end the topic directly). I don't know if I can buy the cosmic blessing you said. "

"Oh, second aunt, it doesn't matter if you can't buy it.

But I heard that in my case, insurance companies have tax-excellent health insurance and can also offset taxes. (Tax-excellent health insurance usually has a low profit, and insurance companies generally do not actively recommend it. ) Do you know? "

"By the way, Second Aunt, what is the cash value and what is the predetermined interest rate? What is the relationship between the two?"

"Insurance white, I don't know anything. Please explain it to us. "

A place to attack each other.

A wave of three consecutive questions directly disrupted the enemy's position.

This wave of questioning told her that the current family is not easy to mess with.

Those who are smart enough to retreat early;

If you don't know enough, you must weigh your own level and chew this hard bone.

After listening to my question mark three times,

My second aunt's face changed from ruddy to livid.

That's the face, grinning:

"You see my nephew, that's really something. After all, he went to a famous university.

Your question will be sent to our supervisor on WeChat later. "

Then I gave my mother a thumbs-up sign. "This boy is really amazing."

"Since we talked about insurance, my second aunt recommended a good one for you. You can be cured if you are sick. If you are not sick, you can get a refund.

After 30 years, all the money will come back, which is equivalent to not spending money on insurance. "

As soon as I heard my second aunt say products, I understood. Isn't it the "reply" in our old letters?

The logic of such products is as follows:

The insurance company caught the consumer. "If I don't have an accident, won't the insurance money be paid in vain?" This idea,

An insurance introduction.

The price of return insurance is several times more expensive than that of no return.

Its premium is divided into two parts: the guarantee part and the value-added part.

The so-called return is nothing more than the insurance holding this value-added part, decades of interest, and finally returning the depreciated principal to you.

In fact, the value-added part may earn back several times the premium for investment and wealth management.

Money has time value.

The so-called refund, 1 10,000 yuan 30 years ago and 1 10,000 yuan 30 years later, can it be the same?

How to go back gracefully:

"Second aunt, tell you an anecdote.

Two years ago, my mother went to the supermarket and saw a lottery ticket.

The rule is this:

Pay 1000 yuan, win a mobile phone with a value of 4999, but don't get a shopping voucher with a value of 1000 yuan.

My mother thought it was good and didn't lose money, so she spent this 1000.

As a result, my mother was lucky that day, got the mobile phone and came back happily.

I felt something was wrong when I came back. I helped her look at the price of this mobile phone online, and it was only 499 after a search.

I was so angry that my mother didn't eat for three days.

Do you think my mother is stupid?

Then you recommend this insurance to me, 1.5 million per year.

I looked at it on the internet. Why do you want 5000 if you don't return it? "

This is an innuendo,

Being positive is not good, but it is easy to be quick-sighted when you are positive.

Why don't we beat around the bush and use an example to illustrate the mystery?

Return insurance,

High premium, poor responsibility, basically buy a pit.

You can read this article:

Today, I took off my underwear and brought the return insurance.

This product has poor supporting ability and low supporting value, much like this routine in this shopping mall.

I still earned the refund premium with my own money, and I can refund 1000 yuan coupons without going to your place to spend money.

If you are out of danger, you will make more money. After all, you have paid a lot more premium than others, and the amount of insurance is still the same.

It's like winning a 499 cell phone. Shopping malls are more fun.

This product will not lose money, but will lose more.

Insurance companies get more income difference, agents get more commission,

It is always our common people who suffer.

My second aunt's face is getting worse,

"How do you talk this child? Liar lied to your mother, can I lie to you?

Can regression and non-regression be compared? Our insurance is very expensive.

Like our additional cosmic life medical insurance, it will be reimbursed when you are sick.

We can reimburse social security, and we can also reimburse social security that cannot be reimbursed.

Excluding social security reimbursement and deductibles, the maximum reimbursement can be 654.38+00,000 yuan, which is only increased by several hundred yuan every year. "

My mother interrupted me: "This insurance is quite good. Can I buy it separately? "

The second aunt proudly said, "It is not easy to buy this insurance alone. You have to buy it with our cosmic life critical illness insurance. "

I'm shallow, but I'm already sneering inside.

Because as far as I know, all products can basically be purchased separately.

How to go back gracefully:

"Second aunt, I have no other meaning.

But I still have a question.

Do you think this kind of insurance is a million medical insurance sold by X Fu Bao and X letter?

I want this, only a few hundred dollars a year.

I haven't heard what to buy with it.

Then I heard that what you said was binding, and it seemed that you were named by the supervisor.

Is it true?/You don't say. /You don't say. "

This one-handed snake has grown to seven inches.

Although there are many fancy flowers,

Grasping the key to the problem can make people speechless in an instant.

Millions of medical insurance and accident insurance are products with low unit price, and the sales staff can get a very low commission and are unwilling to sell them separately.

So I lied to consumers that I couldn't buy it alone.

Engage in bundling and tying.

But in fact, this kind of behavior has long been named by the China Banking Regulatory Commission.

Therefore, for this kind of remarks, we should be "innocent" and convey two key points:

Aren't you talking about millions of ordinary medical insurance?

Bundle sales are not in compliance.

My second aunt was even more unhappy after listening to my words.

"I didn't say that,

Can it pay for the online insurance you mentioned?

How dare you children buy things online?

My daughter bought apples at X Toto last year, but they were all rotten.

I want to say, online, even if you sell insurance, do you dare to buy it?

Who depends on safety? Who does the claim depend on?

You bought it from your second aunt, and you will be there when you need to make a claim. "

I patiently watched my aunt's blushing and anger at Internet insurance.

Shook his head,

The competition in the insurance industry is fierce, and competitors like to use some strange metaphors to muddy the water.

But it works. People can't talk to me.

Whether insurance pays or not depends mainly on the contract, but it can't be said that you won't pay if you don't pay.

How to go back gracefully:

"Second aunt, the Internet is just one of the insurance sales channels.

You must sign a contract,

Online insurance also has a policy. Isn't it illegal to compensate for non-compliance with the terms?

Buying insurance online is really different from buying a mobile phone to buy food. You bought the entire regulatory system.

It is something that regulators can nod, and it has gradually emerged in recent years. Doesn't mean you don't pay.

And now Internet insurance claims are more convenient and faster than offline.

Many small items are applied in the morning and arrive in the afternoon.

Auntie, I heard that the insurance industry is difficult to cure.

Is the performance pressure high at ordinary times?

It's hard to say how many years you can stay in this industry with such hard work every day. "

It is true that the insurance company's terms will definitely pay for it.

This can be seen from the claim rate:

The insurance we buy is essentially a contract with an insurance company.

As for the protection content and settlement agreement, it was determined in the form of legal contract from the moment it was signed.

In line with the terms, the insurance company dare not lose money, not in line with the terms, it is useless for your second aunt to be a director of the insurance company.

But in case the other party is a rogue, it is not good to argue too much if you insist on not paying compensation.

Just poke the pain directly.

Moreover, as a highly mobile industry, few insurance agents can work for more than ten or twenty years.

Once you need to make a claim, you still have to dock directly with the insurance company.

It's hard to say that my promise of what I can do for you can last for years, months or days.

Two aunts flushed, and his face is not very good, staring at me and said:

"You child, are you stupid to read?

Anyone will lie to you. Will your second aunt lie to you?

When you were young, my second aunt hugged you.

When I grow up and my wings are hard, I won't recognize your second aunt.

Second aunt is also good for your mother,

You earn so much money in Shanghai a year, what's wrong with spending tens of thousands of dollars to buy insurance for your mother?

Your mother raised you so big, you should be filial. "

I know my second aunt has nothing to say, and she is going to start moral kidnapping.

At this time, we must stabilize the second aunt.

In case my mother considers the mutual affection of relatives and buys insurance, she may still be angry with me.

How to go back gracefully:

"Second aunt, I can understand your mood. I also read about your kindness to me.

But I think buying insurance should be a matter of love and desire.

If there are good insurance products, I will also take the initiative to buy them for my mother.

I know your product, it is very good, but it is not really unnecessary in our family.

It's not easy for me to earn this 10 thousand. I know you feel sorry for me, too, second aunt.

Tell you what, second aunt. I wonder if you have car insurance there.

My auto insurance will expire soon, so I'll buy it from you. "

Since the second aunt is a moral kidnapping, we should also be emotional and rational.

Tell her it's not that she is reluctant to buy it, but that she really doesn't need this product.

And then deal with him as he deals with you,

If you insist that I buy it, then you just don't feel bad for me!

And if you have a car and a house at home, you can buy auto insurance or home property insurance.

This kind of insurance is sensitive to spot damage, and there is little difference between online and offline premiums, so it can be purchased from relatives.

Take a step back and seek a safe family.

The tug-of-war between my second aunt and me is over,

Maybe you can still see the shadow of your life in it.

At present, the recruitment threshold of many salespeople is very low.

Even many aunts and grandmothers who are idle at home but unwilling to be lonely can enter.

I just hope that TAs can use their own waste heat to sell insurance to relatives and friends.

Faced with the "kindness" of relatives and friends who sell insurance,

If reasonable, you can take care of the performance of your relatives and friends within your own ability and needs.

But friends and relatives can't say anything, just let you buy it, so be alert.

It's either expensive, or it may be bought without compensation, or both.

The only principle that needs to be adhered to is that buying insurance needs to proceed from its own actual situation.

Don't be kidnapped by morality, choose according to your needs.

Communicate your insurance needs with your relatives.

Generally speaking, according to my experience,

It is most useful to cry that you have XX disease.

Usually I don't pester you to buy it,

The premise is that this relative has some conscience and professional knowledge.

If it still bothers you,

That's because you are determined to eat and cut leeks.

Then it is necessary to consider the discomfort of relatives.

China people value human feelings most, but the most difficult thing is human feelings.

This is my little suggestion.

Above.

More insurance configurations, welcome to pay attention to big money, and save half the money by buying insurance.