I bought a lot of insurance.

First, I can see that you are really insurance-conscious. In fact, you should know that insurance does not care much, but depends on the completeness of insurance. Our feedback plan has brought you a lot, and it has always been attached to our lives, including all kinds of accidental deaths, such as 1-7 disability, third-degree burns and so on. You say what a few dollars can do, but if you deposit it here, in case of risk, we will take other people's money to see a doctor, so that we can accumulate our own money and kill two birds with one stone. Our old customers all think this activity is good, because after 15, we can take back the money as a supplement for the aged, and secondly, we will not let you save it in vain, give you a fixed income of 5%, and finally give you an all-round accident protection, which is equal to. We also handled it for you online like other old customers, okay?

Second, you are really professional in insurance. In fact, with people's living standards getting higher and higher, the awareness of protection is getting stronger and stronger. Most of our customers have a lot of insurance, and everyone usually has the habit of saving money. The difference is that while saving money, they also have protection. Moreover, this plan will not conflict with the insurance you bought before, and you can make repeated claims, which is a very good supplement, because most accident insurance in the world protects your health. We cover death, 1-7 disability, third-degree burns, etc. , closely related to life, guaranteed to 15. Such a good plan is also to apply for one for you online. No money?

First of all, sir/madam, you are too modest. You can only enjoy this feedback activity as our high-quality customer. This activity is not for you to spend money. Just accumulate a little money that is easy to spend at ordinary times, and provide a comprehensive accident protection at the same time. You know, accidents don't pick the rich and the poor. If you encounter it, you will have to take money from our family to see a doctor. This is a hard life. No one wants to spend their savings for many years in the hospital. We participated in this security plan, which is not only a peace of mind for ourselves, but also a guarantee for family wealth. The customers we served were very satisfied, and they all came. Then Xiao Li also made you a copy online. Well, that's very kind of you, but think about it. Now we are under great pressure to get a few hundred dollars a month. Something really happened, and the medical expenses were tens of thousands and hundreds of thousands. At that time, you must have an operation and ask someone to take care of you. I can't even continue to work, and my living expenses are not settled. At that time, it will not be solved for a few dollars. The medical expenses are so expensive now, and an operation starts at tens of thousands. The economy will be more difficult then. For this activity, about seven or eight yuan of pocket money will be accumulated every day, and all these risks will be transferred to the insurance company. 15 need not worry. At this time, getting this money back as your pension is also a very good supplement, and it is also a help for your online application, right?

have no use for

1. Sir, I can understand your idea. If Xiao Li is urging you to spend money today, I agree, but you must know that we are not immortals. How can someone say that a person will never get sick and there will be no unexpected risks? We certainly don't want customers to meet, but we hope that when customers meet unfortunately, they don't have to affect their families. Don't you think so? This time we will inform you of this activity and let you experience it. I hope that your family and friends will give priority to our Ping An insurance in the future, so our company has sent our customer service specialist to provide you with intimate service, which is an emphasis on customers like you. Our old customers all think that this activity can be used as a deposit or as a future plan, with fixed income and comprehensive accident protection, so they are willing to participate. We also bring you this blessing of peace and process a copy for you online, ok?

Still no need (ask the customer: have you bought it before?

At maturity, you can not only get back 100% savings, but also get 5% fixed income. In case of unpleasant things, you can minimize the loss of your family. You are so responsible, and like other customers, I will handle it online for you at the first time.

Want to see the information?

Sir/madam, is there anything you are not clear about the activities explained by Xiao Li? You ask me directly and I'll answer for you.

Asking for contract information

Mr./Ms. X, I know what you think. The purpose of this activity is to give back to our high-quality customers, so this telephone service is specially adopted. The activity content is also very simple. You only need to save money for yourself, and at the same time, you can enjoy the protection of 15 up to 800,000 years. As your customer service specialist, I will also explain it in the case of telephone recording according to the terms of the contract. Don't worry.

Still want to see the information?

I see what you mean, Mr./Ms. X. You must feel a little uneasy about making a decision through such a phone call, right? It shows that you are really strict with your work. By telephone, not only can you save time, but also we recorded the whole call to protect your rights and interests. As your customer service specialist, I have received long-term professional training before I can give you a true and honest explanation on the phone! So please rest assured that everything I have just introduced to you is clearly listed in your contract, and as we all know, the contracts of insurance companies are all standard terms. As ordinary people, we need some time to understand ourselves. As your customer service specialist, I will explain it to you, so that you can understand the key points of this scheme more intuitively and quickly! You see, saving yourself 9 14 yuan a month won't affect your normal life, will it? Then I can make a copy for you online like other customers, right?

buy

T: Then you have bought insurance before, which shows that you are also very recognized and aware of insurance. If it really doesn't make sense, I'm sure you won't buy it, will you? Think about it, you also want to avoid a risk for yourself by buying insurance. At least if something really happens unfortunately, we also want to have such a sum of money to help our family, right? Then we will safely recommend such a service to you today, hoping to save pocket money for your family without affecting the economy. Only a few hundred dollars a month, the premium will be fully refunded to you when it expires, and there is a fixed income of 5%, which can be accumulated halfway. The customer was very satisfied, and I also handled it for you online. All right.

Think about it.

First time: Sir, you are very careful. At our age, it is also a major source of family economy. If we are healthy and safe, all expenses at home will not be a problem. If there are any unexpected risks in the family support of a happy family, parents' pension, living expenses and children's study expenses will be affected in the future. Now, this security service only needs to save a few dollars every day. Maybe just smoking a pack of cigarettes and having a meal with friends can bring high accident protection. At maturity, all the money can be returned safely without economic loss. Like the old customers we have served, they all feel that this service is very good and they have all been completed in the first time. So here is also to help you handle an online copy, okay?

distrust

Well, I heard a general idea on the phone. I'll find out more about it and ask the salesman.

Don't worry, this service is called to inform you, because the service content is very simple. At two o'clock, all the old customers we serve immediately understood. That is, if you save money for 8 years and enjoy the guarantee 15 years, all the money you save will be recovered when the contract expires, and at the same time, you will be given a 5% fixed income as a survival reward. The service content is as simple as that. All the old customers who received the notice were the first to join. Do you think I will bring you this blessing and copy it for you?

Why not do it in the salesman's office?

I can totally understand your thoughts. Because our service is only a thank-you activity for old customers, it is not handled externally or sold externally, so the unified handling method in the whole country is notified by our customer specialist. Then, in order to show our sincerity to safety, each of our customers has a service specialist. If you need the help of this service in the future, you can call me during working hours, and I will provide you with the most thoughtful service at the first time.

Discuss with your family.

Sir, I can see that you respect your family very much. In fact, our clients' families are all supportive, and you are the backbone of the family. Participating in this activity will not only give you a guarantee, but also a sense of responsibility for your family. Family members may object to our spending money casually, but we will never object to saving money. Your family will certainly support you. Many of our clients want to deal with their families and children by themselves, and we can't satisfy all of them. So you can also handle such a good plan for you online. All right.

Also discuss

Mr./Ms. A.X, you are really a person with a sense of family responsibility. To tell the truth, you are usually busy at work, and people who are not at home are most worried about you. As long as we are safe, it is the greatest expectation and happiness of your family! This activity can not only accumulate more wealth for family members, but also express the importance to family members by protecting themselves. Moreover, the guarantee is long-term. Any claims during the guarantee period may be several years' premium. What's more, the premium paid by this service is not for you, but for yourself. Whether there is a claim or not, we will get all the money back at the end of the contract, plus 5% fixed income, so our service.

I have social security!

It seems that the welfare benefits of your company are still very good. The old customers and companies we give back are well treated. Many customers also have several insurances, but they also feel that this service is very good, practical and widely used, and it is the first time to join in. Then social security is a basic benefit given to us by the company, but if we go to the hospital now, there are many cases where we need to import drugs or specific drugs, because only in this way can we recover as soon as possible, but these are not covered by social security. Social security will not be reimbursed, and often these drugs are very expensive, and customers will definitely feel great pressure when they use them for a long time. Unexpected things really happened. What really helps us is the commercial insurance we bought, don't you think?

Rich man: After decades of hard work, I went back to before liberation.

People without money: patients suffer, their families are heartbroken, and they have no money to see a doctor, which aggravates the pain.

Dependence on relatives and friends: only emergency, no poverty; Rely on savings: a drop in the bucket, play out of food;

Relying on social security: the coverage is small, and the money has to be found by yourself;

Nine minutes to advise you to buy insurance.

One: Insurance is different from ordinary commodities. e &； e$ u5 p' Q 1 q8 o，a

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Many people regard insurance as an ordinary commodity. They can not only bargain, but also wait until the need arises. This is a fallacy. As a special commodity, insurance is almost impossible to find a temporary substitute. When you are in danger or sick, you often have no time to think about insurance.

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Second, well-off families may suddenly get into trouble.

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There was a tragic story about a well-off family who was heavily in debt because a family member was ill. In fact, we can often bear and solve the losses caused by small risks, while big risks often bring disasters, which will be solved by insurance. Besides, for the rich, why not use a little money to deal with possible sudden disasters?

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1C # @-E9L $ | 3i7 7L7}% ~ 3: Hold the bottom line in family fortune.

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As long as some rich people have idle funds, they will definitely buy some stocks or foreign exchange in order to maximize the value-added of wealth. As we all know, there are also high risks behind high returns. Once you miss, you are likely to lose your future life. ! |.J/ h# Y) Z [( `3 @

# y: My dollars? (A4U (R (B6O2 @ 1)] According to insurance professionals, pension itself is a concept of earmarking. Once the funds used for providing for the aged are put into the risk market and used for other purposes, they cannot be called pensions. In fact, family funds are also classified: some are used for cash payment and some are specially used for wealth appreciation, but pensions should never be used easily. This is the bottom line of wealth that a family should keep.

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Four: Social security is winter sweater 8 Y 1 U0 F: W9 N! l

"i# W 1 K* R- P6 n6 ~ social security is the social insurance for employees of all units. Of course, it is very useful, but it cannot be used as a substitute for commercial insurance. There is a metaphor: in the cold winter, in the house, we may only need to wear a sweater, but if we want to go out, we should wear a coat. Social security is equivalent to that sweater, maintaining the minimum guarantee; Commercial insurance is equivalent to a coat to keep out the wind and rain, and it is the guarantee of the quality of life.

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Social security can't afford the major diseases that pose the greatest threat to family wealth, and only drugs within the scope of social security can be reimbursed, so it is difficult to transfer social security funds to patients' accounts immediately; Commercial insurance is different. As long as the hospital is diagnosed, the funds will arrive immediately, and the scope of medication is very large.

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; G+ j 1 k% Y！ O' w8 |9 O- X V: Take care of both the house and the car (v {:'? “` 3b； M+ I8 E

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As a large part of well-off life, it is indeed one of the standards to measure wealth. But goods can be divided into two types: first, profit-seeking goods, usually bought, such as washing machines, air conditioners, houses, cars and so on; The other category is harmless goods, such as security doors, helmets, insurance, etc. Everyone needs such goods.

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6)《Q-C p9o(U！ A Generally, the money for buying a house and a car is several hundred thousand, while the money for buying insurance is only several thousand yuan, at most, it is 10 thousand, which can protect hundreds of thousands of self-interests. It is not a dispensable commodity for the rich, and its purchase priority is higher than other commodities.

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+ f2 I0？ C+ e( z8 j8 A VI: consumer interests are guaranteed) d 1 a3 |+ l5 [

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With the development of insurance in China, it has become more and more standardized. The interests of the insured can be said to be guaranteed. In addition to the judiciary, the China Insurance Regulatory Commission and insurance industry associations also jointly safeguard consumer rights and interests.

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It is worth reminding that many customers' complaints about insurance companies are misunderstandings caused by their ignorance of the insurance products they buy. So before buying insurance, you must remember two things: from your family situation, see why you want to buy insurance; Check the existing insurance policies carefully, understand the protection you get, and pay special attention to the exemption clauses.

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The insurance clause clearly stipulates the insurance liability and exclusion liability, which to pay and which not to pay, which is actually very clear. Be sure to compare the insurance plan or verbal commitment of the insurance business personnel with the insurance terms, and sign the bill after there is no problem. 5 grams of $ h7 p- _ 1 ` 1 H

“C； S5 M# z+ Z6 C4 E seven: hearsay is harmful.

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-y % q * D & amp； J2 { $ U)I/H ' T； [Many people have herd mentality towards insurance, which is greatly influenced by relatives and friends. In fact, the demand for insurance should be judged independently according to the actual situation of the family, otherwise it will be yourself who will eventually delay. Someone once bought an accident insurance for 100 yuan. After the accident, the insurance company paid more than 2000 yuan according to the regulations. Consumers were dissatisfied, so they complained a lot, which made a relative who was just about to buy insurance give up his mind. Later, something happened to this relative, and something happened at home, so it was delayed. )^8 o$ R( |6 \/ z) m，k

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Eight: Everyone's risk is different% d；; k/S； }5 e$ F* g# v/ G |

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Each family member's personal risk is different, so the security needs are different. Although it is not the economic pillar of the family, the probability of illness or accident is not reduced. After risk assessment, you should also apply for insurance that suits you.

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Nowadays, the social competition is very fierce. Although some families are rich, the mode is often that one person supports several people. This person is equivalent to a rickshaw driver, and the youngest in the family sits on a rickshaw. In order to improve the quality of life, rickshaw pullers have to pull rickshaws up the hill. If the rope pulling the rickshaw breaks, the whole rickshaw will slide down the hill. It is also very stressful for a person to bear the whole family alone, so it is necessary to insure family members to spread the pressure. (~4 z6 A9 E* F3 T，H" t. M

$ ~% V8 v* H' l0 D2】。 R: V- D Nine: Feudal superstition is unacceptable.

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5 q6 T8 V/r； Z0·r Some people try their best to avoid insurance, frowning at the sight of insurance agents, because superstitious insurance is unlucky. They would rather use money as incense than buy insurance. Once attacked by diseases or unexpected accidents, they will have no defense ability. Many blood lessons are the most convincing, and superstitious thoughts are unacceptable, otherwise you will miss the big event!

When you have a certain understanding of the specific meaning and concept of promotion, you can really enter the discussion of the actual operation of promotion and master how to promote sales under certain circumstances, so that insurance salesmen can be handy in the actual sales process and will not be caught off guard.

Skills 1. Go straight to the point

For the opportunity to communicate with customers through strange visits or telemarketing, it is undoubtedly the most appropriate to choose to come straight to the point and directly say the greatest benefits that the product can bring to him to seize the attention of customers because it is impossible to establish a complete and intuitive impression immediately.

The key to adopting this method is to ensure that the benefits you say can attract customers' attention, and marketers must be able to find real highlights from the products they sell.

Tip 2. "Decision-making" method

This method is suitable for the beginning of product description. The purpose is to get the customer to make a commitment at the end of the product description, instead of saying, "I have to think about it."

Explain to customers at the beginning that if they are willing to give up their prejudice and listen to the introduction of the products, the salesman will not force them to buy the products he sells. In this way, customers can effectively avoid using excuses to euphemistically refuse further sales. As long as the product description really proves to meet his needs, he has a high probability of making a decision to sign the bill immediately.

Tip 3. "slow fire suffering" promotion method

Usually, each product has its own bright spot, which is also an important reason why most customers choose the final purchase. Insurance salesmen must be able to grasp the characteristics of one or two products that may be valued by customers, and mention this point many times during the whole sales process, because every time they mention it more, the customer's desire to own this product will increase by a few points.

When a customer buys a product, it must be because there are places in the product that can attract him, and it is the responsibility of the insurance salesman to let the customer realize these bright spots.

Tip 4. Repeated inspection

In the process of product description, remember to stop at any time to check your progress. If you mention something that might meet the customer's needs, stop and ask the customer, "Is this what you need?" "Will it be much better than now?" This is the double inspection promotion law.

The advantage of this method is that no matter whether the customer answers "yes" or "no", it will not end the sales description of the salesperson. Moreover, by constantly asking questions, we can get feedback from customers' answers, gradually outline the outline, and know what customers really want, which is of great help to the final decision.

Tip 5. "choice" promotion method

Just like when you make an appointment with a client for an interview, you always have to give the client two choices. Never let customers choose between "buy" and "don't buy", but let them choose between product A and product B, and the cinema gives them two choices to give salespeople sales opportunities. Never ask: Do you like this? Instead, you should ask: which one do you like? Insurance salesmen make positive predictions first, and it is easier to get positive answers from customers.

Tip 6. "list" promotion method

Put the paper and pen in front of the customer, draw a vertical line on the paper, and divide the white paper into two halves. Please write down the reasons for buying this policy and the reasons for not buying it.

This can help customers clear their minds. When customers list the reasons for buying, they usually list the reasons on the premise that they will buy. When he finished writing this column, the customer's willingness to buy was already in a high state. Some people actually can't explain clearly why they don't buy insurance, but simply resist instinctively.

Tip 7. "story" promotion method

There must always be a few stories that can show the benefits of buying this insurance policy, and it is better to have something that really happens. The basic function of insurance is to show love and responsibility, which is emotional. And most people buy insurance because of emotional needs. If there are practical examples to illustrate, it will undoubtedly be more convincing than a single sermon.