Take a good title, "Safe China, Safe China".

Official answer.

I won't hack a product because it is expensive, but I will definitely hack it because it is rotten. Let me use my most familiar field as an example. The former is OPPO and VIVO mobile phones, and the latter is Samsung Boom7, a cool god.

Ping An Fu is a whole life insurance with compulsory additional long-term accident insurance to pay for major diseases in advance. Find a plan generation tool, according to a 30-year-old male:

1, this is a copy of whole life insurance.

The higher the probability, the more expensive the premium should be. At the present level of science and technology, people have not reached immortality, and the probability of death is 100%, so whole life insurance is very expensive. What does whole life insurance do? Many ignorant salesmen will say "asset inheritance" and "debt avoidance and tax avoidance".

In fact, debt avoidance is a feature of life insurance, and it is enough to spend the debt period with term life insurance; Tax avoidance? Let's wait until there is inheritance tax in China. Besides, if inheritance tax is really levied, life insurance claims may not run away. Asset inheritance? There are many ways, insurance is just one of them, and-it's not too late to think about this problem when you have assets.

Most families are not suitable to buy whole life insurance as soon as they get together, whether it is Ping An Fu or Hengqin Life Insurance. However, the first insurance that most families come into contact with is Ping An Fu.

2. Mandatory attachments.

It is not uncommon for life insurance products to pay in advance for major diseases, but coercion always makes people uncomfortable. Two of a kind, that's called sweetness and unrequited love. If you add any means of stalking, it's called harassment or rape.

How many people will say that it is not good to pay in advance and give the choice to the insured?

3. Pay in advance.

Strictly speaking, it is right to pay in advance, but it is absurd to match whole life insurance.

As shown in the first picture, it is known that Ping An Fu 20 17.

The insured amount is 365,438+00,000 yuan, safe and blessed with serious illness.

The insured amount is 300,000, and the longer the known life, the closer the probability of serious illness is to 100%. Once the insured suffers from a serious illness, he can get a compensation of 300,000 yuan, and the insured amount in whole life insurance becomes 3 1 300,000-300,000 yuan = 1 000 yuan.

One more thing about paying in advance. Recently, I called Ping An at 955 1 1 and was transferred to the Commissioner to answer my question. Let me ask you about Ping An Fu's critical illness insurance. Can you pay in advance immediately after a critical illness occurs? She said yes for sure.

I gave an example at that time. I said that according to the terms of the contract, payment for end-stage renal disease, chemotherapy or kidney transplantation can only be made after 90 days. He said it was unnecessary, and neither did we. Just report the case to us for diagnosis.

4. Terrible long-term accident insurance.

Additional long-term accident insurance, 65,438+0, 500 yuan bought 300,000, double the amount of traffic accident insurance, only death and disability, no unexpected medical treatment, no hospitalization allowance, 20 to 70 years old. What could be worse?

The price of Ping An Insurance Company is really high. My friend bought a Jetta. Including vehicle and vessel use tax, 7525 yuan was collected. Ask him if he would like to give it to PICC. If he says the system is broken, Ping An Insurance won't sell it to you. Ping An Company will take kickbacks from 4s stores.

Thank you for inviting me.

I think this is the brand effect, which stems from the conformity psychology of Chinese people. On the other hand, the big signboard of integrated finance is another reason for people's high recognition.

The following opinions only represent personal opinions:

Today, the development of insurance has been gradually improved, and people's understanding of insurance is also deepening. All kinds of insurance products are dazzling, each with its own advantages and disadvantages. No company has bad products, and no company can cover everything, which requires people's objective judgment. If every family is not short of money, it doesn't matter which one is good, but most people are still on the road to a well-off life, and there are national laws to protect users' rights and interests. Why not choose a product with high cost performance? After all, the annual premium is not a small expense.

At this stage, when purchasing insurance, life insurance should consider what problems need insurance to solve, and then how our long-term financial ability is, and choose the right products within the premium range. One purpose: to expand the amount and scope of insurance as much as possible within the scope of premium, and premium is the cost, and the amount and scope of insurance are our immediate interests.

In short, all insurance is good, but it is different from brand premium, so you need professional people to help you analyze and choose, and the people you choose can be responsible for your choice. Ordinary families suggest choosing products with higher prices, and good steel is used in the cutting edge.

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More important and interesting information about the exhibition industry of insurance companies.

As an old insurance company, Ping An Insurance Company is definitely the dominant position in the industry in terms of business strategy, planning and design, brand effect, market share and training system! It is undeniable that Ping An has indeed made a lot of contributions to the insurance industry and customers, but the so-called "building a big tree to attract the wind" has certainly made many mistakes in the process of rapid development.

First, black for the sake of black.

Why do people despise Ping An Life Insurance Company of China's products? To put it bluntly, just like in the entertainment circle, a small fresh meat star with a traffic level did a good thing and accidentally did an out-of-line thing. What do you think is the biggest influence? Which one will quickly attract thousands of people who eat melons? How about a quick hot search? I can figure it out with my toes. It must be the latter! ! !

In my opinion, the same is true of Ping An Life Insurance Company of China's products being despised. Peace is a very effective method for marketing hotspots. As long as you bring peace, write an article, the last eye-catching headline from the media, the number of views and attention is not generally improved. Recently, it was the "textbook cheating" incident in Tangshan, Hebei Province that caused Ping An to lie down. Once Huang Shufen, who was listed as "Lao Lai" by the court, was exposed by Zhao Yong, the victim's family, her Ping An insurance company became the target of public criticism, except Huang Shufen himself who was criticized by netizens.

In fact, if we carefully look at the trial results of this case from 15 to the end of 17, we will know that the vehicle involved in the accident was insured with compulsory insurance and 300,000 yuan commercial third party insurance in China People's Property Insurance Co., Ltd.

20 15 The plaintiff sued China People's Property Insurance Co., Ltd., and obtained compensation of 308,000 yuan from the insurance company through mediation.

So this time, it is a separate lawsuit against the part other than the insurance commitment. Prior to this, an agreement had been reached with the insurance company to obtain 300,000 insurance compensation. And judging from the contents of the judgment, before the prosecution, the defendant Huang Shufen also paid 26,000 yuan for medical treatment and 50,000 yuan for deposit, while the defendant actually paid 76,000 yuan before.

Of course, the actor Huang Shufen still refuses to perform the effective judgment after the court decision, and he is by no means completely unable to pay. This is all thanks to Lao Lai! Bian Xiao didn't mean to make excuses!

I just want to say that the vast majority of people in the insurance industry are ordinary people who struggle for their lives like you, not villains. Don't education, medical care, real estate and other industries all have bad behaviors and phenomena? !

It seems too much.

Second, the company's marketing model and product defects

Having said that Ping An insurance is for the sake of blackness, let's take a look at the place where Ping An is really not good enough.

Let's talk about products first:

Ping An Fu, as far as product guarantee is concerned, is definitely not excellent. It can only be said that its product design is more complicated and the rate is higher. Applicable people tend to like big brands rather than people who study products. They tend to pay more attention to brand image and trust the propaganda of relatives and friends.

Talking about marketing and training:

If any company knows China people best, it must be Peace. Their marketing strategy is to rely on closed training for marketers, so that they can accept that the company's own products are the best, and the products of other companies are the dross; The product is not worthy, not as good as the company's popularity and scale. This misleading training is very effective.

Under the pressure of this kind of training and performance, many people buy their first insurance for themselves or their relatives and friends, but insurance is a very strict thing. It's no use buying it. When settling claims, I found that a lot of work was not done well, and the insurance I bought was not as good as I thought, so there were many misleading sales impressions in this case. Ping An, as the insurance boss in the industry, will not be unaware of the consequences, but still go its own way, leaving people with no good impression on its products or even his ideas.

finally

Some people buy insurance for protection, some follow suit, some are for human feelings, some are for income, and some are for.

There are also many reasons to buy Ping An Fu. As a practitioner, whether you are an agent of Ping An Insurance or an agent of other life insurance companies, please remember your professional ethics and professional conduct, and it is no problem to provide customers with products that best meet their needs.

This is because it is determined by the value of a brand, its operating cost, other compensation ratio and repayment ability.

For example, there are seven pairs of socks on the roadside 10 yuan, 50 yuan in the supermarket and 200 yuan in the specialty store. The quality is also different.

Which product is right for you?

Because his service can be said to be at the forefront of the market, the professional training of employees is also the first. Because the biggest cost of a company is the cost of manpower training, it is said that its high level has its value, and intangible value is among them. But in today's society, people are eager for quick success and instant benefit, and some invisible service costs are invisible to consumers.

It makes sense to say that his sales premium price is high.

come uninvited

I understand your idea, but I also want to tell the truth.

First of all, it's not just peace. At present, all insurance companies in Chinese mainland achieve market occupation and business expansion by recruiting a large number of salesmen. Because peace is the greatest, it is the most prominent phenomenon.

Secondly, it is wrong for Ping An to spend so much money on recruitment, training and commission. By comparison, we will find that Ping An has the greatest awareness of cost control. For example, in training, the team leader of a company in the same industry and a team of more than 10 people can get the corresponding income of the "department manager" in the insurance industry, but in Ping An, the team size has clear requirements and the personal business commission is also low.

Many new insurance companies are established on the condition of income, attracting Ping An salesmen.

Third, I really hope that the state will also provide commercial insurance. This idea is good, but I'm sorry, the state is only responsible for social security. I can't make much sense, but even in developed countries, the state has not undertaken the operation and sales of commercial insurance.

But one thing, I hope you know that all insurance companies in China are under the supervision of the state.

Ping An insurance is expensive. I don't deny that. I am also a client of Ping An Insurance.

Whether it is expensive or not lies in the comparison with other products. Ping An insurance products have been criticized by peers as "expensive", but as far as I can afford it, I am still willing to buy it.

Take Ping An Fu as an example, you can participate in activities and receive gifts every week. This is the real KFC breakfast and Starbucks coffee.

After one year, these activities are worth more than RMB 1000.

In addition, the activities of Ping An Fu can increase the insured amount, which is also valuable.

Third, being a safe customer can have more additional advantages. For example, some recent activities in Dalian can also be measured by money.

Again, the choice is: if you only want insurance, you can choose the best cost-effective one. If you want insurance and experience, choose a big company.

That's it.

I don't sell insurance, and I don't involve advertising recommendation. As I said, safety insurance is very expensive.

Don't spray.

Finally, according to the usual practice, there will be many people who think that insurance is a liar, and there will be many people who say that they have sold insurance without paying.

I don't know why. Now the Insurance Regulatory Bureau directly docks such complaints with insurance companies, and the punishment for insurance companies is to suspend business for rectification. They still don't complain, and they are always clamoring for misleading here.

It's simple. When I buy insurance,

Ping An has always said that you get what you pay for. Small companies will go bankrupt. Top 500 in the world. Ha ha. Therefore, I bought 500,000 Chinese evergreen trees and medical insurance, and handled the 500,000 insurance coverage of Yinan Shengyu Cube No.5 until I was 66 years old. How to start a set of Tongfang Global? Three-year waiting period for three payments for malignant tumors.

Mainly to buy insurance for them. He, Ping An is stricter, and other insurance companies are easier to enter. We have been to Ping 'an before, but it was not easy. We have classes and exams. . Those who failed the exam can't get in. If they go in, it's not foolproof. They have morning meetings every day, and they have to take new insurance for a while. Among them, there are other classes to attend. Just like studying before, they recite pictures and words every day. But to be honest, although I didn't save any money in Ping 'an, I had a good time there. My colleague is very nice and willing to help newcomers. I got along well with them and bought a peace blessing myself.

What peace and happiness can't change is whole life insurance, accident and serious illness. You can choose the rest by yourself. If you don't like the tumor, you can not choose it. Mild illness exemption is the highlight of this upgrade, and the premium can be raised once for mild illness. Every time you upgrade, someone will always say that this is not good and that is not good. Mild illness once, free of charge later.