Example of persuasive refusal skills 1. "I have social endowment insurance" is not enough. I'm sure you hope that your family's living standards will never stop improving. For example, you are currently using a 25-inch color TV at home. You don't want to go back to using a dozen-inch black-and-white TV one day, do you? 2. "I don't want to put money on the insurance policy." People have to pay the insurance premium sooner or later. The only difference is that you are willing to have pocket money to pay insurance today, life insurance one month later, or one day your family will use a lot of money to pay for the huge expenses in life. When we read the newspaper, we will find that there are so many funeral news every day. Let's make a bet. You believe these people must have a lot to think about before they die, but now when they make a decision, it's too late. 4. "I can't afford it now, let's wait until the Committee gains." You can't stop sowing just because of the flood, drought, wind and hail this year. Wait until next year, right? I'm sure you want good weather and good harvest every year to ensure your family life. But in recent years, have you saved enough money to protect your family from any disasters? 5. "I have labor insurance, and society will take care of my family." This is impossible and not enough. You once told me that your family expenses should be at least ×× yuan. Do you know how much society can give at most? How much can I pay for labor insurance? Now you just need to sign up for insurance to ensure that all the expenses at home will never be lacking. 6. "I want to discuss it with my wife." This is a good suggestion. Let's make an appointment to visit your house and discuss insurance with you. I'm sure you and your wife will have many questions to know. Is tonight or tomorrow convenient? 7. "I have a friend who is insured, so I will call him." I understand that just because he is a friend, he won't discuss your personal financial situation with you. I believe that if you have me, you won't tell your friends, so you can avoid a lot of trouble. Generally speaking, people prefer to discuss their plans or their children's future with professionals. Do you think it is best to avoid relatives and friends? 8. "I will buy the cheapest insurance from insurance." The object of cheap insurance policy is those who only want to pay the insurance premium with the least money. Their widows and orphans will find that they can't buy anything with their insurance money. Insurance is generally based on 10 or 20 years. If it is the cheapest insurance, it will not be covered when the insurance expires. Don't you want to do this? 9. "I'm going to ask my wife if she agrees to this plan." You will leave this question to your wife, and it will be difficult for your wife to tell you how much insurance you want to buy for yourself and your children. After all, it's still your problem, not your wife's. Ten, "I can't afford it now!" Just now, we discussed all the contents of the plan carefully, and you also made a decision on the minimum guarantee needed by your family. If you think the premium is too high, we can reduce part of the insurance. Which part do you think can be temporarily reduced? Xi. "If you can't afford insurance, you have to pay back the loan if you save money." That's why I made the suggestion. Insurance can plan your income. Suppose you can't work for six months, you will take yesterday's money from Baohe to repay the loan? Twelve, "the premium is too expensive!" Do you think it is an act of spending money to deposit money in banks, bonds or under your pillow? That's not true. You are saving money. Similarly, the insurance plan I provide is also an act of saving. Not only can you pay off the loan when you have an accident, but it can also provide you with the protection of your life. Thirteen, "My income can make them live a good life." Your career is very successful, which is really not simple! But without your management, who will run it in the future? Insurance today is to ensure that your family has enough money to hire the right people to manage and run your business under any circumstances. Fourteen, "My wife can find another job to make a living" is certainly possible, but at least she must have enough money to give her a period of time to receive further training and adjust her professional knowledge so that she can compete with young women in society. Are you ready? Fifteen, "don't need it! My relatives will help me raise my children. " It's very kind of you to help your relatives. But in fact, how long can they help? How helpful can it be? Insurance can ensure that your child can maintain the existing standard of living at any time and under any circumstances. 16. "Don't worry, wait until the birthday is windy." You have decided to insure, but there are still many factors that need us to make the policy effective as soon as possible. Or refuse insurance. And when you are one year old, the premium must also be raised. Our existing insurance plan suits your needs, so we should act immediately. Seventeen, "it is better to invest money in real estate than in insurance." It is certainly good to invest in real estate. But, excuse me, sir, if you only have five dollars a week, how much real estate can the Propaganda Department get? "I don't need insurance now." No, sir, you don't need insurance now. But in fact, when you need insurance, it's too late. It must be when it's not needed. Mr "I am not free" is not a question of whether I am free or not. I just want you to give me three minutes to introduce the insurance. If you are not interested, I will leave. Twenty, "I can't afford her premium", I agree. Your income is really tight, so I suggest that your wife take out insurance and pay for it herself, with you and your daughter as beneficiaries. How do you think? Twenty-one, "We don't need it, maybe she will leave me." If this happens, it is really hard to imagine. I've thought about this kind of thing. Have you noticed that there are many such families reported on TV, but in real life, this situation can only make the living people suffer personal and economic pain. 22. "We can't afford it" You just feel that you can't afford the premium, not that you don't want it. In order to maintain the family, your wife's income accounts for one-third of the family's income, and she needs to take out insurance for it, just as your wife's is the beneficiary in your policy. Now let's look at the monthly household expenses and see if we can save some money for insurance. Twenty-three, "My wife doesn't agree!" Well, sir, insurance is like giving a gift to your wife! Wouldn't it be better to give her a surprise without telling her beforehand? Twenty-four, "I'm not interested!" Yes, it is because you are not interested that I am talking to you. I won't talk to anyone who is interested because he has insured me. Twenty-five, "I don't want insurance!" You might think so five years ago, but now, your monthly income far exceeds the expenses of family life. You will earn more money for this family every month. Do you think it should be insured now? 26. "Our money is too tight to use." As we just discussed, both of you have jobs, and your wife can work until she retires. In this case, your income and expenses are still so tight, which is the focus of our discussion. Insurance can replace your wife's income in case of illness or accident, and use this income to help raise children. Twenty-seven, "I want children, not insurance." Do you want to have children of your own? Insurance is the easiest way for you to have a family member and still own your own house when you have an accident. For example, insurance is like a wall. No one can go in without your permission, no matter what the situation is, whether you are here or not. Everyone needs insurance. I'll wait until next month. I'm happy to wait. But if an accident happens before you take out the insurance, who will pay the balance of the bank loan? If there is your wife's signature on the debit note, it means that the burden of repayment falls on her shoulders. In fact, you only need to pay one more month's premium to get rid of this concern. Why wait until next month? Twenty-nine, "I am too young to retire." Even so, you don't need to worry. After all, you haven't arrived yet. As long as you agree, no matter what happens to you, your wife will have some money to use. You must be willing to do this! Moreover, young people's insurance premiums are relatively small, and the premiums increase with age. Why not pay insurance easily and get protection as soon as possible? Thirty, "insurance is not cost-effective, money is earned by insurance." Excuse me, insurance does not make money. Dare you buy insurance? If you know that a family will close down in a few days, are you its product? Because you will worry about the quality of products and services. Insurance doesn't make money. There must be something wrong with the operation. This will not only affect the quality of service, but also reduce the expected dividend of the insured and harm the interests of the insured. Therefore, it is appropriate to make money from insurance and it is worth encouraging. Thirty-one, "Don't talk about insurance" Every day, people come to talk about insurance, which is a good thing, because insurance salesmen know their majors better than insurers. Not necessarily, but you can gain a lot of knowledge by knowing more and comparing more. If you keep silent, you will lose the chance of freedom. Thirty-two, "insurance is not cost-effective, only an accident."

When the premium is paid for two years, it begins to have cash value. The longer you pay, the higher the value, which makes you pay more cash. It's too late to grab such cost-effective insurance now. What are you dissatisfied with? Thirty-three, "There was no insurance before, and it is the same now." Nowadays, most families are families of three. Every family needs money to solve many things, plus daily living expenses and children's schooling. If you encounter difficulties, I'm afraid even your brothers and sisters can't help you. As for prices rising year by year and expenses increasing, it is not easy to make money. What should I do if my family needs a sum of money urgently? Insurance is a good guarantee. As long as everyone takes out a little insurance, there will be no worries in the future, and social problems will naturally be less, don't you think? Social bonds are a better investment. Excuse me, how much money have you saved in the past five years? Then you will understand two things. First, it is difficult to make regular quantitative savings; Second, changes in the field. "Good investment" means that the price is high when the price is low, and there is no need to track records like investment experts. Let's talk about how to ensure that your family doesn't have to worry about living expenses in the future. This is the first thing, and then talk about buying government bonds. Thirty-five, "Is it worth saving so much money on insurance?" If you see a 10 yuan bill on the ground, you won't ignore it just because it's not 20 yuan's bill, will you? By the same token, we can start with the basic retirement plan now, and then gradually increase it when the income increases. Assuming that your health is standard, when will you arrange a physical examination? 36. "I have to wait for a while." I'm glad that you wisely decided to take out insurance in order to get tax benefits from insurance. If you implement this protection plan immediately, you can get tax cuts and benefits this year. 37. "I'm in no hurry. I'll have enough money when I retire." Specifically, according to your current retirement plan, you will never retire, but you must find another job. Because your retirement fee is too small to keep up with the rise in prices. I wonder if you and your family can still live like this and enjoy family happiness when you retire at the age of 60. No, I already have a savings plan. Can you tell me how much money you have saved in the past two years? The insurance plan I am offering now actually allows you to have a fixed savings plan, so that you can have a considerable income when you need it most. 39. "I have participated in social insurance." Social insurance only gives you the income from subsistence after retirement. Considering inflation, it's really hard to live on this money. You work hard to get a higher standard of living. Can you tell me what your life requirements are after retirement? Forty, "you can't save on a regular basis." It seems that you and I are close relatives. When you are in trouble, you have to add clothes for a while and pay for school uniforms for your children for a while. I don't know how to spend the money. But insurance is different. It limits your expenses, and makes the insurance premium continuously precipitate and grow steadily. Suppose there is an accident ten years later, your wife can only take out the principal and interest she has saved for a rainy day, but insurance can make your wife get a lot of insurance money. Forty-one, "I will invest the extra money in the stock market" In order to ensure family life, there is nothing wrong with investing the extra money in the stock market. What you do is "playing the stock market" as the saying goes, but in fact you are "cashing in your future earnings". Why not take care of your retirement income first, and then invest the extra money in stock trading? Does this make sense? I don't want you to interrupt your current savings plan. On the contrary, I just hope that you can keep this plan for a long time through insurance. Because I am not sure that this money will be used for insurance, what should I do if I am old or unable to work? Do you agree? Forty-three, "I'll think about it" right! That's understandable. Similarly, with such a high insurance coverage, I really need to think about it after receiving your medical report! Please tell me it is more convenient for you to be punctual. This week or next week? Forty-four, "I am very busy now, really have no time?" I know your work very well, and it is precisely because you are busy from morning till night that you can manage it so well. To tell the truth, it only takes you an hour to decide the future life security of your family and ensure your lifelong achievements. The core problem is how to accumulate your assets. Forty-five, "wait a little longer, now my money is very tight." According to the current situation of assets you mentioned, taxes account for a huge proportion of debts. Neither the Inland Revenue Department nor your creditors will wait for you for a while. In case of any misfortune, your family will lose a lot of much-needed cash because of your waiting. Don't do this from time to time! 46. "I haven't heard of you" is a surprise, because the asset protection plan is confidential. This is a list of our potential policyholders, some of whom are familiar to you, and some suggestions, which you may be interested in! Forty-seven, "I am busy and have no time" shows that you are a very responsible person and your attitude towards work is admirable. But in your busy schedule, please don't neglect to care about the interests of yourself and your family. I'm here for your immediate interests. If it is convenient, please allow me to take up five minutes of your time. 48. "It's unlucky to insure." I thought so before, but after I got to know more about it, I realized that many things will come when they should, and it has nothing to do with insurance. We have more than 500,000 policyholders, but at present only a dozen people have an accident to pay. Therefore, only those who have a sense of security can live a stable life. A responsible person like you will certainly think a lot about his family. Do you think it's better to save 3 yuan or 5 yuan a day? 49. If this statement is correct, we should dismantle the bureau immediately! In this way, no one will get sick without it, and no one will kill and set fire to it if the bureau is dismantled! Fifty, "I have been insured for several years, but I have no money yet." There is no point in stopping. " At the beginning, I designed pure insurance for you because of your small children and large family expenses. On the one hand, the insurance premium is cheap, on the other hand, I can get more protection. Actually, you should be glad you didn't see the money. Peace is bliss! 5 1. "It is inconvenient to deposit when you are old, but it is better to deposit it in the bank." Today, what I designed for you is to save a pension for the future. The previous insurance was prepared for your century-old plan. This insurance allows you to use more money after retirement without asking your children for money at one time! 52. "The insurance period is too long" I think so, but I don't know that the longer the insurance period, the better. Time is tight, how to get the benefits of insurance? Short-term, time is up and the premium has been raised. It is best to spend a long period at a time to avoid a lot of trouble and unnecessary expenses. Do you think it's too little to save five dollars a day? 53. "Bad insurance, not simple claims" The insurance is not good, you have the wrong salesman, and the claims are not simple, but the documents are not neat. In fact, your real problem is only one, that is, "money", that's all! If you want to eat, don't eat if you have no money? Don't you think you have enough money? No, the point is whether you think this thing is important to you or not. If it's important, you'll try to raise money, right? I'm no more interested in insurance than you are. I have insurance, that's right. But I'm interested in whether you have the money to live a good life in your later years. Are you interested in fire extinguishers? Of course not, but why? Why do cars have spare tires? People decide to choose things not because of interest, but because of need. Insurance is because it can bring many benefits. 55. "I'm getting married soon, let's talk about it later." Your husband can get insurance benefits from you, which is good for marriage. Your husband will love you more because you have an insurance plan and are good at managing things. 56. "It looks good, but I hope to compare it." The correct comparison is appropriate. Do I have a catalogue? You can learn about the best-selling insurance scheme. Can I study with you now? Fifty-seven, "I want to compare the rate with XXX" is great. May I use yours? I have a friend who is their senior business representative. He will be happy to tell us about them. This is a quick way to determine whether your prospective policyholder is sincere, and compare it with buying insurance in the future. Don't worry, let's talk about it in a month or two! You said that the plan I proposed was not only affordable for you, but also that you liked the idea. Whether the plan can be established depends on good physical condition, not spending money. You have the right to make a decision now, but no one can guarantee your health tomorrow. Any illness or accident will change your insurance conditions. That's why I ask you to fill out the health notice now and start the necessary procedures. 59. "I'm very busy. Please make an appointment with my secretary to come back." I am in front of you. I don't think it's necessary to make an appointment for the future. I'm fast, too. It only takes you five minutes to determine whether my suggestion is valuable to you. If the answer is yes, we'll make an appointment again, otherwise I'll leave at once. Five minutes. Is this fair? Sixty, "I have a son to support the elderly in the future." Many of my clients feel the same way, but after I explained it, I realized that there was no insurance before, and of course I had to rely on my son to provide for my old age. In modern society, competition is fierce and stability is not easy. We are already trying to make a living, why should we increase their burden? Do you think it's too little for me to suggest saving 5 yuan a day? 6 1. "I'm afraid I won't have any money to pay in the future." Yes, there is absolutely no problem with your payment now. However, what you really care about is whether you can afford it in the future. Once insured, there are five things that will affect your ability to pay: (1) If your income remains at the current level, there is no problem in paying. (2) With the increase of income, you won't have the problem of paying money, and you can even increase insurance. (3) If the income decreases, you can change the payment method, or take out the money we saved for you, and there will be no problem of paying money. (4) In case of an accident and income interruption, we will pay you a sum of money to solve the problem of sleep interruption. (5) The last one is to cancel the contract with God. We will give your family a sum of money so that they will have no problems in their future lives and realize your love and sense of responsibility instead of you. So do you think it's too little to save 5 yuan a day? Sixty-two, "I have heard of you" is not surprising. As you know, there are many kinds of related businesses. Although we are not as well-known as many people on TV, we specialize in insurance business. Look! This is our agency certificate and the list of potential policyholders. Sixty-three, "I hope to combine your insurance premium with ××" Yes, sir, do you have a computer? This is the insurance information of life insurance, and the life insurance plans and rate tables of major insurances are published, including ××. We can compare them now. Leave a message and I'll talk to you after reading it. It is natural for people to postpone making an immediate decision. Sir, I think you must be very aware of the negative consequences of procrastination in your daily work. Is it difficult for you to decide because I didn't elaborate in any way? How about this! We * * * fill out the application form and let the underwriting process go on, so that you still have time to think about it without any restrictions. This is the best way! "We can no longer afford the existing retirement benefits." Boss, inflation has made many good retirement plans obsolete. Your colleagues found that changing the past retirement plan can stimulate employees' sense of responsibility, improve productivity and increase profits. Don't you think this is an important part? Sixty-six, "Why should the death pension be included in the retirement plan?" According to the actual situation, 28 people aged 35 will not live to retire, and 25 people aged 45 will not live to retire (change the subject immediately). We haven't talked about the benefits of tax saving yet! Sixty-seven, "Children can insure themselves in the future." I agree that children will have the opportunity to insure themselves when they grow up. Do you know how they will appreciate you if you prepare an insurance plan for your children when they grow up and find themselves children? Now why not take action to prove to your children how much you love them? Sixty-eight, "You have made too many plans. We just need some basic insurance protection." I'm glad to express your views sincerely, and I know you want me to make sincere suggestions. In fact, young people often need much more money than adults. I'll prove it to you ... 69. "I don't need a savings plan for college education. My children have the ability to get all kinds of awards and grants." At present, there are many kinds of awards and grants for students, but the amount is not high and they can't afford tuition and accommodation. The following is a brief introduction to the various expenses required for university education at present, as well as the standards of various awards and grants for your reference. Seventy, "My children don't need that much insurance." You have a good insurance plan. I know you know the true value of insurance very well. I can compare your rate with your child's rate, and you will find that if your father insured you when you were ten years old, it would mean a lot to you. Seventy-one, "If these conditions are not guaranteed, I don't want this insurance." Your health status belongs to a special level. If your condition has not deteriorated within × years, you will not agree to the insurance. You are in urgent need of insurance, and these three things are only possible in tens of thousands. This should be fair. Do you agree? Seventy-two, "job instability" It is precisely because of job instability that you should buy it. Now my job is unstable, and I can make money quickly when I find a job, but I can't work if I want to work when I am old. What if I have no money at hand? Do you think it's better to save money in 3 yuan or 5 yuan every day? Seventy-three, "Insurance will go bankrupt" Many of my customers thought so at first, but only after explaining it clearly did they realize that insurance, like banks, is a financial institution and has jurisdiction. I don't know if you put your money in the bank for fear of bank failure. Seventy-four, "I don't trust insurance" I used to think so, but I didn't know until I worked in insurance. In fact, everything is a misunderstanding. Insurance, like banks, is a recognized financial institution, so you have basically made a choice for us by agreeing to operate insurance. You can rest assured of that. Do you think there are too few deposits in 5 yuan? Seventy-five, "This is not urgent, let's talk about it next year." Men always like genuine products. What about you? Paying the premium now is to save your money. If you wait any longer, not only will your annual premium increase, but the insured amount will also decrease. It's time to save money. I don't believe in life insurance either, but I believe in the benefits of life insurance. It's like a customer in a paint shop. No one paints because he likes it, but because of the beauty it brings. Insurance is money. I am too old to work, and I need money badly. When you have an accident, money is badly needed at home. You must believe in money, right? Seventy-seven, "The Spring Festival is coming, and we can't afford it at this juncture." This is the focus of our discussion. It is because of your health and stable income that your wife and children can spend the Spring Festival and live a good life on weekdays. Do you think the monthly premium will take away their happiness, or will it bring happiness to their families because of the protection plan we arranged? Seventy-eight, "I don't need this high total insurance coverage." Suppose you can't run your business for several months because of an accident or illness, you certainly can't pay employees' salaries, and you must raise funds to pay your rent, utilities and other expenses. All insurance can ensure that you have the money to pay all the fixed business expenses until you can return to work. This kind of insurance ensures that your business can be carried out normally under any circumstances. Isn't that a good thing? Seventy-nine, "I have no empty words, please send information!" Asset planning is not a do-it-yourself project. I deeply understand that you are busy, which is also a portrayal of successful people. Let me tell you something. Let's have lunch together at noon tomorrow. We can exchange views here at lunch time. If you are too busy to go out, how about I bring some snacks to your office or some KFC? 80. "My father doesn't believe in life insurance. We can live well without insurance." Yes, this idea is not quite similar to my father's, but he thinks it is necessary to save some money for the emergency of the elderly. This idea is consistent with the plan I gave you. If we can turn back the clock, the insurance in the past can achieve such a degree, I believe your father and my father will be interested.

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