Speech skills of bank wealth management products

Speech on sales of bank wealth management products

Invited lecture

(1) reasons for appointment

Hello, Sister Chen. Are you busy recently? I don't know if you have noticed that there have been many reports about universal life insurance in the news media recently. Our company will soon launch a universal investment and wealth management product. Knowing that you are particularly concerned about financial management, I have specially prepared some publicity materials about this investment and financial management product. Do you think I can deliver the goods to you tomorrow morning 10:00 or 3:00 pm?

(2) Referral of scheduled visit

Hello, is this Sister Chen? This is Zhang Ping from Pacific Life Insurance Company. Zhou Ying and Zhou Jie said you were his best friend. I heard that you are very concerned about family financial management, but because you are too busy to take care of it, our company is going to launch a universal investment product, which will be operated by a world-famous financial management company and won't cost you a penny. I have some information about this here. Do you think I should send it to you 10:00 or 3:00 tomorrow morning?

(3) Unfamiliar appointments

Hello, is this Sister Chen? This is Zhang Ping from Pacific Life Insurance Company.

G: How do you know my phone number?

Our company has specially recorded the list of the top five local families. I don't know if you have noticed. There have been many reports about universal life insurance in the news media recently. In fact, as early as 2000, CPIC was the first to introduce universal life insurance. At that time, many media called our company "the leader of universal life insurance".

Our company will soon launch a new type of "Caihua Life Universal Investment and Financial Management Plan".

For the upcoming financial plan, we hope to get more suggestions and opinions from customers before the sale. Do you think it is convenient for me to call on you tomorrow morning 10:00 or 3:00?

Face to face conversation

(A) Contact surface conversation

Hello, Sister Chen: This wealth management product introduced to you today is specially tailored for people who are considerate, have a certain economic foundation and have a sense of family responsibility. The specific function of this financial tool is that you have prepared a safe for yourself, and there is no rental fee. In the case of sufficient funds, you can invest or even increase investment at any time, and you can withdraw funds at any time when you are in urgent need without paying taxes. From the beginning of your first investment, you will be guaranteed to protect you and guard against possible risks in your life. Let me introduce you to the specific content?

General revenue statement (1)

Sister Chen: We are busy making money every day in our lives, in fact, in order to make ourselves and our families live better. Although this is our responsibility, sometimes we have to spend some money reluctantly, but we have to spend it. The most terrible thing is that we have to spend the money originally prepared for retirement or illness, but we have to spend it on our families. Do you think I'm right?

In order to ensure foolproof, we can make a reasonable plan for our hard-earned money through special financial tools, so that you can share your wealth with your family and ensure that you have exclusive space all your life, don't you think?

General Income Speech (2)

Sister Chen: Many customers who have bought insurance know that the biggest feature of insurance is to leave insurance.

The insurance company's money really belongs to you, because the money left in your hand is likely to be spent or borrowed by relatives and friends for one reason or another, and the money is shared by your family, thus breaking your original plan. The money left in the insurance company can not only be kept for your own use, but also guarantee the happy life of you and your family. Look how good it is.

General customer speech (3)

Root customer demand classification

Education fund reserve

Our colorful life is different from the previous education fund insurance. you can

In order to choose the time and amount of any access according to the size of children's educational expenses in different periods. If your child has little financial pressure when he goes to elementary school or junior high school, you can leave it alone and use it when he goes to high school or university. It can also be simply used as a special education vault, and the annual expenses for children's schooling can be taken out from the vault at any time. Anyway, you can take it once a year or at any time. In short, you can use it or whenever you want. How good do you think this is?

Medical expenses fund

General medical insurance for serious illness can only solve limited diseases, but can't solve the problem of ordinary outpatient expenses, and ordinary units can't solve these problems.

Cost, but this problem is your concern. Our colorful life not only has the function of general medical insurance to protect serious illness, but also can be used as your general medical expenses reserve, which can be opened at any time when you need it to solve this worry for you. What did you say?/Sorry? Pension subsidy

The problem of providing for the aged has become a major topic of modern people's concern, but at present, almost all the old-age insurance payments in the market are relatively high and the pressure is relatively high. We Caihua Life Insurance only need you to open an account, so you can have money at any time and invest at any time, with more money and less money, and there is no limit to how much, and it is not limited by time and amount at all. In other words, it supplements the deficiency of social endowment insurance. Once the income is not enough, you don't have to worry about the loss, and you can also reduce the pressure brought by annual payment. Let me introduce its specific function to you? High-end customer dialogue

Classification according to customer investment type

Rational type

Chen: I recently attended a lecture on investment and financial management, and I want to talk to you. Of course, I mainly want to ask you. I find that you are different from some people. When you talk about investment and financial management, you emphasize the safety of funds in the process of investment and financial management. When I was listening to a lecture on financial management this time, experts said: From the perspective of scientific investment and financial management, the combination of various financial products is the best way to manage money. This coincides with your financial thinking. Our company has newly launched a wealth management product, which is very suitable for smart and rational investors like you, and can make medium-and long-term investments (simply list the advantages of the product). Today, with the investment of the whole people, it has been welcomed and loved by the general public. Shall I explain the benefits to you in detail?

Conservative type

Although the investment market is very active this year, funds and the stock market are soaring all the way, most people are still willing to put their money in the bank like you. Although the income is not high, there will be no ups and downs in the stock market. To put it bluntly, more pictures are about the safety of funds. Our company recently launched.

A product can make your money lying in the bank "live" at once, and also ensure the safety of your funds, and you will never lose money. May I introduce you to this investment product that is very suitable for you?

Speculative type

Now investment pays attention to diversification of channels and combination of long and short. The former said that money should not be put in one place; The latter means that the investment period should combine long-term investment with short-term investment. I thought you said you bought some funds. It is true that the fund market is very good this year. It's a pity not to buy them. However, from the perspective of scientific investment and financial management, combining various financial products into short-term, medium-term and long-term investment projects is the most risk-resistant combination. Our company has newly launched a wealth management product with long-term investment and good safety. As soon as it went public, it was loved by the general public. May I introduce it to you?

explanatory statement

Sister Chen, our "Caihua Life Insurance Comprehensive Protection Plan". It is a universal life insurance product. The benefits and characteristics of this plan are mainly reflected in the following five aspects:

1, the insurance amount can be adjusted flexibly, and it is specially designed for personal mortgage to ensure family financial security.

2, comprehensive protection, to avoid the pressure of death and disease to the family.

3. A highly flexible payment method makes the old-age security completely independent.

4. Risk coverage is decreasing, and personal accounts are growing faster and faster.

5. Not surprisingly, you can adjust to the old-age savings plan.

The general plan can:

1. Set up a personal account for you in the company to help you solve the dual problems of safety and financial management, and effectively increase your assets while enjoying personal safety.

It is very flexible. You can increase or decrease your protection amount according to your needs. You can withdraw money at any time when you need it, and you can make additional investments when you have sufficient funds.

3. The cost is transparent and clear at a glance.

Specifically, as long as your policy takes effect, you can first set up a personal account in the company, which is your tool to solve the security and financial management; Secondly, after deducting the initial cost from your annual premium, you will enter this account, and experts will help you manage your finances, so that the account funds can be preserved and increased; Thirdly, in terms of security, you can choose a certain amount of security by yourself, and deduct the corresponding security fee from the account according to this amount every month. According to our last communication, you need higher security now. You see, I designed a limit of 500 thousand for you.

As the demand changes, your focus may turn to financial management. At this time, you can appropriately reduce the amount of protection, save the cost of protection, or increase investment, so that this plan can be more closely combined with your needs;

We will report your expenditure, investment and income to you every year, and you can clearly understand the operation of your plan through the annual report. Of course, you can also inquire at any time through the company's telephone and service personnel.

How to explain the initial cost?

The initial cost and guarantee cost are the costs that must be paid to maintain the guarantee income and investment income given to us in the plan, as well as the income we get.

It has nothing to do with the initial cost and guarantee cost.

You must have planted a tree. We plant it in the hope that it will grow up and bear rich fruits, but if we are reluctant to buy saplings, the fruits will definitely not bear fruit. The initial cost is like buying saplings. Tree species are good, and it is difficult to grow without watering and fertilization?

The guarantee cost is the same as fertilization and watering. There are many metaphors: driving a taxi, opening a clothing store and other business investments.

Explain the insurable interest item by item according to the electronic proposal.

1, personal protection

Last time you said that your house was bought by loan, and the loan interest rate was over 6%. More than 300,000 houses have to pay back 500,000 yuan to the bank with interest, mainly relying on your salary income. Under your care, I believe your family must feel extremely happy, but life risks are everywhere. If one day something unfortunate happens suddenly, your family's happy life can't be guaranteed and their life will be affected, then we should make full preparations. This plan has prepared a guarantee worth 500,000 yuan for you, which not only ensures the stability of your future life and your family's financial security. what do you think?

2. The insured amount can be adjusted.

G: My friend and I are in the investment business. When I have money later, I can pay it back soon. That's for sure. I believe it's not difficult for you. Your career is thriving. In fact, this plan also takes this into account. You see, your insurance amount can be adjusted. Within the limit, you can increase or decrease your insurance amount when necessary. With the repayment of the loan, we can adjust the minimum living allowance, save money and use more money for investment accumulation. Moreover, if you work so well, your quality of life will definitely increase with your income and your social status will also increase. At that time, or if you want to buy a bigger house and spend more money on children's education, you may need higher security. This plan can completely help you achieve this.

3. Medical security

I don't know if you have considered what would happen if your family didn't have your income. As the economic pillar of the family, caring for your body means caring for your family, isn't it? The occurrence of diseases will not only affect family income, but also bring heavy pressure to families, and huge medical expenses will drag down a family. However, there is a big gap between the medical security of social medical insurance and the actual medical expenses. Therefore, in this plan, I specially designed the medical insurance part for you, which can not only protect 25 major diseases, but also withdraw your usual minor outpatient expenses from this account at any time to supplement and improve your medical insurance. In this way, there will be no gap in your medical security, and the occurrence of any disease risk will not affect the happy life of you and your family. This is exactly what you want, isn't it?

4. The guarantee cost is low.

For this plan with high return on investment and comprehensive guarantee, you only need to open a universal account in our company. Your annual security fee is only 585 yuan, and you can't go to 50 yuan every month. Your account is calculated with daily interest and monthly compound interest, so this account will grow steadily and rapidly. Your investment is 654.38+ten thousand yuan. According to the most conservative return on investment, after two years, your account amount will be paid off, and the account amount will continue to increase every day, month and year, which is equivalent to enjoying a high guarantee of 500,000 yuan for life without spending money.

5. Investment and savings functions

Customer: If I have no problem, is the money wasted?

C: No, it can be used as a pension for you and your family. We have specially prepared an "independent account" for you. Please read the proposal. Most people will open several accounts in several banks. Joining this insurance plan is equivalent to opening a "universal account" in an insurance company. As your account, you can deposit money regularly and irregularly (extra premium).

You can also withdraw money at any time.

Moreover, this account will calculate interest for you on a monthly basis, but the interest is floating and linked to the investment performance of the insurance company, but we will ensure that the lowest interest rate given to you every year is not lower than.

2.5% (higher than the bank's one-year after-tax interest rate). There is also interest on the principal rolled in next month, which is actually compounded monthly. You see, if you don't give up halfway, the money will be nearly 200,000 in 20 years and 300,000 when you retire at the age of 60 (calculated at the minimum guaranteed interest rate of 2.5%, the current rate of return will be higher), which is a very safe, stable and sufficient source of pension. Moreover, the insurance company also provides you with 500 thousand protection.

6. You can pay extra insurance premium.

If you think this plan is a good savings plan in the future, you can invest more at any time, and save the extra money to enjoy the investment income when the funds are abundant. You see, a profit of 2.5% will make a profit in less than two years. Our company's investment performance has been good. Last year, the average return rate of our company's universal investment income was above 6%.

6. Flexible collection

Although this account is opened in an insurance company, the use of account funds is very flexible. The funds accumulated in your account can be partially collected when the capital turnover is difficult, or can be collected as the children's education fund for your children's college stage in a planned way, without any charge and without affecting your guarantee amount. A lucky person like you will have a glorious life, and this plan allows you to receive the savings in your account as a pension once or every year after retirement and enjoy a high-quality old age. what do you think?

7. Special reward for continuous payment

You see, Mr. Chen, as long as you pay the fee on time every year, after the tenth year, our company will give you an extra reward 1200 yuan. As a reward for loyal customers like you, the money will be deposited directly into your account. If it is accumulated at the lowest income, it will not be a small amount by the time you retire. Of course, I will do a good job of helping you pay in 2008.

Promote speech

Do you think it is necessary to increase the insurance amount of this plan? If there is nothing unclear, please sign here (signature of plan and insurance), and I will send your plan to the company in time to open this universal financial account for you, so that your financial plan can be put into operation immediately.