How to negotiate insurance with mid- to high-end customers

When communicating with mid-to-high-end customers about insurance, we used to “sell” insurance. Accident insurance and health insurance were viewed from the perspective of protection; participating insurance and universal insurance were viewed from the perspective of income, telling customers that the essence of insurance is “in "There is a known amount of money in the unknown days in the future", but it is always impossible to make big orders, the premiums are not high, and the income is not high; now, how do we communicate with customers about insurance, making big orders, and high income? 5 steps to communicate The true meaning of insurance The needs of rich people How to make money to make money Rich people need to keep their money The role of financial insurance The true meaning of insurance now The true meaning of insurance: reasonable allocation, asset preservation, and avoidance of financial risks so that the future can be predicted There is a sum of money that maintains, increases in value, and does not depreciate in value. Note: In the foreseeable days in the future: I will definitely grow old, so I will need money for retirement; my children will definitely grow up, so they will need money for education; inflation will definitely continue, so I will need money that will not depreciate. Communication 5 steps The true meaning of insurance The needs of rich people How to make money to make money Rich people need to keep their money The role of financial insurance The needs of rich people Money makes money + Keeping money Rich people (5 million assets) Money makes money ( 80, 4 million for investment) to keep money (20, 1 million for insurance) Communicate the true meaning of insurance in 5 steps The needs of rich people How to make money to make money Rich people want to keep money The role of financial insurance How to make money What is money begetting money: 1) Money begetting money means using money to invest in order to obtain high returns 2) Money begetting money is like an offensive player on a football field who wants to score goals 3) The benefits and risks of money begetting money are matched , high returns are accompanied by high risks, and may even lead to heavy losses: How to make money to make money Merrill Lynch's "Merrill Lynch Investment Clock" theory proposes that different products should be invested in different economic stages How to make money to make money Characteristics of different economic stages 1) Decline stage a. What is recession? Recession means "friends around you lose their jobs" b. What should be invested in during the recession stage? Bonds 2) Depression (stagflation) stage a. What is the depression? Depression means "you yourself are also unemployed" b. What should be invested in the depression (stagflation) stage? How cash generates money Characteristics of different economic stages 3) Recovery stage a. What is recovery? Recovery means "the things you sell are getting more and more expensive" b. What should be invested in during the recovery stage? Stocks 4) Overheating stage a. What is overheating? Overheating means "the things you buy are getting more and more expensive" b. What should be invested in during the overheating stage? Commodities, gold