What tricks do insurance companies use?

Just be optimistic about the agreement before signing, and it will be fine. Don't listen to what the insurance officer says, everything is subject to the contract

I just don't want to lie to people, and I can't stand it in my conscience, so I left this industry. Let me tell you about my personal experience.

I was in college at the time, and my academic performance was usually very good, so the academic pressure was not great. After all, I wanted to enter society early and learn about the industry, and I didn’t want to work according to my parents’ wishes.

A classmate met a friend who said he worked in a bank, but actually sold insurance and could earn tens of thousands of yuan every month. If I wanted to make money, he could take me to their company with him. Give me a recommendation.

Later I learned that this was not an introduction. At that time, I thought it was a nuisance. In fact, it was a routine of the insurance company. It was clearly to recruit people. The turnover rate in this industry is too high.

He took me to their company. Their company is a Fortune 500 company. The company is very big. There are two floors of their office in an office building. It is also very tall and high-end. I think this office space is okay. Everyone inside wears a suit and tie, and everyone has a work badge hanging on their chest.

When I arrived at their reception room, a beautiful woman brought me a cup of coffee, and a beautiful manager came in to greet me and said a lot. Anyway, she could barely accept me into their company, but she must Work hard to achieve results and don't hold her back.

On the first day of work, I was notified by HR to obtain an insurance professional manager certificate. I read the book for three days and passed the exam in half an hour. Then get hired smoothly.

The department I joined is the bancassurance department, which is different from other commercial insurances. As the name suggests, bancassurance is insurance sold in banks.

Next comes the routines one by one. Newcomers must participate in training every day, and learn the skills of placing orders in morning and evening meetings.

The lecturer told us how to trick customers doing business in the bank:

1. Dress in the same way as the people in the bank, especially shirts and trousers. Exactly the same, this will make customers think that people from our insurance company are people from the bank. Generally, customers trust bank staff when handling business.

2. A person who handles deposit business. The target of bancassurance is to win over people who handle bank deposits and deceive them into bank insurance deposits. The main targets are people who go to banks to handle deposit business.

3. The elderly are a key population. The main target of bank deposits is the elderly. Why? The elderly have limited knowledge and information and have more traditional ideas. They are more trusting of state personnel and bank staff, are less vigilant, and are more likely to be deceived.

4. Substituting pillars and concepts. Let me first introduce you to a deposit business with high interest rates, much higher than the interest rate of bank deposits. When you sign it, it is not a bank deposit certificate, but an insurance policy. If you question it, he will tell you that you applied for it at the bank. Business is the same as bank deposits. Don’t worry, otherwise it would be possible to sell it in the bank. Dispel your doubts.

5. Bank insurance is divided into single payment and regular payment. Single payment: This is a one-time payment of insurance premiums. Regular payment: Depending on the period of regular payment, the insurance premium must be paid every year. For example, if 100,000 yuan is paid regularly for 5 years, it means that 100,000 yuan is paid every year. If the insurance premium is paid continuously for 5 years, the total payment is 500,000 yuan.

6. The agreed terms of each type of insurance are different. Some are guaranteed after a few years of payment; the principal can be guaranteed; some are unable to refund the money or a part of the money before the agreed time. In recent years, it should be almost There is no bank insurance that guarantees principal.

It’s obvious that you were tricked, not when you were depositing money, but because you were tricked into buying insurance for your children.

If you are tricked, you can try this:

1. If the purchase does not exceed the 30-day hesitation period, you can cancel the policy. Generally, you will not lose the principal, and you can directly When surrendering an insurance policy, under normal circumstances, after each insurance is sold, the insurance customer service will make a return call to you to record and collect evidence that you are sure you want to buy this insurance.

2. If you bought bank insurance because you were misled by the salesperson, you can withdraw the policy if you find your evidence, or if the insurance contract is not signed by you, and it will not affect your principal.

3. If you are misled by others and sign to purchase insurance without knowing the terms, you can also try to call the China Insurance Regulatory Commission to complain about the insurance company. If you are indeed deceived or misled, you will be contacted. An argument.

Of course, bank insurance also has benefits. General bancassurance products include accident insurance, with a limit of more than 1 million. In addition, insurance has the benefit of property preservation, that is, if you go bankrupt, your house, car All can be auctioned, but the insurance you purchased cannot be touched. This is all the training I received when I was doing insurance, and I think it is a benefit.

I only bought insurance for a few months because I didn’t want to face old people with gray hair in the bank every day and lie to them that it was bank deposits. Some old people really wanted more interest. I put all the money I have saved my whole life into it. Some are already in their 70s and 80s. How many years can they live? What should I do if I get sick and need money urgently and I can’t withdraw it?

Some elderly people are very stubborn. When I sell bank insurance to others, she insists on buying it when she hears it. I advise her not to buy it and refuses to listen, but I still don’t sell it to her. To be honest, I trick them into buying it. My conscience can't stand insurance.

Finally, I stayed in the bank seriously for two months and worked diligently. I never deceived an old man or misled a bank customer. I was very conflicted in my thinking and resigned within a few days.

Last month it was time to buy car insurance, so I logged on to the Ping An Insurance Company’s website to prepare for the purchase as I do every year. Following the prompts, I entered the license plate number, owner's name and vehicle information. Check it is correct, click to buy. What is strange is that a line appears: The model does not match, please contact customer service.

So I logged into the Good Car Owner APP on my mobile phone. I entered it again and the result showed that the ID card information was incorrect. Please contact customer service. I quickly changed my phone and entered the information, but the result was still the same.

I have no choice but to call customer service. The customer service lady was very polite and said she could operate it without any problem, so she quickly issued a quotation and asked me to click on the link in the text message to confirm. When I saw that the price was wrong, I asked what was going on. She said it would cost more than two hundred yuan to give me property insurance, but the money would be refunded to me later and she asked me to tell her my credit card number. This was the first time I heard of such an operation. I could only tell her that I would think about it again.

Two days later, I logged in as the car owner and tried again, but still couldn’t buy it. Seeing that the insurance was about to expire, I had no choice but to call customer service again.

Guess what the result will be this time?

The customer service staff was also very polite and asked me to hang up the phone first while she checked and called me. Soon, the call came and the same operation was done, asking me to click on the link to confirm the payment. When I saw the quote, it was still more than 40 yuan more. Because my car is rarely used, I buy compulsory traffic insurance every year. We are not in danger, and the price should be lowered every year. But she said the price was the same as last year, so I asked why the price hadn't been reduced. She said she would give me a property insurance policy, which was free of charge. I said you don’t charge me, so it should be more than 800. Shouldn’t it be this price? She said that the company requires selling in this way.

This time I was really angry, so I asked her what the property insurance covered, and she said it covered illness. I said, then I don’t need this insurance. This is your overlord clause. I want to ask your leader what’s going on. At this time, the customer service told me not to be angry. She would ask the leader for instructions and would get back to me shortly.

In about five minutes, she called back and said that she had recalculated, removed the property insurance, and asked me to check the payment. I browsed and found no problems, so I handed over the money.

I asked her why she couldn't buy it online, and she said she didn't know. Now many people are calling to say that it can't be done online and asked them to handle it.

I just want to say, Ping An Insurance Company, are you going to do this? In order to defraud customers of a little money, they caused unnecessary trouble to customers.

Have you also encountered the same situation?

There are no tricks in insurance, and insurance does not deceive or deceive people. It is the insurance companies that have ruined the insurance industry and damaged the image of the insurance industry.

In order to achieve their own performance, insurance companies only explain the benefits to customers when soliciting customers. The obligations that customers should fulfill are often not explained or even mentioned. In addition, most customers do not understand the insurance contract. can't read. (Insurance contracts often have small fonts, lots of content, and no explanation of professional terms. As far as I know, most people don’t read them all.) I think I was cheated by the insurance, but in fact, the rights and obligations of the customer are defined in the insurance contract from the beginning. It’s very clear that I won’t order it for you later. If you think you have been deceived, then the person who got you into the insurance deceived you. He has no good intentions towards you at all. He only thinks about his own performance and only tells you what is good and beneficial to you. What do you think about it? The insurance company will not tell you the obligations of the insurance company. The purpose is to get you to sign up for the insurance and he will earn performance.

The insurance industry is not at fault. It was the insurer who ruined the insurance industry. Customers should also make it clear that if they want insurance, they have to pay for it. With guaranteed rights, there must also be an obligation to pay. This is insurance.

Russian nesting dolls, tunnel battles, one pit after another. If you don’t have any money left, don’t take out insurance, it will trick you without negotiation! 50% of the insurance you pay is paid to the insurance officer. Think about it, can you avoid being cheated? Even if the accident complies with the contract, the insurance company may still be picky and lie! ! ! ! Don't listen to what they say about so-and-so being in an accident and how much compensation was paid. Such a large insurance company has only a few individual cases [satisfied]

I believe that few people have the time and ability to write complicated and long contract texts. Be patient and research, the best way is to stay away from insurance company salesmen and the so-called business managers!

Insurance companies all use tricks to lure customers into the policy. First, the policy is unclear; second, the policy is not in place; third, the multiple meanings of the words in the policy confuse customers; fourth, all the policies are misleading. If there is no detailed explanation to the customer about the sure death, no matter who takes the insurance will suffer a loss!

Insurance companies have many tricks, such as asking you to deposit money to give you insurance, or giving you dividends after you get insurance. , but the principal and dividends can only be withdrawn after 30 years, etc. Many insurance algorithms make it sound very cost-effective to you. In fact, it is not cost-effective at all. Some insurance types may cause you serious losses. It is very normal for insurance company personnel to run eight times a day. Because he signed an insurance policy, he could get part of the rebate. If she doesn't come out every day to find acquaintances, relatives, and his insurance, her salary will not be high, and her bonus may not be there. Anyway, I think there is no pie in the world, and it is right to stay away from insurance.

There are too many tricks, even children and young people will be bullied!

Nowadays, insurance companies only want money, and their deception methods are getting more and more outrageous. If you want to settle a claim, it will be difficult to do so. Insurance companies will always be reasonable and refuse to pay. If this continues, Chinese insurance companies will be shut down sooner or later, and they will lose their trust. Yu Min's fate.