How to tactfully refuse to buy insurance so that he will no longer sell insurance?

The following methods:

1. Ask the other party some professional questions.

In view of the limited professional level of most people selling insurance, we can show "I am more professional than you" through some questions to make the other party give up.

For example: What are the types of claims for critical illness insurance? How should we read the physical examination report? What conditions affect health notification? Can insurance companies fail?

Most of the answers to these questions cannot be clearly explained by new salespeople. If the other party cannot explain clearly, we can logically say that we need to think about it again.

2. The product is not suitable.

Offline products often have certain financial management properties, and the protection strength of these products is lower than that of pure protection products. If relatives and friends promote these products, you can reject them by saying that you think the insured amount is too low, or that the protection is not adequate, or that the annualized income is not high enough.

In addition, due to the complex design of insurance products, such as the number of claims and exemption conditions, it is difficult to have a comprehensive product, so you can also find one or two services that the other party’s products do not provide, indicating that these It is what I need, so I cannot insure this product.

3. The product is too expensive.

This method is the simplest and most direct. You can tell the other party that you have other arrangements for your expenses, such as buying a house or a car; or you can tell the other party that you have exceeded your budget, and it is not more than one or two points, or you can show it directly to the other party. Products in better condition.

At this point, relatives and friends should also know what you mean. If the other party is still determined to force the order, then there is probably no need to think about how to be tactful and you might as well get straight to the point.

Sales method requirements.

Originally, the normal sales logic of anything is "you just want it, I just have it." However, in the past ten years, the sales of insurance have not been like this.

From internally holding morning meetings, training, and serving chicken soup to employees every day, to externally doing things like visiting, sweeping buildings, making phone calls, and texting, and marketing through friend circles? The insurance industry needs practitioners to stay in a position full of energy. The situation even requires practitioners to "create" a need for friends around them.

In fact, everyone’s risks do exist. If we can truthfully analyze and recommend insurance products sincerely, it will be a good thing for both the salesperson and the policyholder.

However, the pressure to complete the order has changed the taste of many things that could have been more warm.

In the end, this urgency for performance evolved into what everyone saw: "Since Lao Wang sold insurance, he talks about it every day and asks three times a day. It's annoying to death." You must have some sales friends in other industries around you, but other people don't promote their business every day, so it seems that there are particularly many people selling insurance.