Why are insurance people so annoying?

Although there is no distinction between high and low occupations, people still wear colored glasses when talking about some occupations, such as selling insurance. There is a joke that a stranger in a suit came to see you. There is no doubt that he must be selling insurance or intermediary. An old classmate who hasn't contacted for a long time suddenly sent you a short message. It must be WeChat business or selling insurance to you. Many people are afraid to avoid insurance like the joke above. However, insurance is very important to us and can be used to prevent accidents and risks. However, in normal times, people are always disgusted with people who sell insurance.

In the insurance industry, people who sell insurance are usually called insurance agents. According to relevant data, by the end of 20 17, the number of domestic insurance agents has exceeded 8 million. With the increase of the number of insurance agents, we will also find more and more people selling insurance around us. The insurance industry has a great demand for employees. Generally speaking, insurance companies adopt "crowd tactics" to achieve certain performance goals. So we will see that many insurance companies are recruiting people all year round. In addition, the entry threshold for selling insurance is relatively low, so if many people don't have better jobs, selling insurance becomes an option.

However, there is a great turnover in the insurance industry. On the one hand, because wages are linked to performance, some people can't bear the pressure of assessment; On the other hand, insurance companies are unpopular and have low social recognition. Therefore, when there is a better choice, someone will leave the insurance industry. So, why are insurance salesmen unpopular? These four reasons show that.

1. Insurance salesmen lack professional knowledge.

There are millions of people selling insurance now. However, many people who buy insurance look unprofessional. They always use some gimmicks to attract people to buy insurance. However, for a person, if you want to buy insurance, you need a professional introduction, not just asking you to pay the bill. After all, many people have a one-sided understanding of insurance, and some premiums are not low, so Kendong needs to know more in the early stage. But many insurance sellers are unwilling to communicate with them because of lack of professional knowledge.

2, antipathy to the sales model of insurance salesmen.

Many insurance salesmen mainly sell insurance policies, without paying attention to the real needs of customers to configure insurance, and customers can't understand the importance of insurance in solving future risks. This information asymmetry and demand mismatch lead to communication differences between buyers and sellers, and both parties can't better establish an effective connection of risk distribution mechanism, which leads to consumer resentment.

Secondly, in the eyes of many people, some insurance salesmen have "ruined" the insurance industry. Every insurance salesman will have certain assessment objectives. However, in order to achieve these goals, insurance salesmen will choose to sell from people around them. When people around you have completed "propaganda"; They need to re-develop new customers. Once someone is interested in insurance, the insurance salesman will "never let go" and hope to reach a single order. Therefore, under this sales method, people are "afraid" to know about insurance, so they refuse it directly.

3, claims (exaggerated insurance)

"It is easier to buy insurance than to settle claims", which is a topic that has been discussed in society. It will also make people who have never bought insurance or have had insurance claims experience subconsciously think that insurance is not good for claims, thus affecting the image of the insurance industry.

In fact, the difficulty of insurance claims is the reason of both parties. On the one hand, customers are not clear about the purpose of buying insurance and the problems that need to be solved. Some customers or insurance agents did not tell the insurance company the true health status before signing the contract, which led to the insurance company refusing to pay compensation according to the past medical history in the follow-up claims. On the other hand, sales are misleading. Some insurance salesmen sometimes sell insurance, exaggerating insurance responsibilities and interests, which leads to differences in customers' understanding of claims in the future, which leads to differences in claims definitions when claims risks occur and also increases claims disputes.

I don't think I need insurance.

Many people do not have the concept of buying insurance. As we all know, insurance will play a certain role when some "accidents" happen. But many people feel that it is far from the "accident" and there is no need to buy insurance. Once they buy it, they don't need it. Isn't this a waste? Under this psychological effect, many people have no intention to buy insurance, so there is no need to listen to the introduction of selling insurance.

Because of this, we may have resistance when dealing with insurance sellers. Because the number of people receiving insurance is relatively small, this also leads some insurance salesmen to sell insurance to seven aunts and eight aunts, and then resign because they can't find new customers.

But disgust can't solve the problem. Especially after the outbreak of the epidemic, people pay more attention to the prevention of insurance, and buying insurance has become an inevitable choice. According to the survey of Rong 360, more than 70% of the respondents said that after the epidemic, they will increase the purchase of insurance products such as critical illness insurance and medical insurance.

There are five principles to follow when buying insurance. 1. Make basic guarantee first, and then make savings guarantee; We should protect adults first, then children and the elderly. Parents are the greatest protection for children. Inherit the wind is the same. Everyone wants to give their children more, but only insurance, parents' own insurance is the embodiment of loving their children. Without insurance, children can't be guaranteed. Buying insurance only for children is the biggest misunderstanding of family insurance in China; 3. First protect the first economic pillar of the family, and then protect the second economic pillar of the family; 4. Protect the big risks first, and then protect the small risks; 5. Look at the terms first, then the contract. What do you want to say about this? Please leave a message!