"Limited time", "special sale" and "clearance" are common sales routines, and insurance is no exception. Although it is a bad street routine, you can't try it with a person's trust.

I believe that everyone has seen this in the circle of friends:

The implication is that this is a good product and will be taken off the shelf soon. If there is no shop beyond this village, I will definitely regret not buying it. Under the temptation of such remarks, many small partners are afraid that they will not be able to buy them in the future, so they will place an order.

Not only that, but also some agents cooperate with insurance companies to "put on a show", make the countdown of product suspension, create the illusion that "the product is too good and the insurance company sells at a loss", and encourage customers to snap up. Embarrassed, within a few months, this discontinued product was revived.

In fact, the regulatory authorities explicitly prohibit insurance companies and insurance practitioners from misleading by "stopping selling insurance products" and encourage consumers to compete for insurance. Therefore, when you see someone in a circle of friends spreading insurance products that have been suspended, you must keep your eyes open. This is likely to be a hype.

Second, product upgrading.

In addition to hype, product upgrading is also a common marketing tool. There are many factors behind product upgrading, but in summary, there are nothing more than two points: competitive demand and stimulating sales.

Competitive demand: At present, there are nearly 200 insurance companies in China, and with the strong intervention of Internet insurance, the competition is particularly fierce. In order to seize the market, many insurance products have to be upgraded to meet the challenges. Take critical illness insurance as an example. Company A launched critical illness insurance for 50 diseases, followed by Company B with 60 diseases, followed by Company C.. ...

Stimulate sales: product upgrades can also better increase exposure and maintain the activity of agents in front of customers, thus stimulating customers to buy again.

But in fact, the upgrade may be harmless protection. With a little improvement, the product upgrade will be publicized.

In any case, the continuous upgrading of products is a good thing, which will make the insurance market fully competitive, but everyone should be cautious. After all, the advantages of insurance companies are not so good.

Third, the concept of stealing is not fully guaranteed.

Insurance is actually a highly standardized product, the core protection is actually the same, and the pure premium is similar. Some products are expensive in brands, sales channels and additional protection. However, the pricing of some products is too low, so we should pay attention to it at this time, which may be to make a fuss about these aspects:

1, charged by the day. Some agents use daily premium when promoting products; For example, 200 yuan's annual million-dollar medical insurance, with an average daily premium of only a few cents, can get millions of guarantees. Friends who are not sensitive to numbers may be fooled.

2. Lack of protection. For another example, although some critical illness insurance protects minor illnesses, the high incidence of minor illnesses is not covered. There are also some accident insurance, which will cover millions of accidental traffic deaths, but the amount of insurance for ordinary accidental deaths is not so high, which greatly reduces the claims.

3. Small profits but quick turnover. In order to explore the market, some emerging insurance companies will launch explosive products to benefit consumers. If they come across such products, they can buy them.

Generally speaking, the product guarantee with amazing price is not necessarily amazing. Therefore, judging the quality of a product can not only look at the price, but also combine the guarantee.

Fourth, expensive products are not necessarily really good.

Generally speaking, the products of big insurance companies are expensive, and insurance agents will tell you that "it is natural to be expensive". Elephant mushrooms have no objection to this. After all, the customer experience is better and there is a certain brand premium. However, the prices of some products are artificially high. Generally speaking, your product has the following characteristics:

1. It seems that there is a lot of protection, but in fact * * * enjoys the scope of protection: for example, some critical illness insurance has increased the responsibility of protection such as death and terminal illness. In fact, these guarantees are used together with serious illnesses. If you suffer from a serious illness first, other protection will be lost.

2. Increase security. For example, some million medical insurance increases overseas medical care and proton heavy ion protection; Critical illness insurance makes a fuss about the number of diseases and the way of payment. In fact, these guarantees are basically useless, and the premium has been increased for nothing.

3. Is it easier to settle claims? Some people think that the premium is expensive and easy to settle claims. In fact, according to the insurance claim data in the first half of 20 19, the odds are over 95%, and some companies even approach 100%. Judging from the limitation of claims, it takes an average of about 2 days from the time when the insurance company collects all the claims data to the actual payment. In other words, claims have little to do with premium, company size and brand, and whether claims can be settled smoothly depends on the contract itself.

Write at the end:

The most important reason for buying the wrong insurance is that most people don't know much about insurance, are easily interfered by agents, and finally can't buy products that suit them.

Finally, Xiang Jun said that when buying insurance, you must do more homework, communicate with professionals, think independently, read the terms carefully, and don't be greedy for petty gain and give in to temptation. We should also combine our own situation and proceed from reality, so as to find the products that suit us.