Insurance is a kind of protection for people, there are many kinds. People hate insurance because of misleading sales.
This is a video that is very popular in Shake Shack. Mr. Li's mother bought a pension annuity insurance 10 years ago, when buying insurance, the salesman said: this insurance can be old age, retirement can be received directly, do not have to worry about money. Ten years, Mr. Li's mother a **** paid 61150 yuan premiums, at this time want to surrender, but can only get back 58000. and according to the original plan, showing that this time to surrender, the proceeds should be 160,000, the reality of the businessman's mouth with the proceeds of the difference is very large. Later figured out the reason, Mr. Lee's mother bought a 50,000 insurance program, but the salesman in the sales pitch but took a 100,000 insurance plan to show the earnings, naked sales misinformation.
Faced with the insurance company, Mr. Lee angrily questioned: ? Is the insurance company raising my mom? Or is my mom raising your insurance company? So pay $60,000 and pay $50,000, should I buy this kind of insurance? According to Oliver Wyman data, the size of China's insurance premiums, including life, health and property and casualty insurance, is projected to grow from 4.3 trillion yuan in 2019 to 8.6 trillion yuan in 2025, with a compound annual growth rate of 12.4 percent during the period. This is expected to reach 4.5 trillion yuan by 2020.
And as the giant enterprises in the domestic insurance industry, Ping An of China and China Life and so on have performed very well in recent years. Public data show that Ping An of China realized operating income of 629.956 billion yuan in the first half of 2020, and China Life realized operating income of 513.735 billion yuan in the first half of this year, with their revenue occupying half of the industry.
Objectively speaking, although with the popularization of health insurance and other things over the years, people have a more comprehensive knowledge of the insurance industry, but there are still a lot of people in our country, they are for buying insurance is a nasty attitude, mainly in terms of a particular aversion to dealing with insurance personnel.
It is undeniable that the role of insurance is indeed very great, but why are there still many people in the country hate insurance? It's all due to the following reasons.
First of all, most of the insurance personnel are not good enough. There is no denying that I have seen many excellent and professional people in the insurance industry. But at the same time, because of the insurance industry, the turnover rate is very high, but also led to the insurance industry threshold is generally very low, no matter what people may become insurance sellers, there are fresh graduates, laid-off workers, and also square dance ama?
Insurance actually has to be measured according to the financial situation of each insured person, and the characteristics of the insurance that best suits the insured person. However, we can see that nowadays many insurance salesmen, after two or three days of training, only remember how to carry out sales promotion, how to promote the transaction, and no other knowledge at all.
Secondly, insurance contracts are often associated with insurance salesmen's ? The first is that it is not a good idea to have an insurance contract. The insurance contract is often very different from the insurance salesman's verbal promises, which can easily lead to disputes. Insurance contract, is very few people will go to study the thick to hundreds of pages of the insurance contract, the ordinary people even if seriously read, in fact, may not understand, because the insurance contract has a lot of terminology, the average person simply do not know what it means, randomly pulling out a, will make your claims become distant, or simply can not be established.
So it has been a regular occurrence in the marketplace that people have been getting upset with the insurance industry? Doesn't pay for this or that? s misunderstanding of the insurance industry, which has led to people's aversion to insurance. Finally, China's per capita disposable income and developed countries compared with the real gap. Now China's premium depth and density are not high, the fundamental reason is that the per capita disposable income is not high, and the mortgage has been two generations of people's wallets empty, which have spare money to buy insurance.