Guide: insurance agents should be professional and credible? Is it reliable? . Choose one? Is it reliable? Agent, and then there is? Is it reliable? A good protection scheme and less detours are what all prospective customers want. So, how can we make one? Is it reliable? What about the insurance agent?
? Is it reliable? Performance 1: Ask first, then open.
The most essential function of insurance is protection, and an excellent insurance agent should also put the protection of customers in the most important position. If an insurance agent pushes an insurance with financial management as the main function to a person without any insurance protection, or meets for the first time, in the communication process, he does not ask the customer's family structure, family income, existing insurance situation and other information, but focuses on the income of an insurance product and emphasizes how much money he can earn. This behavior shows that insurance agents. Not reliable? .
The value of insurance agents lies in helping customers understand their insurance needs and make insurance plans that consumers need. ? Is it reliable? When making a customer plan, our insurance agent will analyze the main risks existing in himself or his family from the actual situation of the customer, and then give the insurance plan in a targeted manner instead of blindly selling.
? Is it reliable? Performance 2: Dividend insurance does not break even.
The consumer didn't know what to buy, and the agent agreed to the annual return of 10%, and there were many dividends, so he bought it. This situation is not uncommon in insurance sales. In fact, consumers should understand that if there is a clear return, then there will definitely be relevant instructions in the insurance contract; And if the product is dividend insurance, then its dividend is definitely uncertain. These are basic insurance common sense. Is it reliable? Our agent will never fool people with his annual income.
In another case, for example, a customer has four insurance policies with risks such as reimbursement of hospitalization expenses and accidental injury medical insurance. What is this kind of medical insurance? Cost compensation? Features: when making claims, you need to deduct the part reimbursed by customers from other channels, such as social security and supplementary medical insurance for companies and groups. And then the rest will be compensated by commercial insurance. In other words, similar protection is based on actual medical expenses and the amount of protection? Reimbursement and sales? Consumers will not get insurance compensation that exceeds the total medical expenses paid. So? Is it reliable? Our insurance agent will investigate the risk gap on the basis of customers' existing medical insurance, and advise customers to set a reasonable medical insurance coverage according to their income and risk tolerance, and never imply that the higher the coverage, the better.
? Is it reliable? Performance 3: Long-term service and timely adjustment.
Except for short-term insurance such as accident insurance, the payment period of most insurance products is between 5 and 20 years, and the protection period is more likely to be as long as 30 to 50 years or life. In such a long time span, the insured will need follow-up security services, such as changing the address, payment account information, contact information, or beneficiary change. Although they can contact the insurance company directly, many people like to contact the agent first.
In addition, more importantly, as the family structure and economic situation of the insured change, the risk structure of the family will also change. From a two-person family to a three-person world, and then to the growth of children, the focus of the family security plan has also changed from ordinary life insurance and health security to children's education security and old-age security. ? Is it reliable? Our agents will keep close contact with customers for a long time, pay attention to the changes of customers' family risks, and remind them to make corresponding adjustments to prevent security gaps.
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