1.
Customer: I can't afford the premiums, I don't need insurance.
Preservation field: "Mr. xx, if that's the case, you need more insurance, in my insurance work for several years, I y appreciate that people with money, not necessarily need insurance. Because we don't have money, in case we get sick (or our children get sick), where will we get the money to pay the huge medical bills? And this insurance you're taking out can help you pay for it, for a small premium.
"Mr. XX, if the doctor says that you or your family must be hospitalized for surgery, you would say to the doctor, "I'm sorry! I can't afford to pay for the medicine, so I don't need the surgery. Would you say to your children, 'I'm sorry, son, because I don't have the money to pay for your medicine'? So, Mr. XX, for the sake of your family's medical expenses, for the sake of your children's education, for the sake of our future old age pension, isn't it worthwhile for you to pay XX dollars a day? Don't you think you can afford it?"
2.
Preserving the field: What's more, the feature of life insurance is to create the maximum protection with the least amount of money, even for those who don't have any money, a little bit of saving every day, you can have this protection. Just as we buy a pair of shoes, at first feel a little tight, not very comfortable to wear, but after a period of time, it is as natural as paying utility bills, become a necessary expenditure on life, and become a habit, and wait until the future when the old age period expires, to receive a sizable sum of money to do the children's education and marriage expenses, as well as their own retirement expenses, is not it very happy?"
3.
Preservation field: "Mr. Client, once I went to the hospital, to see a friend, in the emergency room to see a little boy, probably abrasions, his face is all blood, the doctor rubbed medicine for him to check, he did not scream at all the pain, just clenched his fists fiercely, and everyone praised him for his good bravery. Later, the doctor told the father that the child must be operated quickly, otherwise there is a risk of blindness, but the father only whispered: 'I don't have money'. After saying that, he held the child to go out, at which time, the child violently bawled, and later, I often think of that little boy and wonder what happened to him now."
"Mr. Client, how can a parent bear to say that they can't afford to pay the medical bills and leave their child blind? How can a parent say they can't afford to pay the premiums and let their child go without food one day and not get a full education?" Keeping this policy in force is your responsibility to your child and your family!
4.
Preservation field: "Mr. Wang, you can turn the whole into zero and save only XX yuan per month. As for your view that premiums are expensive, we might as well discuss it. I think a person who loses the ability to earn a living, the living expenses of his wife and children, education and medical expenses, these are the expensive expenses, and these can not be left unpaid. If the head of the family is not prepared, in the event of an accident, these expenses will have to be borne by his wife and children, or even turn into debts, can you bear to see this happen? Why don't you take advantage of the time when you are young and strong and can make money to give yourself a foolproof preparation, so that your family can reduce the unnecessary burden, don't you think so?"
5.
Preservation field: You can really tell jokes, like you such a successful person will have no money? You are not on our company's services or terms and conditions have ideas, but it does not matter, if there is anything you can reflect directly to me, I will bring the comments back to the company, we can also improve ah.
6,
Preservation of the field: no money for a while, it's okay, the company for customers like you such a momentary difficulty to provide a certain period of time grace, you can be prepared during this time to prepare for the preparation. In addition, we have to make a survey: you are still satisfied with the insurance you bought and the company's service?
7,
Preservation of the field: there is an old saying: the poor buy protection, the rich buy value. If the economic status of the temporary difficulties will be more have to be carefully calculated. The more you are broke, the more you have to have insurance awareness, in case of accidents, there are insurance companies to step in, life protection will not be affected too much, do you think so?
8.
Preservation field: Mr. Wang Hello, difficulties are temporary, anyone will encounter. But one should never consider giving up coverage, because the more this happens the more our family needs coverage. You think I'm right? The end of the grace period is fast approaching, so in order not to permanently invalidate your policy, please make sure to pay your premiums by the 16th of next month!
9.
Preservation field: You are too modest, with your financial strength, this premium is not a problem for you at all. You see, you smoke so many cigarettes every day, how much does it cost? As long as you smoke fewer cigarettes every day, the premiums are all there and it's good for your health.
10.
Protecting the field: If you just have a temporary shortfall in turnover, you have to let the policy lapse, then you will lose the protection, and the return of the money is not much, and later on, when you are older and then insured, the same coverage but also pay more premiums, how uneconomical ah. It's better to rationalize your financial situation now and continue to pay the premiums to keep the protection!
11.
Preservation field: Master Zhao, the more difficult the economy, the more you have to think about it, insurance is not a luxury, but a necessity of life, the family has insurance in mind, you have to set aside the living expenses every time you are paid, but also set aside the insurance premiums, the life of a guaranteed life is a normal life. Don't hesitate any longer. In fact, you are not so difficult that you don't have this little premium, right? You can see me coming over tomorrow.
12.
Preservation field: I think a successful person like you, now the premium has not been paid, certainly not for any financial reasons, is not to our company is not too familiar with the contents of the terms and conditions are not too clear. Look at your home is so beautiful, arranged so cozy, of course, insurance can not be less, in fact, insurance is like your home security door, to provide absolute security and protection for your family. Let me tell you more about the benefits of this insurance.
13.
Preservation field: Mr. Wang, from your home decoration, speech and behavior can be seen, you are definitely not a financial constraint. You are very successful in other investments, in fact, insurance is a risk-free investment, and when the risk comes, it can also reduce the burden of the family for you, such an investment for people like you have the brains to manage the money and have a party on the people need more.
14.
Protecting the field: You are worried about the change of life and are not confident about the future economic situation! Then have you ever thought, in case of poor economic status, and meet the unexpected event, what should you do? You still keep this protection, these problems to the insurance company, their own focus on work, to earn money is not better? So, you might as well pay your premiums!
15.
Preservation field: If you surrender your policy now, there will be no financial loss to our company, but it will be a big loss to you personally. Your current financial difficulties should be temporary, you may wish to think of other ways. Moreover, our company has given a certain grace period for customers in your situation. If you really can't afford to pay because of financial difficulties, you can choose to reduce the amount of insurance and other ways to minimize the loss. I hope you will give it some thought.
16.
Protecting the field: "There is nothing that can't be sick, nothing that can't be broke". Your current financial difficulties are only temporary, I believe that with your ability will be able to get through this period. You now need more protection, do not give up this protection because of temporary difficulties. You have bought such a good insurance, the insurance company is your strong backing, as the saying goes, it is good to ride on the back of a big tree, to ensure your family's happiness and peace.
17,
Preservation of the field: you did not hesitate to apply for this insurance, and certainly also consider the ability to pay fees in the future, and you are insured, generally more cost-effective than the current or future insurance, such as you now choose to withdraw from the policy or reduce the policy, the loss will be very large, and I believe that your current economic difficulties are only temporary, if you then two years of economic ability to get better If your financial ability improves in two years' time, it may not be as convenient for you to take out an insurance policy now, and the conditions of taking out an insurance policy will be even more stringent. Therefore, I think you should still find a way to pay the premium for this period.
18,
Protecting the field: As the saying goes, "more money has more flowers, less has less flowers", in the case of life is not good, the insurance can show more to cope with the protection of unexpected accidents and the importance of, and then again, insurance is also a kind of mandatory savings, the insurance can be for you to accumulate a lot of wealth it! If you really can not afford to pay, you can discuss with your children to see if they can help you to pay, when they benefit is, so also reflects their filial piety to you, you also have some protection in old age, do you think? (For older customers, you can suggest that their children to pay, but the beneficiary to change to their children)
19,
Preservation of the field: I understand your situation, who will encounter temporary difficulties, you can break down the year's premiums into 12 months, and each month, only a few tens of dollars (a few hundred dollars), you can be a big into a small, into zero, unknowingly save enough money, so that should not be so nervous, and then you can not be so nervous, and you can not be so nervous. That way you shouldn't be so nervous, and you'll be able to continue your love for your loved ones and children!
20, preservation of field: you now refuse to insurance that is very smart, when the future insurance refused you will be your great sorrow. Insurance is like water is a necessity of life, rich people drink Coke, no money people drink water, but are inseparable. People who have money can buy the value of the body, people who do not have money to buy protection. So you might as well pay your premiums.
21.
Protecting the field: I know you are an extremely responsible person for the family, you bear the burden of the whole family's living expenses, a lot of pressure, but in terms of your ability, this is a little bit of premiums is not difficult for you, not to mention that as the head of the family you are in fact the most in need of this protection, if you do not have your own insurance, the other will be even more difficult to protect, do not you think so? I hope you will think carefully about this for the sake of your family.
22.
Preservation field: Mr. Zhang's difficulties are temporary, the grace period of our policy is set up for this purpose, you can use this time to find ways to raise funds, I think when you buy this insurance, it must be out of the real-life needs of the purchase, I believe that you will be able to get through the difficult times. The insurance can be returned, but the risk is not, so please think about it carefully.
23.
Preservation field: Mr. XX, I don't know if you have ever thought about it, but you are the pillar of the whole family, the more difficult the economy, the more you need this protection to ensure that your family's life; not to mention that with your financial management ability, this little premium is nothing. Even if you have some financial difficulties, it will only be temporary and won't have any impact on you!
24.
Customer: My life is too heavy now, I can't afford to buy insurance.
Preservation field: I understand your current situation and mood, but the more difficult the economy, the more you need to protect, because as a pillar of the family you, in case of any accident, how will your family live in the future? If you are really in financial difficulty, you can first apply for a reduction in insurance, and then restore it when the economy improves, what do you think?
25.
Customer: I really want to renew my policy, but I don't have the money.
Preservation field: In fact, insurance is an essential thing in our life. If you are in good health and have a stable income and feel that you don't have the money, in case of any accidents don't you have no source of protection? The more you feel that you don't have money, the more you have to think about the future!
26,
Preservation field: your current situation is not really difficult financially, you are the company's services or terms of any doubt, I can explain to you, but also hope that you can tell me the real idea, so that I can better serve you, but also hope that you can put forward a good opinion, better establish the image of our company. (Diagnose the real reason speech)
27.
Preservation of the field: even if it is really a financial difficulty, it is short-lived. If you miss the payment period, it is possible that you will pay more than this premium. Because illnesses as well as accidents don't discriminate, they won't wait until you're in a good financial position to show up, and if you're sick even if you're in financial difficulty you'll have to spend money on treatment, and by then your burden will be greater. It would be better to save a little money every day and buy yourself protection.
28.
Preservation field: Sister, I understand your situation very well. Insurance is an umbrella, a backup, your responsibility and love for your family. If you just give it up, it's the same as throwing the umbrella away when the sky is clear, and it's the same as abandoning your love and responsibility to your family. What should you and your family do when the storm comes? Let's think about it together.
29,
Preservation field: Brother, what you say I very much believe. With your personal ability and vigor you will definitely get through the difficulties safely. The current difficulties are only temporary for you. I believe your tomorrow will be better. I don't need to say that you understand the function of insurance, it is responsibility, love, giving and sharing. It is as important as your career. How about I come and collect for you at the end of the month?
30,
Protecting the field: many people do not want to pay premiums, not because they do not have the money, but because they take the insurance very lightly, the family responsibility is not in the first place, then naturally the slightest difficulty can not afford to pay the premiums. And diseases, accidents and other problems will not wait until you have the ability to pay premiums when it comes.