My answer is basically to suggest more comparisons and more understanding.
While they are all fans of Deep Blue Bowling, they are more or less envious in their hearts, but they are also suggesting to themselves:
Their abilities are not worthy of their desires now, so they have to work harder to make it work.
Including previous articles written in praise of Deep Blue Bowling, there are indeed many places to learn.
But often we see only one aspect, that is, the survivor bias, behind the many truths that we do not know.
The thing is, a friend who came to me for advice showed me the Deep Blue Bowl program.
Said he always felt something was wrong, but couldn't see it himself.
I looked at it and said the product alone was actually not a big problem.
Because the Internet information transparency, we can come up with the same products, unlike offline agents can only sell a certain company, and the price is unified who do not dare to mess.
The problem may exist is that a channel in order to encourage more single, will develop appropriate incentives.
It is like a 4S store selling cars at low prices, selling a single car is a loss, but at the end of the year to complete the sales volume set by the manufacturer will have a bonus.
So some parts of the configuration are older, which I can understand.
What's strange is that the critical illness insurance coverage is only 250,000, I asked him if it was a budgetary constraint to lower the coverage, he said no.
So the question is.
The first principle of buying insurance is to buy the sum assured, to maximize the leverage, and to pass on to the insurance company the small probability of high risk.
It is also the deep blue insurance is often emphasized:
Try to configure a life insurance, the amount of coverage is only 250,000 critical illness insurance.
If to 30 years later, in accordance with the rate of pain inflation medical costs rise, even now 100,000 are less than the data show that the cost of major illnesses in the 300,000-500,000.
Please ask me how I can face the major diseases? How to keep my family from falling into crisis?
The product is cost-effective, but it doesn't solve the real problem.
Some people say, "Doesn't Deep Blue Insurance have expert one-on-one service, or did you spend money on it, so who are you to question people's professionalism?
Really, there is no factual basis and where to persuade it.
In order to figure out the expert service behind, I decided to experience it myself.
First, let's go to the source of how Deep Blue Insurance acquires users.
Some of my friends know about Deep Blue Bowling by searching for articles, while others don't, such as Zhihu, headlines, and Baidu can be found on Deep Blue Bowling.
In fact, Shamrock has invested a lot in marketing.
For example, if you search for Mutual Insurance in Baidu
The first thing that comes up is an ad for Deep Blue, and when you click on it, it's a product page.
This practice is called SEM in the industry, which in layman's terms means buying keywords.
For example, if someone wants to buy critical illness insurance, they will search for "critical illness insurance", and then the first thing that shows up after they buy it is their content.
Of course, this will keep changing, you now go to search for the emergence of may be Ping An, life.
Find Deep Blue Insurance, fill in the phone number, and a customer service will contact you and add you on WeChat.
After adding customer service, I was expecting professional service, but it turned out to be robot-like words.
Is there really a so-called expert behind this?
Of course, it's called standardized processes, because it's so big that they try to standardize what they can.
I observed for two days, then sent over two product images.
It turns out that you are sending a one-click mass mailing of prepared content to customers, and then waiting for them to come forward.
I'm certainly not surprised, after all, that's how everyone is marketing, just get used to it.
As for the purchased one-on-one expert services ......
It's better not to overthink it.
I politely returned a thank you, finished and then recommended products to me,
Here comes the point:
I asked how to buy, told me that clicking on the link can buy.
No way, don't even ask if the health meets the requirements? If you don't, it's highly likely that there will be a dispute over the claim and it will be denied.
You advertise expert customization and needs analysis, and that's it? That's it?
Then asked the insurance company, after all, we do not know much about this area, want to have a peace of mind.
The other party replied: sales exceeded Ping An, a lot of customers, the company is reliable ......
Always rely on data to speak, objective and fair deep blue insurance will actually be so casual.
Maybe the expert is tired, maybe it is a new expert, or maybe it is a graduate ......
But then again, the users are your fans, they are willing to believe that you also have no mouth to blame, can only say that the leek cuts really fragrant.
Overall down probably process is this:
I send links, you obediently buy on it, it is best not to ask anything, and do not ink.
If there is a claim problem at a later stage go to the insurance company yourself.
What, you said you bought it from me? I'm sorry, it was you who didn't ask at the time, how can you blame me?
......
Having said that, I don't mean to denigrate anyone, because I've praised Deep Blue Insurance for doing a good job, and I basically don't rub anyone the wrong way.
Of course I'm not that great, many people come to ask how Deep Blue is doing, and I have to give an objective answer based on facts.
Then again, a little farther, a company bigger than just commercial value, there is social value, bear the corresponding responsibility, if only to harvest leeks, then doomed to go not far.
As a senior in the insurance industry for many years, I would like to say a few more words.
It is said that insurance is a very specialized financial product, in which there is a lot of information asymmetry, just like lawyers and medicine.
What users need then is a humanized service, not a machine mass mailing.
?
Insurance programs also need to be configured for each individual, not just dropped a link.
It is not an exaggeration to say that 99% of laymen do not understand insurance, you let him buy his own, just like newcomers to open an account to speculate on the stock market, the probability of all going to pay IQ tax.
Expert advice is not a casual perfunctory, since it is an expert, it should be all justified, more objective facts, less subjective judgment.
Many people say that the deep blue insurance sells insurance is also deserved, with the help of the acquisition of insurance licenses by capital, on the road to compliance, we also trust the deep blue insurance.
But as a person in the industry, I need to give you a reminder:
Don't think that deep blue insurance means professional, this is actually the biggest misunderstanding.
The real specialty must be something we can't see, and in a way the core of Deep Blue Bailout is the perfect exploitation of information asymmetry.
It is important to understand that insurers who concentrate on terms and conditions and specialize will leave if they are not recognized by the market.
?
By then the market environment of bad money driving out good money, once formed, will inevitably deteriorate.
For many people who don't care about morality, they can cut leeks at no cost, and that's the biggest dividend given to them in this era.
Further down the line, you'll see all kinds of deep blue bailouts of all sizes popping up.
Deep blue insurance live like a tycoon, leeks buy their own assured products, by the way, for their idols call.
Everyone is happy.