104. Buy insurance now, what's the use of 1,000 yuan in the future or 2,000 yuan?
Answer: (1) If you feel that there are very few, you can add additional insurance at that time. Inflation is inevitable, and the money you deposit in the bank will also continue to depreciate.
(2) Like some of our company's life insurance insurance types, such as Ping An Changsheng and Increased Pension, you can buy a few more copies in advance, so the amount you receive in the future will be more than 1,000 yuan or 2,000 yuan.
105. My son grows up and he can make money. I didn’t use it for me to buy insurance
Answer: (1) Yes! My son can make money when he grows up, but I don’t know how much money he can make? Besides, if you buy insurance now, it will reduce the burden on your son.
(2) If you buy insurance, it means that you are a person with a sense of family responsibility and can also express your love for your son. Besides, who would think that you have an extra income?
(3) I believe your son will definitely not live on this money in the future, but this is just a manifestation of his love for him. Of course, when he takes this money, he will think of you and be grateful to you.
(4) But before your son is 16 or 18, or even 22 years old, you have to bear the expenses of his support and education! In the future, you have to pay for it yourself in college, and these fees are very high...
(5) Buy an insurance for your son, and you can proudly say to him: As long as you are here, I will take care of you!
106. You also need to go to the designated location for physical examination. It's too troublesome.
Answer: (1) In addition to requiring a physical examination when taking out insurance, you need to develop the habit of regular physical examinations in the future to prevent problems before they happen. You are too busy at work and must not have done regular physical examinations. This is not good for you. What's wrong with having the opportunity to have a physical examination now? It won't take up a lot of your time.
(2) You can go to the designated location to relax and let me accompany you, okay?
(3) Our company does a free physical examination for you, and no one else can definitely get it. Moreover, a physical examination is also good for you. Knowing your health, you will work more at ease.
107. The insurance amount of your company is too low
Answer: (1) Let’s do it like this! You first insure the maximum personal insurance amount specified by the company. As long as we wait until the company's deinsurance problem is solved, you can add insurance at any time.
(2) This is true. Your identity does not match the insurance amount of our company. Otherwise, you should take a step first and guarantee our company's maximum insurance amount of 1 million yuan. When our company's deinsurance problem is solved, will I provide you with additional insurance services?
108. You will basically die if you get these diseases. I can’t get benefits by buying insurance.
Answer: (1) You can cure these diseases now, but the medical expenses are too expensive and generally cannot afford them. But with the protection of our company, can our company always help you when necessary?
(2) Everyone has a common idea and does not want to drag down your family because of yourself. You buy this insurance now just to reduce the burden on your family, not to make a profit for yourself.
(3) There is a saying that "lightly wears" is not only physical but also psychological. Be carefree, feel relaxed, and devote yourself to your career, and you will definitely succeed.
(4) Society is progressing, technology is developing, and medical technology is improving. The disease that cannot be cured a few years ago is not a trivial matter now.
109. Don’t tell me these things. I’m very taboo about these things.
Answer: (1) But when these taboo things happen, you will definitely be at a loss. So is it too late to dig a well when you are thirsty? So it is best to think about it first and be fully prepared before it happens.
(2) I have a good wish just like you, I and everyone, I, don’t talk about getting sick, but I always don’t have enough confidence in this. If the disease is said, then as long as you remove the disease from the dictionary and no one talks about getting sick, will the disease on earth disappear? Obviously it is impossible, because some things are real and cannot be avoided even if you want to, so it is very necessary to buy major illness insurance.
110. You can’t even explain these diseases clearly, so you came out to run the industry
Answer: (1) I am a salesperson of an insurance company, not a professional doctor. I do not know these diseases thoroughly, but I don’t think it’s important. What’s important is that our company provides protection for these diseases.
(2) But one thing is certain that suffering from these diseases will definitely bring you and your family expensive medical expenses and financial burdens.
111. Your company's products are not as good as other companies. The insurance amount is too low and the terms are too simple to meet my needs.
Answer: (1) Thank you for accepting the insurance. It may be that the terms you are looking at are indeed deficient. Can we look at another clause? In fact, the terms are simple and simple, not as long and complicated as other terms, which makes you dazzled. You can choose between these two terms!
(2) Just as no one is perfect, the terms of insurance companies cannot be perfect, and can only be designed to meet people's needs in one aspect. So if you have multiple needs, I can create a comprehensive insurance plan for you. How about it?
112. Home address changes and changes
Answer: (1) Our life insurance is nationwide, and there are branches and branches in all provinces and regions. It is not troublesome to change the address. Then you can go through the migration procedures at the address on the policy.
(2) Don’t worry, you can call me or CALL me at that time, and I will go through the changes for you. I am as convenient as the phone on your desk, and I will wait for you at any time.
113. What should I do if I get sick after the age of 70?
Answer: (1) Hey! Yes, sir (maid) your concerns are due, so you have to choose package insurance! For example, in the pension series, pensions can be used to plan at that time. Isn’t the problem solved?
(2) What should I do if I get sick before the age of seventy?
(3) I have also considered this for you. This is my plan (take out the comprehensive plan).
114. Kindergartens are government kindergartens. Many parents of children can’t even get 150 yuan from their children’s interest training classes. I really can’t bear to ask you to sell insurance to them.
Answer: (1) I understand your mood. I don’t want you to bear it, but to establish a relationship with your children’s parents. Besides, our insurance company needs to establish a relationship with parents to solve this problem. Don’t you want your children in kindergarten to have a package to help them grow up healthily and happily?
(2) A few families cannot afford 150 yuan. As long as everyone has a sense of security, they will buy it even if they borrow money.
(3) Then principal, do you have the heart to watch many parents let their children get out of school because they can’t pay tuition? What we are selling for children is tuition.
(Sixth) Rejection
115. I don’t have money
Answer: (1) Sir, you are too polite. Before your friend introduced me to me, he had told me that your career was very good. I came here today. It’s not that you have to buy insurance, but that you will get to know each other and be friends. In the future, when you think you need it, it’s the same if you buy it again.
(2) That doesn’t matter. Listen and see, you don’t have to buy it, let alone tight on your hands and need to take a look.
(3) I don’t think anyone goes to the hospital for treatment and dares to say to the hospital: “I don’t have money”. Can I not pay for treatment? There is a way to get "another person" to help you pay for your medical bills, and that is to become a customer of the company.
(4) Risks are without holidays. Invisible enemies such as diseases and accidents will not wait until we make preparations before invading us. Have you ever thought about what if an accident occurs before we are ready, what will happen to our family?
(5) Insurance is cheaper now, and the premium is more expensive in the future. Moreover, insurance is to save money without spending money. You can get a part of the loan after two years, and you can still use it back to use it.
(6) It is precisely because we are financially stressed, have a tight living and have little ability to resist risks, so it is more necessary for us to seek help and join the insurance family.
116. I am rich and willing to invest in high profits, but I am not interested in buying insurance
Answer: (1) Buying insurance and investing are mutually beneficial, and the two do not conflict. In daily life, you will not affect your entire investment plan because of the expenses of a set of clothes! Life insurance is not a luxury but a necessity for life. If something we cannot predict happens, the function of insurance will definitely exceed any business you invest in, which is equivalent to putting a dollar in the insurance company. When needed, it will turn into one hundred or even one thousand yuan. What is the profit of this investment? Did you make money?
(2) The investment in business is millions or tens of millions, and earn hundreds of thousands; while insurance is to save tens of thousands of yuan to create millions, which is very different. In addition, investment requires taxes, and insurance does not require taxes.
117. I have money, so I don’t need to buy insurance
Answer: (1) Insurance is not the patent of people without money. At present, insurance is not popular in our country, and many people don’t know about insurance. Today I want to use these short minutes to let you know that it is not that you don’t need to buy insurance if you have money.
(2) The car has auto insurance and the house has fire insurance. Don’t people need insurance? People use property, not people use property.
(3) With money, you have to learn to manage your finances, increase revenue and reduce expenditures, so that our money will be used more and more. Insuring insurance companies is a good financial management orientation, ensuring that large expenses in the future, such as: children's study, marriage, medical expenses for major diseases, pensions, and expenses incurred by accidents, are all responsible for the insurance companies. In this way, in our future work, we can go on the road lightly and face various career challenges with confidence.
118. I would rather put money in the bank
Answer: (1) Sir, putting money in the bank is also a method. The ultimate goal of insurance is to buy protection. The same difference between putting 10,000 yuan in the bank and putting 200,000 yuan in the bank is very different. For example, if an appendicitis is operated for 50,000 or 600 yuan, and with insurance, the insurance company will be responsible for this expense. If there is no such money, you have to bear the expenses yourself. What's more, if you have a major accident, insurance can turn into 100,000, 200,000, or 1 million or even more money when you need it most. If this money is still 10,000 yuan in the bank, it cannot turn into 200,000 yuan, 2 million yuan. So the purpose of buying insurance is here, and buying insurance is just to move a small part of the money from our income to buy it. Without affecting the expenses, you can buy a guarantee for the whole family. You can still put most of the money in the bank.
(2) Money deposit and insurance purchase are not inconsistent. They are two channels for our financial management. They effectively distribute savings and make our household property more reasonable.
119. Money is not cost-effective in insurance companies
Answer: (1) Insurance is to protect our entire family. I'll use just a few minutes to let you know how much insurance accounts for in our lives. If you think it's worth it, you can buy it again.
(2) Investment risks with high profits are also high: stocks, futures, gold, investment companies, do you dare? If you dare not, you will never have high profit investments, but the real high profit is yourself, because only your existence can create physical investments that make profits.
(3) The money is not placed in the insurance company, it is only placed at home, deposited in the bank or used for investment. It is obviously better to deposit money in the bank because it has an extra risk of loss and a lack of principal interest. Let’s use it together to deposit it in insurance and deposit it in the bank to make a simple analysis and comparison.
120. I don’t have to buy insurance if I am not married
Answer: (1) Sir, I think a person will do a lot of responsibilities in his life, not necessarily the responsibility of getting married and having children to his wife and children. I think that if our parents raise us so big, will we not have any responsibility to our parents? Moreover, we come naked, but we can't leave naked. Isn't we even more worry-free when buying insurance?
(2) In Japan, one of the conditions for girls to get married is to see if they have bought insurance, because people with insurance say:
(1) Have a healthy body.(Otherwise, it cannot be guaranteed)
(2) has considerable financial ability. (Otherwise, you will not be able to take out insurance)
(3) Have a sense of responsibility. (Otherwise, you won’t be insured)
(3) Buying insurance is for both your family and yourself. If you are not married, don’t you consider your needs?
(1) Pension preparation.
(2) What to do when you are disabled.
(3) Insurance is cheap now and is relatively cost-effective.
(4) Most people think that insurance is to protect the family, but in fact it is just one of the functions of insurance. The most important thing about insurance is to protect yourself, so you may not be clear about insurance. Let me explain to you how insurance protects yourself in just a few minutes.
(5) You make a lot of sense. Apart from getting married, aren’t your parents and family burdens?
121. If I have three longs and two shorts, my wife will support her family.
Answer: (1) Sir, if a family really has a major accident, a mother has to work for the burden of the family and cannot take good care of the children at home, many social problems may occur. Therefore, the purpose of buying insurance is here, and it is guaranteed. Only when a wife can fulfill her mother's responsibilities can the child grow up healthily.
(2) At that time, do you want them to live as happy as they are now? I hope you don’t want your children to be well educated and cared for?
(3) Congratulations on marrying a capable wife, but do you have the heart to let your wife bear such a heavy responsibility when encountering misfortune? In fact, buying insurance is a manifestation of your love for your family. Let’s make a decision after you understand the entire protection content.
(4) This is just a prediction. Do you think you have fulfilled your responsibility to your family at the moment? Can you give this family a complete guarantee? If not, how do you expect your wife to be a superman?
122. The wife disagrees, so she counts
Answer: (1) Calculate based on the average life span, usually the life span of being a wife is relatively long, so the wife does not have the principle of opposing insurance. You should treat it as a gift to the wife. She will definitely appreciate your consideration in her heart and enhance her sense of dependence on you.
(2) Your wife is really amazing. She must have considered the family planning issue and said so to reduce your burden! Since the wife relies on a fixed income to maintain the family's life, no wonder she wants to save as much money as possible. However, sir, your wife is so virtuous and thrifty to manage the family, you should also seek happiness for her as the head of the family! According to statistics, the average life expectancy of women is 80 years old, 4 years older than men. In this way, women in our country seem to be destined to spend 9 years living alone. Therefore, for your wife, even if your wife opposes, you should still be insured.
123. I want to go back and discuss with my wife
Answer: (1) If a person wants to buy a gift for his wife, he may not discuss with his wife first before buying it. If he buys it first and gives it to her home, isn’t this an unexpected surprise? Buying insurance is for the sake of your wife and children. Just like buying gifts for her, why do you have to agree? What's more, the gentleman is the head of the family?
(2) It is a good thing to participate in insurance. I think my wife will know that she will not only not be angry, but also be grateful for your kindness.
(3) If you don’t mind, please ask you: Are you all the big and small things in the house decided by you or discuss with your wife? When will we meet again? Since you are interested in discussing with your wife, you are obviously interested in life insurance. Let us sit down and discuss this matter as soon as possible.
(4) Insurance is a kind of protection, a kind of protection prepared for you and your family, and a manifestation of responsibility and love. I think no one will refuse to be cared for by others, and your lover is no exception.
124. The unit has already taken in
Answer: (1) The social insurance (civil service insurance) insured by the unit is a social welfare policy implemented by the state. We have also participated, but because the protection is too low, it can no longer meet the needs of stable life, so taking in general life insurance can help the shortcomings of social insurance and group insurance.
(2) That's great, what if you leave the unit? The premium will also increase by then, and the protection will not be sufficient.
(3) Your company pays great attention to employee benefits, but the question is how long will you stay in this company? Most people will buy their own insurance and have more protection for themselves. I will use just a few minutes to let you know what protections are there now? What other guarantees are needed?
(4) I am so lucky. Your company treats you very well, but from this we can see that insurance is really important. Otherwise, why would the company spend more money to help you insure? But you have ever thought about whether you will work in this company until you are old? If the answer is no, do you have to take out insurance yourself when you resign? By then, the premium will be more expensive if you increase your age, and you are more likely to be denied or increased due to poor physical condition. Therefore, it is necessary to insure yourself of a truly own insurance!
125. I have friends in the insurance company, thank you, there is no need to
Answer: (1) I am very happy to know you today. Since you have many friends in the insurance company, I believe you must have a good understanding of insurance. However, when people buy insurance nowadays, they do not necessarily buy it from their relatives and friends, but to see if the salesperson is professional enough. Today I want to use just a few minutes to let you know how I am doing in the insurance industry. It is also necessary to "compare the shops and compare the three companies" to have more space for choice.
(2) Thank you for leaving this opportunity for us. Although you have friends working in an insurance company, it doesn’t matter. What’s important is whether you have bought insurance? I believe you must have many friends selling cars, furniture, and clothes, but I think all your things are not purchased from your friends. You will definitely choose to live in a house, have a good performance, and wear your favorite clothes, right? The same is true for buying insurance, because we are all life insurance consultants who have passed the company's examination, so the insurance we designed for customers is also designed according to the needs of customers, so don't worry, let alone if your friend really wants to buy insurance for your own good, he should ask you to buy insurance. Now that I will serve you, it's the same.
(3) Buying things does not necessarily mean buying friends, but looking at the products. More importantly, choosing experienced and professional personnel to serve you. You can treat me as your friend. It is better to have more friends to help you provide advice.
(4) Buying things does not necessarily mean buying from friends, but depends on the quality of the products and the quality of the service. You might as well try to refer to the preparation plan I gave you.
(5) So does he care about you? If not, then I must serve you professionally, listen and take a look, and you don’t have to buy it. Maybe you know your insurance policy better.
(6) Did you buy his insurance? No! Then why not give yourself a chance and have more freedom? According to your ideas, whether to buy insurance for yourself? If you are not satisfied, you can also reject me openly!
(7) Insurance consultation is so developed now that more than 100,000 people across the country have entered this market, so it is normal for you to have friends in an insurance company, but then again, buying things does not necessarily require friends, especially this is a decades-long contract. Whether this salesperson is attentive and enthusiastic about service is important. A customer’s aunt serves in a certain insurance company. He not only buys it with me himself, but also introduces his friends to buy it with me. He believes that insurance is a very professional product. If the person is entrusted to someone, he will have no way to ask for help when he is required to settle the claim.
(8) Insurance is a product with high level. If you buy it from your friends, once your rights are damaged, it often causes your friends to turn against each other in order to get to the bottom of it, or to maintain friendship, you must attach great importance to friendship, so you must not let anything that will affect your friendship.
126. I have labor insurance . You can not buy insurance
Answer: (1) That's great. I don't know if you know the labor insurance payment content. Let me explain it to you. Can you please ask you a question if we are sick, should we prescribe good medicine or ordinary medicine?
(2) Probably all people who work in enterprises and institutions have labor insurance. Labor insurance is mainly the pension part, and their own insurance can make up for the shortcomings of labor insurance. I will use a few minutes to let you understand why I suggest you buy this kind of insurance.
(3) Labor insurance only provides basic protection. When encountering major disasters, a little compensation will not help you overcome the difficulties. In addition, with housing loans, education fees, etc., it is relatively safe to have a life insurance in your family.
127. Insurance company wins or loses
Answer: (1) Insurance is strictly in accordance with the terms of the contract. The so-called terms of the contract are in black and white. In the past, many people did not know what they bought before buying insurance, but now consumers are different. They all think that I am a professional person. Since your friend will introduce me, he thinks I am professional enough.
(2) Life insurance has a history of hundreds of years abroad. Assuming you are right, why are there still millions of people willing to lose?
(3) If you buy insurance, you are signing an economic contract with the insurance company. After the insurance is under the law, once the insured person is in danger, it will fall within our coverage after investigation, and you will definitely make a claim, for example?
Recent:
128. I want to only buy accident insurance, and life insurance does not need it.
Answer: (1) Accident insurance can only be compensated when an accident occurs. If you die due to illness, you cannot make a claim; accident insurance can only solve some problems, and life insurance solves permanent problems.
(2) Your concept is very good. In today's society, accident insurance is very important, but please tell me, is the accident rate high? Or is the disease rate relatively high?
(3) Mr., you must think that accident insurance is very important. Today I will come here to let you know about life insurance. You can make a simple comparison before deciding whether you want to buy it.
129. The insurance period is too long
Answer: (1) Saving money is better in the short term, and it is faster to return. In addition to savings, insurance is more important to protect. Of course, the longer the protection, the better.
(2) May I ask: If the government announces that the medical expenses of the people across the country are exempt, if you are asked to choose:
(1) Only those who are 60 years old can enjoy this benefit.
(2) Enjoy for life.
Do you choose 1 or 2? I believe it is Choice 2.
(3) The protection period should be as long as possible. You think it is too long. In fact, you have to use money for more than two years. You can borrow money with the insurance policy at any time and get cash back for your own use. You only need to pay a little interest, so the protection is more beneficial.
(4) Every insurance holder will worry about whether he can pay the fees every year in the next 20 or 30 years? Our company also has sufficient considerations for this. If you are not convenient to pay the premium halfway, you can automatically pay the premium, and make a loan method for the insurance policy. You can set various convenient insurance methods on the insurance terms. Therefore, you don’t have to think that the premium must be paid to the end. In fact, if you need it halfway, you can make use of various preferential services on the insurance. Think about it this way, the length of the insurance period is irrelevant.
(5) Insurance is like choosing a marriage partner, which is a manifestation of love and responsibility, so the goal should be to stay together for a long time.
(6) In addition to obtaining longer-term insurance and bearing cheaper premiums, it is easy to insure short-term insurance several times.
(7) Insurance term is actually like buying a house. You have to invest slowly and enjoy it for life.
130. I don’t have time to talk about insurance (One other day!)
Answer: (1) We know that many things can be waited for, but some things cannot be waited for. Life insurance protects our future losses when accidents occur, but accidents cannot know in advance when and where they will happen. Therefore, it is urgent to take out life insurance and cannot be waited for. If we wait until later, it will be too late to say that at that time.
(2) As the saying goes: A short time is hard to buy in a short time. This sentence is to inspire us: do what we think should be done immediately. Today's social survival competition is fierce. No one would have expected anyone to suffer when misfortunes happen. If you want to wait for more money to save, you will never save.The same is true for buying insurance. If you take out insurance earlier, the premium will be cheaper and you will be protected as soon as possible.
(3) After hearing many friends say, "If I had known this kind of misfortune had happened, I should have been more safe." Unfortunately, it was too late to do so by this time. So make decisions as soon as you need them and make arrangements.
(4) You are not available now, so what you mean is that you can definitely talk about it when you have time! When will you be free, tomorrow or the day after tomorrow?
(5) If we get sick today, we will definitely not say that I don’t have time. Let’s go see it another day!
(6) Yes, the most precious thing for successful people is time. I have a close relationship with many successful and enlightened people like you, and I know this truth well. However, I am a highly professional life insurance consultant. It only takes a few minutes to let you understand the entire content of our plan. I think 5 minutes won’t cause you much trouble!
131. I am very healthy, I don’t need insurance
Answer: (1) A healthy body is something that everyone wants to have, but no one can guarantee that after the passage of time, will the health situation be affected? After all, many things will not be in our expectations. As you said, you have always been very careful, but accidents often do not change by human will. What do you think?
(2) Now we are very healthy and very careful, so we don’t need it. However, there are so many people posing long queues in the emergency room of the hospital every day. The idea of not entering the hospital is the same as yours. If we ask them at this time, is it okay to buy insurance now? 91% of people must say "ok", the problem is: they want to protect, but we can no longer help them. An accident will definitely happen in a person's life, and the problem is that no one knows when it will happen.
(3) Can you know your current health, but can you predict the future?
(4) Yes, sir, look at you so healthy now, of course you don’t need insurance. However, it sometimes needs to be created, just like the door in your home, why do you have to have an iron door? By the way, it's just for the situation to happen. The same is true for buying insurance, not for the present, but for the accidents that will occur in the future!
(5) Yes, sir, do you think I am healthy at the moment? Do we rely on health to support our family’s livelihood? Do you think I can always be as healthy as I am now? If you have a plan that only needs two or three yuan a day to solve this worries, would you like to refer to it?
132. What's the use of compensation if insurance dies
Answer: (1) Insurance benefits may not be obtained after death. You can also receive them when you expire. We only take out insurance so that we can get a happy life after we are old. Now that medicine is developed, our lifespan is generally extended. After one or twenty years, I believe that the insured is alive. This money is waiting for you to enjoy. Insured for the happiness of old age is the real choice.
(2) Indeed, no matter how much money you have, it is useless if you die, but we should go further to think about our family: Think about it? Children do not have the freedom to choose, but have the right to be raised. When the baby is born, the father is equivalent to invisibly writing a check. This check must be fulfilled regardless of whether the father is healthy or not. If a father does not make proper arrangements during his lifetime, then what should the wife and children do in the future if there is a sudden change in the long journey? Therefore, for the happiness of your wives and children, it is very important to take out life insurance.
(3) Life insurance has the dual role of savings and protection. Participating in savings does not allow you to get money after death. If the insurance expires, there is a maturity fee to be received. In case of an accident, the wife will be prevented from remarrying and the children will be displaced. If parents do not protect their families when they are capable, what will happen to our children if there is a huge change?
(4) Life insurance is a social welfare system that has both protection and savings. It is by no means misunderstood by ordinary people in society. You must show it to the insurance company before you can get the insurance money. Customers pay the little money to the insurance company, and after the expiration date, they will receive a large amount of money, travel to countries around the world, or purchase electrical equipment for their families to improve their living standards. At the same time, as the education of their children and dowry fees after marriage, we see their happy expression when they receive an insurance money, and are really happy for his wise choice! Who said that life insurance must die before you can get insurance?
(5) Insurance function:
(1) Death compensation.
(2) Payment of medical expenses.
(3) Preparation for retirement (dignity for the sake of old age)
(4) Disability compensation (equal to extension of work ability)
(5) Education expenses for children.
(6) Death is terrible, but death from income is more pitiful and helpless than real death. Insurance plays its greatest protection function at that time.
(7) In fact, there are many types of insurance, such as those who can borrow money, some who are uncomfortable and hospitalized and can be compensated, and some who have cancer. There are many insurances. I will use some time to let you know how many types of insurance are there?
(8) You make a lot of sense. No one wants to die, but who can survive? Since "death" is a natural phenomenon, what about after death and various economic problems? You are a responsible person, what will you do?
(9) Yes, insurance is generally compensated only by being summoned by God, but insurance has other uses. We live too long, and insurance can also solve your retirement and pension problems.
(10) You are right. Most insurances are compensated only after they die, but what I recommend to you today is exactly the opposite. You can see our plan.
133. If you get this money back twenty years later, can you buy a bicycle?
Answer: (1) Price fluctuations are often due to human factors or changes in quality. Not everything is rising. We are afraid of depreciation and do not take out insurance. In the event of an accident, it is our wife and children who suffer.
(2) If you are worried about currency depreciation, you can make full use of the policy mortgage loan method. On the one hand, the funds can be used freely, and on the other hand, the contract will continue to be valid and can still be guaranteed. This is where ordinary financial institutions cannot compare with life insurance companies.
(3) Worrying about currency depreciation in the future, it is no wonder. Some people say it well: "depreciation" is just a synonym for improving living standards. However, in these evolutions, people's income is also increasing, relative, and the burden of premiums is reduced, and the economy is not affected at all. The rise and fall of currency value is an impossible problem to predict, but people will definitely get older. The ideal countermeasure to the pension problem is to insure life insurance. What is really afraid of depreciation is people's ability.
(7) Dividend investment and insurance chapter
1. Investment issues
134. This product only has investment in bonds and bank deposits, and cannot be used in stocks. The investment channels are too narrow, and the profits will definitely not be large.
Answer: It seems that you are very good at investing. There should indeed be more investment channels, but, for now, this
channel has both stable returns and relatively small risks, so your interests are more guaranteed. At the same time, we also have funds to invest in securities funds. Although investment in stocks may have a greater return, most people still have more losses and less wins. Considering your investment interests, the investment channels designed now should be more reasonable. Are you right?
135. You said that the investment function of this product is stronger than that of the past products, but how much return is there?
Answer: You and I think exactly the same.
104. Buy insurance now, what's the use of 1,000 yuan in the future or 2,000 yuan?
Answer: (1) If you feel that there are very few, you can add additional insurance at that time. Inflation is inevitable, and the money you deposit in the bank will also continue to depreciate.
(2) Like some of our company's life insurance insurance types, such as Ping An Changsheng and Increased Pension, you can buy a few more copies in advance, so the amount you receive in the future will be more than 1,000 yuan or 2,000 yuan.
105. My son grows up and he can make money. I didn’t use it for me to buy insurance
Answer: (1) Yes! My son can make money when he grows up, but I don’t know how much money he can make? Besides, if you buy insurance now, it will reduce the burden on your son.
(2) If you buy insurance, it means that you are a person with a sense of family responsibility and can also express your love for your son. Besides, who would think that you have an extra income?
(3) I believe your son will definitely not live on this money in the future, but this is just a manifestation of his love for him. Of course, when he takes this money, he will think of you and be grateful to you.
(4) But before your son is 16 or 18, or even 22 years old, you have to bear the expenses of his support and education! In the future, you have to pay for it yourself in college, and these fees are very high...
(5) Buy an insurance for your son, and you can proudly say to him: As long as you are here, I will take care of you!
106. You also need to go to the designated location for physical examination. It's too troublesome.
Answer: (1) In addition to requiring a physical examination when taking out insurance, you need to develop the habit of regular physical examinations in the future to prevent problems before they happen. You are too busy at work and must not have done regular physical examinations. This is not good for you. What's wrong with having the opportunity to have a physical examination now? It won't take up a lot of your time.
(2) You can go to the designated location to relax and let me accompany you, okay?
(3) Our company does a free physical examination for you, and no one else can definitely get it. Moreover, a physical examination is also good for you. Knowing your health, you will work more at ease.
107. The insurance amount of your company is too low
Answer: (1) Let’s do it like this! You first insure the maximum personal insurance amount specified by the company. As long as we wait until the company's deinsurance problem is solved, you can add insurance at any time.
(2) This is true. Your identity does not match the insurance amount of our company. Otherwise, you should take a step first and guarantee our company's maximum insurance amount of 1 million yuan. When our company's deinsurance problem is solved, will I provide you with additional insurance services?
108. You will basically die if you get these diseases. I can’t get benefits by buying insurance.
Answer: (1) You can cure these diseases now, but the medical expenses are too expensive and generally cannot afford them. But with the protection of our company, can our company always help you when necessary?
(2) Everyone has a common idea and does not want to drag down your family because of yourself. You buy this insurance now just to reduce the burden on your family, not to make a profit for yourself.
(3) There is a saying that "lightly wears" is not only physical but also psychological. Be carefree, feel relaxed, and devote yourself to your career, and you will definitely succeed.
(4) Society is progressing, technology is developing, and medical technology is improving. The disease that cannot be cured a few years ago is not a trivial matter now.
109. Don’t tell me these things. I’m very taboo about these things.
Answer: (1) But when these taboo things happen, you will definitely be at a loss. So is it too late to dig a well when you are thirsty? So it is best to think about it first and be fully prepared before it happens.
(2) I have a good wish just like you, I and everyone, I, don’t talk about getting sick, but I always don’t have enough confidence in this. If the disease is said, then as long as you remove the disease from the dictionary and no one talks about getting sick, will the disease on earth disappear? Obviously it is impossible, because some things are real and cannot be avoided even if you want to, so it is very necessary to buy major illness insurance.
110. You can’t even explain these diseases clearly, so you came out to run the industry
Answer: (1) I am a salesperson of an insurance company, not a professional doctor. I do not know these diseases thoroughly, but I don’t think it’s important. What’s important is that our company provides protection for these diseases.
(2) But one thing is certain that suffering from these diseases will definitely bring you and your family expensive medical expenses and financial burdens.
111. Your company's products are not as good as other companies. The insurance amount is too low and the terms are too simple to meet my needs.
Answer: (1) Thank you for accepting the insurance. It may be that the terms you are looking at are indeed deficient. Can we look at another clause? In fact, the terms are simple and simple, not as long and complicated as other terms, which makes you dazzled. You can choose between these two terms!
(2) Just as no one is perfect, the terms of insurance companies cannot be perfect, and can only be designed to meet people's needs in one aspect. So if you have multiple needs, I can create a comprehensive insurance plan for you. How about it?
112. Home address changes and changes
Answer: (1) Our life insurance is nationwide, and there are branches and branches in all provinces and regions. It is not troublesome to change the address. Then you can go through the migration procedures at the address on the policy.
(2) Don’t worry, you can call me or CALL me at that time, and I will go through the changes for you. I am as convenient as the phone on your desk, and I will wait for you at any time.
113. What should I do if I get sick after the age of 70?
Answer: (1) Hey! Yes, sir (maid) your concerns are due, so you have to choose package insurance! For example, in the pension series, pensions can be used to plan at that time. Isn’t the problem solved?
(2) What should I do if I get sick before the age of seventy?
(3) I have also considered this for you. This is my plan (take out the comprehensive plan).
114. Kindergartens are government kindergartens. Many parents of children can’t even get 150 yuan from their children’s interest training classes. I really can’t bear to ask you to sell insurance to them.
Answer: (1) I understand your mood. I don’t want you to bear it, but to establish a relationship with your children’s parents. Besides, our insurance company needs to establish a relationship with parents to solve this problem. Don’t you want your children in kindergarten to have a package to help them grow up healthily and happily?
(2) A few families cannot afford 150 yuan. As long as everyone has a sense of security, they will buy it even if they borrow money.
(3) Then principal, do you have the heart to watch many parents let their children get out of school because they can’t pay tuition? What we are selling for children is tuition.
(Sixth) Rejection
115. I don’t have money
Answer: (1) Sir, you are too polite. Before your friend introduced me to me, he had told me that your career was very good. I came here today. It’s not that you have to buy insurance, but that you will get to know each other and be friends. In the future, when you think you need it, it’s the same if you buy it again.
(2) That doesn’t matter. Listen and see, you don’t have to buy it, let alone tight on your hands and need to take a look.
(3) I don’t think anyone goes to the hospital for treatment and dares to say to the hospital: “I don’t have money”. Can I not pay for treatment? There is a way to get "another person" to help you pay for your medical bills, and that is to become a customer of the company.
(4) Risks are without holidays. Invisible enemies such as diseases and accidents will not wait until we make preparations before invading us. Have you ever thought about what if an accident occurs before we are ready, what will happen to our family?
(5) Insurance is cheaper now, and the premium is more expensive in the future. Moreover, insurance is to save money without spending money. You can get a part of the loan after two years, and you can still use it back to use it.
(6) It is precisely because we are financially stressed, have a tight living and have little ability to resist risks, so it is more necessary for us to seek help and join the insurance family.
116. I am rich and willing to invest in high profits, but I am not interested in buying insurance
Answer: (1) Buying insurance and investing are mutually beneficial, and the two do not conflict. In daily life, you will not affect your entire investment plan because of the expenses of a set of clothes! Life insurance is not a luxury but a necessity for life. If something we cannot predict happens, the function of insurance will definitely exceed any business you invest in, which is equivalent to putting a dollar in the insurance company. When needed, it will turn into one hundred or even one thousand yuan. What is the profit of this investment? Did you make money?
(2) The investment in business is millions or tens of millions, and earn hundreds of thousands; while insurance is to save tens of thousands of yuan to create millions, which is very different. In addition, investment requires taxes, and insurance does not require taxes.
117. I have money, so I don’t need to buy insurance
Answer: (1) Insurance is not the patent of people without money. At present, insurance is not popular in our country, and many people don’t know about insurance. Today I want to use these short minutes to let you know that it is not that you don’t need to buy insurance if you have money.
(2) The car has auto insurance and the house has fire insurance. Don’t people need insurance? People use property, not people use property.
(3) With money, you have to learn to manage your finances, increase revenue and reduce expenditures, so that our money will be used more and more. Insuring insurance companies is a good financial management orientation, ensuring that large expenses in the future, such as: children's study, marriage, medical expenses for major diseases, pensions, and expenses incurred by accidents, are all responsible for the insurance companies. In this way, in our future work, we can go on the road lightly and face various career challenges with confidence.
118. I would rather put money in the bank
Answer: (1) Sir, putting money in the bank is also a method. The ultimate goal of insurance is to buy protection. The same difference between putting 10,000 yuan in the bank and putting 200,000 yuan in the bank is very different. For example, if an appendicitis is operated for 50,000 or 600 yuan, and with insurance, the insurance company will be responsible for this expense. If there is no such money, you have to bear the expenses yourself. What's more, if you have a major accident, insurance can turn into 100,000, 200,000, or 1 million or even more money when you need it most. If this money is still 10,000 yuan in the bank, it cannot turn into 200,000 yuan, 2 million yuan. So the purpose of buying insurance is here, and buying insurance is just to move a small part of the money from our income to buy it. Without affecting the expenses, you can buy a guarantee for the whole family. You can still put most of the money in the bank.
(2) Money deposit and insurance purchase are not inconsistent. They are two channels for our financial management. They effectively distribute savings and make our household property more reasonable.
119. Money is not cost-effective in insurance companies
Answer: (1) Insurance is to protect our entire family. I'll use just a few minutes to let you know how much insurance accounts for in our lives. If you think it's worth it, you can buy it again.
(2) Investment risks with high profits are also high: stocks, futures, gold, investment companies, do you dare? If you dare not, you will never have high profit investments, but the real high profit is yourself, because only your existence can create physical investments that make profits.
(3) The money is not placed in the insurance company, it is only placed at home, deposited in the bank or used for investment. It is obviously better to deposit money in the bank because it has an extra risk of loss and a lack of principal interest. Let’s use it together to deposit it in insurance and deposit it in the bank to make a simple analysis and comparison.
120. I don’t have to buy insurance if I am not married
Answer: (1) Sir, I think a person will do a lot of responsibilities in his life, not necessarily the responsibility of getting married and having children to his wife and children. I think that if our parents raise us so big, will we not have any responsibility to our parents? Moreover, we come naked, but we can't leave naked. Isn't we even more worry-free when buying insurance?
(2) In Japan, one of the conditions for girls to get married is to see if they have bought insurance, because people with insurance say:
(1) Have a healthy body.(Otherwise, it cannot be guaranteed)
(2) has considerable financial ability. (Otherwise, you will not be able to take out insurance)
(3) Have a sense of responsibility. (Otherwise, you won’t be insured)
(3) Buying insurance is for both your family and yourself. If you are not married, don’t you consider your needs?
(1) Pension preparation.
(2) What to do when you are disabled.
(3) Insurance is cheap now and is relatively cost-effective.
(4) Most people think that insurance is to protect the family, but in fact it is just one of the functions of insurance. The most important thing about insurance is to protect yourself, so you may not be clear about insurance. Let me explain to you how insurance protects yourself in just a few minutes.
(5) You make a lot of sense. Apart from getting married, aren’t your parents and family burdens?
121. If I have three longs and two shorts, my wife will support her family.
Answer: (1) Sir, if a family really has a major accident, a mother has to work for the burden of the family and cannot take good care of the children at home, many social problems may occur. Therefore, the purpose of buying insurance is here, and it is guaranteed. Only when a wife can fulfill her mother's responsibilities can the child grow up healthily.
(2) At that time, do you want them to live as happy as they are now? I hope you don’t want your children to be well educated and cared for?
(3) Congratulations on marrying a capable wife, but do you have the heart to let your wife bear such a heavy responsibility when encountering misfortune? In fact, buying insurance is a manifestation of your love for your family. Let’s make a decision after you understand the entire protection content.
(4) This is just a prediction. Do you think you have fulfilled your responsibility to your family at the moment? Can you give this family a complete guarantee? If not, how do you expect your wife to be a superman?
122. The wife disagrees, so she counts
Answer: (1) Calculate based on the average life span, usually the life span of being a wife is relatively long, so the wife does not have the principle of opposing insurance. You should treat it as a gift to the wife. She will definitely appreciate your consideration in her heart and enhance her sense of dependence on you.
(2) Your wife is really amazing. She must have considered the family planning issue and said so to reduce your burden! Since the wife relies on a fixed income to maintain the family's life, no wonder she wants to save as much money as possible. However, sir, your wife is so virtuous and thrifty to manage the family, you should also seek happiness for her as the head of the family! According to statistics, the average life expectancy of women is 80 years old, 4 years older than men. In this way, women in our country seem to be destined to spend 9 years living alone. Therefore, for your wife, even if your wife opposes, you should still be insured.
123. I want to go back and discuss with my wife
Answer: (1) If a person wants to buy a gift for his wife, he may not discuss with his wife first before buying it. If he buys it first and gives it to her home, isn’t this an unexpected surprise? Buying insurance is for the sake of your wife and children. Just like buying gifts for her, why do you have to agree? What's more, the gentleman is the head of the family?
(2) It is a good thing to participate in insurance. I think my wife will know that she will not only not be angry, but also be grateful for your kindness.
(3) If you don’t mind, please ask you: Are you all the big and small things in the house decided by you or discuss with your wife? When will we meet again? Since you are interested in discussing with your wife, you are obviously interested in life insurance. Let us sit down and discuss this matter as soon as possible.
(4) Insurance is a kind of protection, a kind of protection prepared for you and your family, and a manifestation of responsibility and love. I think no one will refuse to be cared for by others, and your lover is no exception.
124. The unit has already taken in
Answer: (1) The social insurance (civil service insurance) insured by the unit is a social welfare policy implemented by the state. We have also participated, but because the protection is too low, it can no longer meet the needs of stable life, so taking in general life insurance can help the shortcomings of social insurance and group insurance.
(2) That's great, what if you leave the unit? The premium will also increase by then, and the protection will not be sufficient.
(3) Your company pays great attention to employee benefits, but the question is how long will you stay in this company? Most people will buy their own insurance and have more protection for themselves. I will use just a few minutes to let you know what protections are there now? What other guarantees are needed?
(4) I am so lucky. Your company treats you very well, but from this we can see that insurance is really important. Otherwise, why would the company spend more money to help you insure? But you have ever thought about whether you will work in this company until you are old? If the answer is no, do you have to take out insurance yourself when you resign? By then, the premium will be more expensive if you increase your age, and you are more likely to be denied or increased due to poor physical condition. Therefore, it is necessary to insure yourself of a truly own insurance!
125. I have friends in the insurance company, thank you, there is no need to
Answer: (1) I am very happy to know you today. Since you have many friends in the insurance company, I believe you must have a good understanding of insurance. However, when people buy insurance nowadays, they do not necessarily buy it from their relatives and friends, but to see if the salesperson is professional enough. Today I want to use just a few minutes to let you know how I am doing in the insurance industry. It is also necessary to "compare the shops and compare the three companies" to have more space for choice.
(2) Thank you for leaving this opportunity for us. Although you have friends working in an insurance company, it doesn’t matter. What’s important is whether you have bought insurance? I believe you must have many friends selling cars, furniture, and clothes, but I think all your things are not purchased from your friends. You will definitely choose to live in a house, have a good performance, and wear your favorite clothes, right? The same is true for buying insurance, because we are all life insurance consultants who have passed the company's examination, so the insurance we designed for customers is also designed according to the needs of customers, so don't worry, let alone if your friend really wants to buy insurance for your own good, he should ask you to buy insurance. Now that I will serve you, it's the same.
(3) Buying things does not necessarily mean buying friends, but looking at the products. More importantly, choosing experienced and professional personnel to serve you. You can treat me as your friend. It is better to have more friends to help you provide advice.
(4) Buying things does not necessarily mean buying from friends, but depends on the quality of the products and the quality of the service. You might as well try to refer to the preparation plan I gave you.
(5) So does he care about you? If not, then I must serve you professionally, listen and take a look, and you don’t have to buy it. Maybe you know your insurance policy better.
(6) Did you buy his insurance? No! Then why not give yourself a chance and have more freedom? According to your ideas, whether to buy insurance for yourself? If you are not satisfied, you can also reject me openly!
(7) Insurance consultation is so developed now that more than 100,000 people across the country have entered this market, so it is normal for you to have friends in an insurance company, but then again, buying things does not necessarily require friends, especially this is a decades-long contract. Whether this salesperson is attentive and enthusiastic about service is important. A customer’s aunt serves in a certain insurance company. He not only buys it with me himself, but also introduces his friends to buy it with me. He believes that insurance is a very professional product. If the person is entrusted to someone, he will have no way to ask for help when he is required to settle the claim.
(8) Insurance is a product with high level. If you buy it from your friends, once your rights are damaged, it often causes your friends to turn against each other in order to get to the bottom of it, or to maintain friendship, you must attach great importance to friendship, so you must not let anything that will affect your friendship.
126. I have labor insurance . You can not buy insurance
Answer: (1) That's great. I don't know if you know the labor insurance payment content. Let me explain it to you. Can you please ask you a question if we are sick, should we prescribe good medicine or ordinary medicine?
(2) Probably all people who work in enterprises and institutions have labor insurance. Labor insurance is mainly the pension part, and their own insurance can make up for the shortcomings of labor insurance. I will use a few minutes to let you understand why I suggest you buy this kind of insurance.
(3) Labor insurance only provides basic protection. When encountering major disasters, a little compensation will not help you overcome the difficulties. In addition, with housing loans, education fees, etc., it is relatively safe to have a life insurance in your family.
127. Insurance company wins or loses
Answer: (1) Insurance is strictly in accordance with the terms of the contract. The so-called terms of the contract are in black and white. In the past, many people did not know what they bought before buying insurance, but now consumers are different. They all think that I am a professional person. Since your friend will introduce me, he thinks I am professional enough.
(2) Life insurance has a history of hundreds of years abroad. Assuming you are right, why are there still millions of people willing to lose?
(3) If you buy insurance, you are signing an economic contract with the insurance company. After the insurance is under the law, once the insured person is in danger, it will fall within our coverage after investigation, and you will definitely make a claim, for example?
Recent:
128. I want to only buy accident insurance, and life insurance does not need it.
Answer: (1) Accident insurance can only be compensated when an accident occurs. If you die due to illness, you cannot make a claim; accident insurance can only solve some problems, and life insurance solves permanent problems.
(2) Your concept is very good. In today's society, accident insurance is very important, but please tell me, is the accident rate high? Or is the disease rate relatively high?
(3) Mr., you must think that accident insurance is very important. Today I will come here to let you know about life insurance. You can make a simple comparison before deciding whether you want to buy it.
129. The insurance period is too long
Answer: (1) Saving money is better in the short term, and it is faster to return. In addition to savings, insurance is more important to protect. Of course, the longer the protection, the better.
(2) May I ask: If the government announces that the medical expenses of the people across the country are exempt, if you are asked to choose:
(1) Only those who are 60 years old can enjoy this benefit.
(2) Enjoy for life.
Do you choose 1 or 2? I believe it is Choice 2.
(3) The protection period should be as long as possible. You think it is too long. In fact, you have to use money for more than two years. You can borrow money with the insurance policy at any time and get cash back for your own use. You only need to pay a little interest, so the protection is more beneficial.
(4) Every insurance holder will worry about whether he can pay the fees every year in the next 20 or 30 years? Our company also has sufficient considerations for this. If you are not convenient to pay the premium halfway, you can automatically pay the premium, and make a loan method for the insurance policy. You can set various convenient insurance methods on the insurance terms. Therefore, you don’t have to think that the premium must be paid to the end. In fact, if you need it halfway, you can make use of various preferential services on the insurance. Think about it this way, the length of the insurance period is irrelevant.
(5) Insurance is like choosing a marriage partner, which is a manifestation of love and responsibility, so the goal should be to stay together for a long time.
(6) In addition to obtaining longer-term insurance and bearing cheaper premiums, it is easy to insure short-term insurance several times.
(7) Insurance term is actually like buying a house. You have to invest slowly and enjoy it for life.
130. I don’t have time to talk about insurance (One other day!)
Answer: (1) We know that many things can be waited for, but some things cannot be waited for. Life insurance protects our future losses when accidents occur, but accidents cannot know in advance when and where they will happen. Therefore, it is urgent to take out life insurance and cannot be waited for. If we wait until later, it will be too late to say that at that time.
(2) As the saying goes: A short time is hard to buy in a short time. This sentence is to inspire us: do what we think should be done immediately. Today's social survival competition is fierce. No one would have expected anyone to suffer when misfortunes happen. If you want to wait for more money to save, you will never save.The same is true for buying insurance. If you take out insurance earlier, the premium will be cheaper and you will be protected as soon as possible.
(3) After hearing many friends say, "If I had known this kind of misfortune had happened, I should have been more safe." Unfortunately, it was too late to do so by this time. So make decisions as soon as you need them and make arrangements.
(4) You are not available now, so what you mean is that you can definitely talk about it when you have time! When will you be free, tomorrow or the day after tomorrow?
(5) If we get sick today, we will definitely not say that I don’t have time. Let’s go see it another day!
(6) Yes, the most precious thing for successful people is time. I have a close relationship with many successful and enlightened people like you, and I know this truth well. However, I am a highly professional life insurance consultant. It only takes a few minutes to let you understand the entire content of our plan. I think 5 minutes won’t cause you much trouble!
131. I am very healthy, I don’t need insurance
Answer: (1) A healthy body is something that everyone wants to have, but no one can guarantee that after the passage of time, will the health situation be affected? After all, many things will not be in our expectations. As you said, you have always been very careful, but accidents often do not change by human will. What do you think?
(2) Now we are very healthy and very careful, so we don’t need it. However, there are so many people posing long queues in the emergency room of the hospital every day. The idea of not entering the hospital is the same as yours. If we ask them at this time, is it okay to buy insurance now? 91% of people must say "ok", the problem is: they want to protect, but we can no longer help them. An accident will definitely happen in a person's life, and the problem is that no one knows when it will happen.
(3) Can you know your current health, but can you predict the future?
(4) Yes, sir, look at you so healthy now, of course you don’t need insurance. However, it sometimes needs to be created, just like the door in your home, why do you have to have an iron door? By the way, it's just for the situation to happen. The same is true for buying insurance, not for the present, but for the accidents that will occur in the future!
(5) Yes, sir, do you think I am healthy at the moment? Do we rely on health to support our family’s livelihood? Do you think I can always be as healthy as I am now? If you have a plan that only needs two or three yuan a day to solve this worries, would you like to refer to it?
132. What's the use of compensation if insurance dies
Answer: (1) Insurance benefits may not be obtained after death. You can also receive them when you expire. We only take out insurance so that we can get a happy life after we are old. Now that medicine is developed, our lifespan is generally extended. After one or twenty years, I believe that the insured is alive. This money is waiting for you to enjoy. Insured for the happiness of old age is the real choice.
(2) Indeed, no matter how much money you have, it is useless if you die, but we should go further to think about our family: Think about it? Children do not have the freedom to choose, but have the right to be raised. When the baby is born, the father is equivalent to invisibly writing a check. This check must be fulfilled regardless of whether the father is healthy or not. If a father does not make proper arrangements during his lifetime, then what should the wife and children do in the future if there is a sudden change in the long journey? Therefore, for the happiness of your wives and children, it is very important to take out life insurance.
(3) Life insurance has the dual role of savings and protection. Participating in savings does not allow you to get money after death. If the insurance expires, there is a maturity fee to be received. In case of an accident, the wife will be prevented from remarrying and the children will be displaced. If parents do not protect their families when they are capable, what will happen to our children if there is a huge change?
(4) Life insurance is a social welfare system that has both protection and savings. It is by no means misunderstood by ordinary people in society. You must show it to the insurance company before you can get the insurance money. Customers pay the little money to the insurance company, and after the expiration date, they will receive a large amount of money, travel to countries around the world, or purchase electrical equipment for their families to improve their living standards. At the same time, as the education of their children and dowry fees after marriage, we see their happy expression when they receive an insurance money, and are really happy for his wise choice! Who said that life insurance must die before you can get insurance?
(5) Insurance function:
(1) Death compensation.
(2) Payment of medical expenses.
(3) Preparation for retirement (dignity for the sake of old age)
(4) Disability compensation (equal to extension of work ability)
(5) Education expenses for children.
(6) Death is terrible, but death from income is more pitiful and helpless than real death. Insurance plays its greatest protection function at that time.
(7) In fact, there are many types of insurance, such as those who can borrow money, some who are uncomfortable and hospitalized and can be compensated, and some who have cancer. There are many insurances. I will use some time to let you know how many types of insurance are there?
(8) You make a lot of sense. No one wants to die, but who can survive? Since "death" is a natural phenomenon, what about after death and various economic problems? You are a responsible person, what will you do?
(9) Yes, insurance is generally compensated only by being summoned by God, but insurance has other uses. We live too long, and insurance can also solve your retirement and pension problems.
(10) You are right. Most insurances are compensated only after they die, but what I recommend to you today is exactly the opposite. You can see our plan.
133. If you get this money back twenty years later, can you buy a bicycle?
Answer: (1) Price fluctuations are often due to human factors or changes in quality. Not everything is rising. We are afraid of depreciation and do not take out insurance. In the event of an accident, it is our wife and children who suffer.
(2) If you are worried about currency depreciation, you can make full use of the policy mortgage loan method. On the one hand, the funds can be used freely, and on the other hand, the contract will continue to be valid and can still be guaranteed. This is where ordinary financial institutions cannot compare with life insurance companies.
(3) Worrying about currency depreciation in the future, it is no wonder. Some people say it well: "depreciation" is just a synonym for improving living standards. However, in these evolutions, people's income is also increasing, relative, and the burden of premiums is reduced, and the economy is not affected at all. The rise and fall of currency value is an impossible problem to predict, but people will definitely get older. The ideal countermeasure to the pension problem is to insure life insurance. What is really afraid of depreciation is people's ability.
(7) Dividend investment and insurance chapter
1. Investment issues
134. This product only has investment in bonds and bank deposits, and cannot be used in stocks. The investment channels are too narrow, and the profits will definitely not be large.
Answer: It seems that you are very good at investing. There should indeed be more investment channels, but, for now, this
channel has both stable returns and relatively small risks, so your interests are more guaranteed. At the same time, we also have funds to invest in securities funds. Although investment in stocks may have a greater return, most people still have more losses and less wins. Considering your investment interests, the investment channels designed now should be more reasonable. Are you right?
135. You said that the investment function of this product is stronger than that of the past products, but how much return is there?
Answer: You and I think exactly the same.I was wondering, how many years will I buy stocks with the same money every year? Or how much will it take to deposit the same money in the bank every year? It's hard to be sure, right? Because stocks are changing every day, bank interest rates are also changing, but I know that dividend insurance not only has a fixed rate of return but also has experts who are more professional than me to use funds. It can always better reduce investment risks and increase profit margins.
136. Now the investment channels are only bonds and banks, and the scope is very narrow. If it increases in the future, can I also increase
Answer: I understand what you mean, I want to expand the investment scope again. In the future, with the gradual relaxation of regulations and policy restrictions and the gradual smoothness of investment channels, the number and categories of investment accounts may increase, making customers' funds more flexible and efficient. Of course, you will have greater choices.
137. You said there is a return on investment, but I can't see how high it is. I feel unsure of it. I have no idea
Answer: You also know that the current return on investment is not high in the entire market. Who can guarantee that investment has no risk and that the return rate can reach a very high? But it is a pity to just put money in the bank. This will cause many assets to lose the opportunity to appreciate, which is a hidden waste. Our company's dividend insurance has a very safe investment channel. Among them, the risk of investing in the bond part is small but the returns are relatively high. Senior financial experts can save you time and energy. Their professional level is very high, and 87% of them are national investment and financial management experts. How can you still be worried about these people?
138. You said that this product has dividends, so how many dividends can I get every year?
Answer: You also know that the current return on investment is not high in the entire market, and no one can guarantee that investment has no risk and the return rate can reach a very high. However, it would be a pity to put all the money in the bank, because the current bank interest rate is very low, which will cause many assets to lose the opportunity to increase value, which is a hidden waste. Our company's investment channels for dividend insurance are quite safe. Among them, the risk of investing in the bond part is small but the returns are relatively high. Financial experts at China Life Insurance Company can save you time and energy. They are all very professional and have performed successfully in the investment field. How can you still be worried about these people?
139. It takes so long for this insurance to retrieve the investment, it is meaningless
Answer: This is a long-term investment. But it is precisely because it does not take long enough that your investment can grow relatively steadily, and you will only have a generous pension when you are old. It’s like you plant a small tree now and entrust a gardener to let him see it for you.
140. According to the product demonstration in your company's "Product Recommendation", there were very few dividends in the past few years?
Answer: It is really understandable that you have such an idea. You know that the insurance types of insurance companies in general were not profitable in the past few years, but our company has relied on its strong strength to distribute dividends to insured customers since the first year. Although the amount is not large, it also reflects the company's wishes. At the same time, although the dividends seem to be not much in the past few years, if a customer encounters an accident in the past few years, the protection still exists, then what is paid and what is obtained cannot be compared. Therefore, insurance is of course the main purpose of insurance, do you think so?
141. I am not at ease with others investing, so it is safer to operate it yourself. It is better to just buy the guarantee
Answer: Of course, this is also a good idea. Will most people have time to pay attention to the changes in the investment market every minute and every second? Will there be so many sources of information? This product is like more than 20 experts watching the information screen at the same time, and providing you with the best investment portfolio at any time according to the market situation, eliminating your personal limitations in this regard. Moreover, even if you have time and energy, most of them must first become experts in this industry and seize every opportunity to win, otherwise the winners will be a minority. How many people around you are always victorious? Leave the trouble to our experts, and your protection and investment are both good. Many people abroad do this, so why don’t we do it?
142. I heard that foreign-funded companies can invest in foreign countries, with high profits and dividend insurance.
Answer: There is indeed such a legend, but you know: China's "Insurance Law" stipulates that all Chinese and foreign-funded insurance companies established in China must operate funds in accordance with China's "Insurance Law". According to the provisions, the current funds operation is only four aspects: bank deposits, government bonds, financial bonds, and other methods stipulated by the State Council. Each company is only allowed to take out 10% of the operating funds to participate in securities investment funds. At the same time, in terms of the company's stipulated strength, China Life Insurance ranks first in the country, with total assets of 160 billion yuan, premium income in 2000 reached more than 60 billion yuan, market share exceeded 70%, and promoted and invested nationwide. The funds of foreign-funded insurance companies cannot be used as randomly as ordinary people imagine. Therefore, in this way, it is definitely correct to choose the strongest state-owned company. What do you think?
143. If the investment fails, won’t I lose?
Answer: No one dares to guarantee what is wrong. Just like a professional bowler, there will always be times when he cannot play slams, but his chance of failing is less than your chance of success.
In fact, we are more related to investment returns than you, because investment returns directly affect our reputation, so we hired experts to help you invest and manage your finances and serve you with all your heart. What else do you have to worry about?
Moreover, from the perspective of risk, our company currently mainly invests in government securities, financial bonds, and government key construction bonds. The investment risks in these investment directions are relatively small, especially treasury bonds. Recently, the China Insurance Regulatory Commission approved insurance companies to enter the stock market indirectly through investing in funds, thus expanding our investment channels. The risks and returns of investment funds are a kind of securities between stocks and ordinary bonds. Therefore, you can rest assured about the risks. Another point is that we need to be sure of the idea that Millennium Financial Management has no idea of losing money.
2. Trust issue
144. What investment should be invested and deposited in the bank for the most assured
Answer: Your idea is the same as mine. I used to deposit all the money in the bank. When the time comes, I will be sure of it. It’s different now. The interest rate for depositing a bank is getting lower and lower. Coupled with the impact of interest tax and inflation, it is difficult to achieve ideal value-preservation and appreciation effects on money stored in the bank. If you ask an expert to help you with more channels and complex investments, it will not only save a lot of trouble, but also make your returns richer, so why not do it? Whether it is the money you keep at home or the money you deposited in the bank yourself, it is the money you earned hard. You won’t want it, right?
145. This thing is too complicated and I feel dizzy.
Answer: The terms are indeed very careful, because after all, this is different from general insurance. There is a lot of expertise involved in finance. It is precisely because of this that our company's operations are very standardized and your guarantee and investment can be truly guaranteed. In fact, this product simply includes two contents: your protection and investment. With special supervision from state organs and our company's investment experts help you operate, what else can you worry about?
146. Your insurance company is so smart, you only make money and not lose money. The one who suffers is still the one who suffers
Answer: As an insurance company, we attach great importance to the interests of our customers, because this is the basis of our long-term development. We will definitely not blindly launch a product and neglect management to damage our own image. In fact, we bear huge reputational risks. Therefore, insurance companies will definitely carry out investment operations very responsibly to achieve the goal of win-win with customers. At the same time, if there is no dividend, we still have a guarantee and a 5% survival fee every three years.
147. The domestic financial market is not yet perfect. How do you guarantee my return?
Answer: In terms of investment strategy, we pursue stable appreciation of assets, and first of all, we must ensure the security of funds. In terms of current investment products, they are mainly treasury bonds, bank deposits and investment funds. These investment products are relatively safe and have certain value-added potential.In addition, you make sense. The domestic financial market is currently being improved, but whether there is a return or not, whether the market is perfected or not, the key lies in who is operating and in which scope it operates. Institutional operations are of course advantageous than personal investment. Maybe you personally cannot enter certain markets to make money, but with our investment experts to help you operate, the winning chance will be greater and the funds will be safer. What do you think?
148. Will my money be used in other places by your company?
Answer: (1) Your worries are actually understandable. In fact, we only use a small part of all your premiums to manage expenses, and the real meaning of this product is that in addition to providing you with guarantees, it also helps you make investments. The specific operation is carried out by our company's investment department. The China Insurance Regulatory Commission will strictly monitor it. Every year, the independent association affairs recognized by the China Insurance Regulatory Commission will audit investment assets. All your investment profits are stored in the company's accounts. This plan is most suitable for people like you, do you think so?
149. What kind of expert financial management and investment are all scams
Answer: You have this idea, maybe you have suffered losses in this regard. Can you tell me what it is going on? (If it is true) It should be said that even the "expert" fails once, just like you accidentally tripped when walking every day. As for being cheated, it is not because he is a "expert". There are always bad sheep in this society. However, the professionals within our company are strictly monitored in the use of funds. The company must be guaranteed with integrity when continuing operations, do you think so?
150. Since it is an expert financial management, why not guarantee returns? The senior leadership of the British Bank of Bahrain is also an investment expert, so why does it go bankrupt?
Answer: Because there is indeed a possibility of risks, we cannot lie to you that there is no risk, but from our company's operating performance, we can see that our experts have strong financial management capabilities. For their own interests, they will do their best; in addition, we are directly managed by the State Council, and the system is completely different from that of the Bahrain Bank: we have a strict monitoring mechanism, and the flow of funds is strictly controlled by the China Insurance Regulatory Commission, and all the processes are very cautious. The Bahrain Bank caused huge losses due to its investment in high-risk derivative financial instruments such as foreign exchange futures and options, while dividend (investment-linked) insurance is currently limited to investment in bonds, bank deposits, securities investment funds and other low risks and relatively stable returns.
151. Is the investment risk the only one I bear?
Answer: Of course not, the company will share the investment risks with you. Insurance companies want to share benefits with you, rather than lose profits or reputation. It is precisely because of this that experts will ask you to invest in this investment product. If the investment is not good, the customer's risk will not be able to pay dividends at most, but the insurance company must also bear the guaranteed insurance benefits to the customer in accordance with the contract, and also bear reputational losses. Therefore, the risk is not only for you, we will bear more risks. Our company is currently the most powerful life insurance company in mainland China. It is safe to buy insurance in such a good reputation company. Do you think so?
3. Payment issue
152. You cannot pay in one lump sum, don’t like
0 Answer: What do you mean is that you feel that one-time payment is more worry-free, or do you want to invest a part first and try it? If it is because one-time payment is more worry-free, then the company can help you apply for a bank transfer card, and even if you pay each period, it won’t be too troublesome. In addition, experienced experts help you invest, which has saved you a lot of trouble in investment operations, and I think you can also save you worry. If you want to insure a part of the insurance first, it means you are very cautious about investment, then you can invest in part first and then invest additionally in the future. To be honest, paying a premium every year can make money by breaking it into pieces, and using small amounts of money to operate in the market with the help of the company's scale funds. The benefits are obvious.I don’t know why you like to pay in one lump sum. Most foreigners like to pay in installments when buying houses. Few people will pay in one lump sum, because this is easier. In fact, they are quite smart, right!
153. Too expensive
Answer: It does seem to have a lot of investment, but will it feel expensive to deposit money in the bank? In fact, it is the same, how much investment it is, how much it gains. Which one do you think is more expensive, a certificate of deposit worth 10,000 yuan or a certificate of deposit worth 500,000 yuan? If you replace "buying insurance" with "taking insurance" or "investment", there is no question of whether it is expensive or not.
154. Compared with other insurance types, this insurance type pays the same money and has less protection. It is not cost-effective.
Answer: It doesn’t seem that the protection is very high. Do you know why? The biggest feature of this new insurance type is that it not only uses money to buy your most basic protection, but also uses this money to invest for you, so that the money you pay can get as high as possible through the investment operation of experts. Therefore, its future returns may be completely different from ordinary life insurance products. Internationally, this kind of investment insurance product has become more and more popular, not because foreigners are smarter than us, but because we didn’t expect it before. Moreover, with the support of national policies, the prospects must be very good. Trust me, that's right. Wouldn't it be cost-effective to pay the same money, both guaranteed and invest in it?
155. I guarantee that some don’t want it, can I give all dividends?
Answer: I think not only you need protection, but your family also needs protection. This is what we usually say that we should fulfill our obligations for our family. I think when your family (parents, lovers, children) buy new clothes, buy home appliances, or even buy a house with a loan, you must feel very happy and proud. This kind of happiness and pride is actually the obligation you fulfill because of your ability. If you do not fulfill these obligations, someone else must take this responsibility for you. The protection part of dividend insurance is actually to make you have protection and your family safe, so that you and your family can enjoy investment returns without worries. Do you think?
156. Is it so difficult to get money? It’s better not to buy
Answer: Do you think this is the insurance company deliberately making things difficult for you? Actually, you can think about it. If these legal procedures are not available, will not everyone be able to take advantage of your account with a little thought? This is the money you have earned with great effort, and it was not stolen from you. Are you so confident that you let others snatch it? If there weren't many cases that were falsely arising from banks and stock markets now, insurance companies wouldn't have used these troubles as a commitment to their customers. Insurance companies are the most reliable in this regard, what do you think?
4. Problem with excuses to delay
157. Good is good, but I am tight now, so I will consider
Answer: Yes, money is difficult to make now, and many families feel tight. But don’t you think that when our economy is still abundant, we should arrange and use our funds reasonably. There are two problems that we cannot ignore: one is necessary guarantees to prevent emergencies from shaking down our family economy. This is your last barrier! In addition, part of the idle funds should be operated safely and effectively to achieve full value-added. And our dividend insurance can solve these two problems for you.
158. My money has other uses, I don’t want to buy your insurance
Answer: You are really an independent person. Can you ask me how to manage your finances in general? (Listen, compare reasonable income distribution to find out the problem) It seems that this is true, but I am not careful to recommend that you withdraw about 10% of your income to participate in this plan. First, there will be stable guarantees, and second, there will be opportunities for investment appreciation, which will not affect your original plan. What do you think? If you want to discuss with your wife
159. Answer: Your wife is really a blessing. She must be a balanced and harmonious family. She must be a very independent person. However, generally speaking, the wife saves money and manages the accounts, and the real family matters often require the husband to make the decision.I think you are willing to give her a surprise! According to authoritative statistics on the investment market, women only account for a little more than 30% of them to buy such advanced products, and basically men have a relatively accurate view of this, and it can be seen that this new product has greater investment flexibility and return potential than the products on the market today. In addition, there are investment experts from our company to help you. I think you won’t be too worried about the operation of the experts, right? If you are online - insurance information download website
160, don’t be too rush to buy it, anyway, banks and bonds will not have good returns immediately during this period
Answer: It seems that you are very good at investing, and you must also have a good understanding of the recent market. Although the market has not changed much recently, good returns are accumulated by every slight change. Our investment experts’ daily job is to observe and judge and capture these small changes, and ordinary individual investors often miss these opportunities. In the long run, the current time is a good time to "enter the market". It doesn't matter if I wait for a while, what I lose is your reward. If you invest the same way, you will get more profits than others one day earlier, otherwise you may miss an opportunity. What do you think? (Promoting attempt)
AIA Excellent Leaders Alliance Co-founders: Huo Weiliang, Huo Haozhuang, Liu Lizhu, Huo Minyi, Li Feiyan
Answer: There is indeed such a legend, but you know: China's "Insurance Law" stipulates that all Chinese and foreign-funded insurance companies established in China must operate funds in accordance with China's "Insurance Law". According to the provisions, the current funds operation is only four aspects: bank deposits, government bonds, financial bonds, and other methods stipulated by the State Council. Each company is only allowed to take out 10% of the operating funds to participate in securities investment funds. At the same time, in terms of the company's stipulated strength, China Life Insurance ranks first in the country, with total assets of 160 billion yuan, premium income in 2000 reached more than 60 billion yuan, market share exceeded 70%, and promoted and invested nationwide. The funds of foreign-funded insurance companies cannot be used as randomly as ordinary people imagine. Therefore, in this way, it is definitely correct to choose the strongest state-owned company. What do you think?
143. If the investment fails, won’t I lose?
Answer: No one dares to guarantee what is wrong. Just like a professional bowler, there will always be times when he cannot play slams, but his chance of failing is less than your chance of success.
In fact, we are more related to investment returns than you, because investment returns directly affect our reputation, so we hired experts to help you invest and manage your finances and serve you with all your heart. What else do you have to worry about?
Moreover, from the perspective of risk, our company currently mainly invests in government securities, financial bonds, and government key construction bonds. The investment risks in these investment directions are relatively small, especially treasury bonds. Recently, the China Insurance Regulatory Commission approved insurance companies to enter the stock market indirectly through investing in funds, thus expanding our investment channels. The risks and returns of investment funds are a kind of securities between stocks and ordinary bonds. Therefore, you can rest assured about the risks. Another point is that we need to be sure of the idea that Millennium Financial Management has no idea of losing money.
2. Trust issue
144. What investment should be invested and deposited in the bank for the most assured
Answer: Your idea is the same as mine. I used to deposit all the money in the bank. When the time comes, I will be sure of it. It’s different now. The interest rate for depositing a bank is getting lower and lower. Coupled with the impact of interest tax and inflation, it is difficult to achieve ideal value-preservation and appreciation effects on money stored in the bank. If you ask an expert to help you with more channels and complex investments, it will not only save a lot of trouble, but also make your returns richer, so why not do it? Whether it is the money you keep at home or the money you deposited in the bank yourself, it is the money you earned hard. You won’t want it, right?
145. This thing is too complicated and I feel dizzy.
Answer: The terms are indeed very careful, because after all, this is different from general insurance. There is a lot of expertise involved in finance. It is precisely because of this that our company's operations are very standardized and your guarantee and investment can be truly guaranteed. In fact, this product simply includes two contents: your protection and investment. With special supervision from state organs and our company's investment experts help you operate, what else can you worry about?
146. Your insurance company is so smart, you only make money and not lose money. The one who suffers is still the one who suffers
Answer: As an insurance company, we attach great importance to the interests of our customers, because this is the basis of our long-term development. We will definitely not blindly launch a product and neglect management to damage our own image. In fact, we bear huge reputational risks. Therefore, insurance companies will definitely carry out investment operations very responsibly to achieve the goal of win-win with customers. At the same time, if there is no dividend, we still have a guarantee and a 5% survival fee every three years.
147. The domestic financial market is not yet perfect. How do you guarantee my return?
Answer: In terms of investment strategy, we pursue stable appreciation of assets, and first of all, we must ensure the security of funds. In terms of current investment products, they are mainly treasury bonds, bank deposits and investment funds. These investment products are relatively safe and have certain value-added potential.In addition, you make sense. The domestic financial market is currently being improved, but whether there is a return or not, whether the market is perfected or not, the key lies in who is operating and in which scope it operates. Institutional operations are of course advantageous than personal investment. Maybe you personally cannot enter certain markets to make money, but with our investment experts to help you operate, the winning chance will be greater and the funds will be safer. What do you think?
148. Will my money be used in other places by your company?
Answer: (1) Your worries are actually understandable. In fact, we only use a small part of all your premiums to manage expenses, and the real meaning of this product is that in addition to providing you with guarantees, it also helps you make investments. The specific operation is carried out by our company's investment department. The China Insurance Regulatory Commission will strictly monitor it. Every year, the independent association affairs recognized by the China Insurance Regulatory Commission will audit investment assets. All your investment profits are stored in the company's accounts. This plan is most suitable for people like you, do you think so?
149. What kind of expert financial management and investment are all scams
Answer: You have this idea, maybe you have suffered losses in this regard. Can you tell me what it is going on? (If it is true) It should be said that even the "expert" fails once, just like you accidentally tripped when walking every day. As for being cheated, it is not because he is a "expert". There are always bad sheep in this society. However, the professionals within our company are strictly monitored in the use of funds. The company must be guaranteed with integrity when continuing operations, do you think so?
150. Since it is an expert financial management, why not guarantee returns? The senior leadership of the British Bank of Bahrain is also an investment expert, so why does it go bankrupt?
Answer: Because there is indeed a possibility of risks, we cannot lie to you that there is no risk, but from our company's operating performance, we can see that our experts have strong financial management capabilities. For their own interests, they will do their best; in addition, we are directly managed by the State Council, and the system is completely different from that of the Bahrain Bank: we have a strict monitoring mechanism, and the flow of funds is strictly controlled by the China Insurance Regulatory Commission, and all the processes are very cautious. The Bahrain Bank caused huge losses due to its investment in high-risk derivative financial instruments such as foreign exchange futures and options, while dividend (investment-linked) insurance is currently limited to investment in bonds, bank deposits, securities investment funds and other low risks and relatively stable returns.
151. Is the investment risk the only one I bear?
Answer: Of course not, the company will share the investment risks with you. Insurance companies want to share benefits with you, rather than lose profits or reputation. It is precisely because of this that experts will ask you to invest in this investment product. If the investment is not good, the customer's risk will not be able to pay dividends at most, but the insurance company must also bear the guaranteed insurance benefits to the customer in accordance with the contract, and also bear reputational losses. Therefore, the risk is not only for you, we will bear more risks. Our company is currently the most powerful life insurance company in mainland China. It is safe to buy insurance in such a good reputation company. Do you think so?
3. Payment issue
152. You cannot pay in one lump sum, don’t like
0 Answer: What do you mean is that you feel that one-time payment is more worry-free, or do you want to invest a part first and try it? If it is because one-time payment is more worry-free, then the company can help you apply for a bank transfer card, and even if you pay each period, it won’t be too troublesome. In addition, experienced experts help you invest, which has saved you a lot of trouble in investment operations, and I think you can also save you worry. If you want to insure a part of the insurance first, it means you are very cautious about investment, then you can invest in part first and then invest additionally in the future. To be honest, paying a premium every year can make money by breaking it into pieces, and using small amounts of money to operate in the market with the help of the company's scale funds. The benefits are obvious.I don’t know why you like to pay in one lump sum. Most foreigners like to pay in installments when buying houses. Few people will pay in one lump sum, because this is easier. In fact, they are quite smart, right!
153. Too expensive
Answer: It does seem to have a lot of investment, but will it feel expensive to deposit money in the bank? In fact, it is the same, how much investment it is, how much it gains. Which one do you think is more expensive, a certificate of deposit worth 10,000 yuan or a certificate of deposit worth 500,000 yuan? If you replace "buying insurance" with "taking insurance" or "investment", there is no question of whether it is expensive or not.
154. Compared with other insurance types, this insurance type pays the same money and has less protection. It is not cost-effective.
Answer: It doesn’t seem that the protection is very high. Do you know why? The biggest feature of this new insurance type is that it not only uses money to buy your most basic protection, but also uses this money to invest for you, so that the money you pay can get as high as possible through the investment operation of experts. Therefore, its future returns may be completely different from ordinary life insurance products. Internationally, this kind of investment insurance product has become more and more popular, not because foreigners are smarter than us, but because we didn’t expect it before. Moreover, with the support of national policies, the prospects must be very good. Trust me, that's right. Wouldn't it be cost-effective to pay the same money, both guaranteed and invest in it?
155. I guarantee that some don’t want it, can I give all dividends?
Answer: I think not only you need protection, but your family also needs protection. This is what we usually say that we should fulfill our obligations for our family. I think when your family (parents, lovers, children) buy new clothes, buy home appliances, or even buy a house with a loan, you must feel very happy and proud. This kind of happiness and pride is actually the obligation you fulfill because of your ability. If you do not fulfill these obligations, someone else must take this responsibility for you. The protection part of dividend insurance is actually to make you have protection and your family safe, so that you and your family can enjoy investment returns without worries. Do you think?
156. Is it so difficult to get money? It’s better not to buy
Answer: Do you think this is the insurance company deliberately making things difficult for you? Actually, you can think about it. If these legal procedures are not available, will not everyone be able to take advantage of your account with a little thought? This is the money you have earned with great effort, and it was not stolen from you. Are you so confident that you let others snatch it? If there weren't many cases that were falsely arising from banks and stock markets now, insurance companies wouldn't have used these troubles as a commitment to their customers. Insurance companies are the most reliable in this regard, what do you think?
4. Problem with excuses to delay
157. Good is good, but I am tight now, so I will consider
Answer: Yes, money is difficult to make now, and many families feel tight. But don’t you think that when our economy is still abundant, we should arrange and use our funds reasonably. There are two problems that we cannot ignore: one is necessary guarantees to prevent emergencies from shaking down our family economy. This is your last barrier! In addition, part of the idle funds should be operated safely and effectively to achieve full value-added. And our dividend insurance can solve these two problems for you.
158. My money has other uses, I don’t want to buy your insurance
Answer: You are really an independent person. Can you ask me how to manage your finances in general? (Listen, compare reasonable income distribution to find out the problem) It seems that this is true, but I am not careful to recommend that you withdraw about 10% of your income to participate in this plan. First, there will be stable guarantees, and second, there will be opportunities for investment appreciation, which will not affect your original plan. What do you think? If you want to discuss with your wife
159. Answer: Your wife is really a blessing. She must be a balanced and harmonious family. She must be a very independent person. However, generally speaking, the wife saves money and manages the accounts, and the real family matters often require the husband to make the decision.I think you are willing to give her a surprise! According to authoritative statistics on the investment market, women only account for a little more than 30% of them to buy such advanced products, and basically men have a relatively accurate view of this, and it can be seen that this new product has greater investment flexibility and return potential than the products on the market today. In addition, there are investment experts from our company to help you. I think you won’t be too worried about the operation of the experts, right? If you are online - insurance information download website
160, don’t be too rush to buy it, anyway, banks and bonds will not have good returns immediately during this period
Answer: It seems that you are very good at investing, and you must also have a good understanding of the recent market. Although the market has not changed much recently, good returns are accumulated by every slight change. Our investment experts’ daily job is to observe and judge and capture these small changes, and ordinary individual investors often miss these opportunities. In the long run, the current time is a good time to "enter the market". It doesn't matter if I wait for a while, what I lose is your reward. If you invest the same way, you will get more profits than others one day earlier, otherwise you may miss an opportunity. What do you think? (Promoting attempt)
AIA Excellent Leaders Alliance Co-founders: Huo Weiliang, Huo Haozhuang, Liu Lizhu, Huo Minyi, Li Feiyan
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