At The End Of The Year, Insurance Sales Promotion Calls More Than Money.

Although many policyholders tend to buy insurance online, many online insurance and electricity selling insurance have little difference.

By the end of the year, telephone sales insurance seemed to be more frequent than ever before.

Although many insurance associations have launched the "ban platform".

But for many policyholders who like to bargain and ask for gifts, electricity sales insurance is still the first choice.

In addition, many

Convenient policyholders tend to buy insurance online. However, many network car insurance, like traditional electric car insurance, requires telephone communication.

The biggest difference between the two lies in the fact that one is the active delivery of the olive branch by the customer, the other is the initiative of the insurance company.

Selling insurance calls is more than financial management.

By the end of the year, telephone sales insurance seemed to be more frequent than ever before.

Ms. Li told the Securities Daily reporter that "recently, the sales of insurance telephone is even more than that of selling financial products."

And the insurance company that she had participated in before giving insurance activities has also sent a telegram to her to recommend the electric sales exclusive product, the product involves accident insurance, health insurance and so on, Ms. Li is recommended to dazzle.

This is not related to the premiums and premiums of major insurance companies at the end of the year.

However, for some owners, the expiration date of vehicle insurance is at the end of the year, which is "nightmares".

Ms. Zhu told the Securities Daily that her expiration date was December 11th, but her mobile phone started a "bombardment Tour" from last week.

"One day you can receive calls from 3 different salesmen of the same company."

Miss Zhu said with great reluctantly.

In addition to the insurance company she insured last year, other property insurance companies are not too outspoken. "It is clear that there is still a month to expire, but now basically every call is directed at my car."

In fact, for those who are suffering from telephone sales insurance nuisance, there is a long way to go.

The prohibited platform is a product that is affiliated to the local insurance industry association's official website. The owner only needs to input his cell phone number and verification code to enter the prohibited platform directly, without providing information such as name, identity card number, home address, etc.

As long as the phone numbers recorded on the platform are not allowed, the sales calls of the insurance companies will no longer be received.

It is reported that the "ban platform" has been launched in Beijing, Shanghai, Dalian, Heilongjiang, Zhejiang, Guangdong, Hebei, Jiangsu, Hunan, Jiangxi and so on.

Electric gift can't exceed 200 yuan.

However, for Ms. Zhu, she did not want to join the "ban platform".

Ms. Zhu said that although her children had always recommended her to buy auto insurance online, she still loved the "bargain" process with telephone insurance sales.

The main character of bargaining is, of course, discounts and gifts.

"Actually, I know that many gifts are useless, but the price is almost the same. If the gift is too many, it will be a discount."

Ms. Zhu said that in fact, she basically risks every year because of minor accidents such as scraping and scraping. Therefore, there is no difference in the price of her auto insurance, whether it is purchased online, purchased by telephone or directly bought by a salesperson.

Ms. Cai, who works in the insurance company, has confirmed this to the Securities Daily reporters. "In fact, we have a discount list inside, we can apply for a limited discount rate, so we still rely mainly on gifts to attract customers."

She believes that among all the gifts, more outlets, better service car wash cards, more practical maintenance cards or more expensive "high value" gifts are most popular.

In fact, gifts for successful insured customers have become the industry's "hidden rules".

However, because gift giving can sometimes obscure the focus of the policyholder and damage the interests of the insured, the CIRC has repeatedly refused to let insurance companies use concession to attract customers, but this behavior is still "wildfire".

And the phenomenon of Internet insurance premiums is endless. In the past double eleven period, every insurance company basically put the "sending iPhone6" in the most prominent position.

However, careful observation reveals that sending iPhone is just a lucky draw for the platform.

Prior to that, the CIRC issued a notice on promoting the development of the Internet insurance business of life insurance companies (referred to as the notice).

The circular stipulates that Internet insurance business of insurance companies can promote sales by giving insurance, or directly related goods and services with insurance.

In addition to the relevant provisions of this circular, the premium of insurance premiums and the cost of goods and services directly related to insurance shall not exceed 5% of the total premium of corresponding insurance products.

Therefore, for car insurance products at four thousand or five thousand yuan, the price of car insurance gifts can not exceed 200 yuan.

However, reporters have learned that the most popular gifts are usually of value.

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And the net pin, electrical sales and other ways of the difference is only 100 yuan.

Internet insurance also needs to sell electricity.

In addition, many people choose to buy online auto insurance nowadays. However, many Internet insurance policies are necessities during the purchase process.

In the course of a reporter's investigation, it is found that if you are going to renew insurance in the same insurance company, you can quote the price of vehicle insurance in real time only through the license plate number and frame number.

"Because Currie has a very good record of the car, the number of risks, insurance preferences and so on."

Insiders said.

In this case, the premium price and the gifts are more intuitive, so it is difficult for the owners to carry out "bargaining" again.

However, if the owner decides to change the insurance company or purchase on the other third party platforms, he usually can not quote directly. Instead, he needs to leave his mobile phone number after entering the frame number and the license plate number, waiting for the contact of the customer service personnel.

However, in this process, the owner can still talk with customer service about conditions and gifts.

Therefore, this is not much different from the traditional electricity sales insurance.

In addition, today's sales of electric products can also be purchased through online payment. Therefore, the biggest difference between many online car insurance and traditional electric car insurance is only that.

One is the customer's initiative, one is the insurance company's first attack.