For most people, the insurance industry is still relatively unfamiliar. Many people will feel more entangled when they are invited to participate in the insurance company's opening event, and they don't know whether to participate or not.
After all, the insurance company's opening event seems to have a lot of preferential activities, which will be more exciting. So, can the insurance company's opening event go?
Here, Wutongjun will give you a detailed introduction to what the insurance company's opening activities are, hoping to help you.
The opening event of insurance companies can be understood as the "Double 11" of the insurance industry, and it is a particularly important sales time of the year for insurance companies.
In the opening activities of insurance companies, they often use concepts such as "high yield", "limited rush purchase", "limited time flash sale", and "quota grabbing" to attract policyholders.
In other words, in the opening activities of insurance companies, some products that seem to have greater discounts will be launched.
If you really have insurance needs, then you can participate in the insurance company's opening activities. However, be rational in the process of participating in the event and never buy insurance impulsively.
Although the insurance company's opening campaign is a formal marketing campaign, there are some routines in it.
1. Buy insurance and give gifts
Insurance companies often use the way of buying insurance and receiving gifts to attract policyholders in the opening activities. Many policyholders will be attracted by more exquisite gifts and choose to buy a lot of insurance.
In fact, insurance is different from other commodities, not the more the better, but to meet the protection needs. If the policyholder impulsively buys insurance in order to receive a gift, then it is very likely that he will regret it.
2. Promise high returns
In some insurance companies' kick-off campaigns, some salespeople promise high yields. In fact, the benefits of insurance products are within a reasonable range.
Here, I will take some increased whole life insurance with a high income level as an example to introduce the real income of insurance products.
In the chart above, we summarize the benefits of 7 incremental whole life insurance products.
Taking a 30-year-old woman who is insured and pays the premium in 5 years and pays 50,000 yuan per year as an example, the income level is as follows:
When the policyholder is 60 years old, the annualized compound rate of return is respectively. 18% (excluding dividends) 358% (including demo dividend.) 82% (excluding dividends) 3% (including demo dividends.) 83% (excluding dividends) 321% (including demo dividend).
When the policyholder is 80 years old, the annualized compound rate of return is as follows: 31% (excluding dividends) 353% (including demo bonus.) 1% (excluding dividends) 318% (including demo dividend.) 11% (excluding dividends) 35% (including demo dividend).
If you find that the products you purchased do not meet your actual needs after participating in the insurance company's opening activities, then you must try to surrender the policy within the hesitation period.
The cooling-off period is generally 10-15 days, starting from the time the policyholder receives and signs the insurance contract. During the cooling-off period, if the policyholder is not satisfied with the content of the insurance contract, he can apply to terminate the contract and get back all the premiums without bearing the loss.
Therefore, after you get the insurance contract, you must read the contract carefully, check if there is a problem, and respond in time.
Through the above content, we have given you a clear introduction to the opening activities of insurance companies. As for whether the insurance company's opening event can go, I believe everyone already has the answer in their hearts.