Humorous reasons for refusing to buy life insurance

1 No money When the prospective applicant refuses to apply for insurance on the grounds that "I don't have extra money", you can say ... △ "Mrs. Chen: If I want to encourage you to buy some luxury goods with no practical value today, then you really have a good reason to say" I can't afford it financially ". However, what I want to discuss with you today is some insurance contents that can guarantee your daily income from food, clothing, housing, transportation and education … and so on. Besides, you only need to pay a small premium to have all these guarantees. Isn't this a good deal? Mr. Yang: If you are suddenly awakened by a toothache one morning, you will be eager to go to the stomatological hospital, won't you? If you unfortunately need a large sum of money to treat your dental disease, you will directly tell the dentist, "It's too expensive! I can't afford it! There are no more doctors! Then make the toothache worse and leave it alone? Similarly, insurance has a more direct demand for you, don't you prefer a simple "I can't afford it!" " Too expensive "and then abandon your happiness guarantee? △ "Manager Jiang: If a fortune teller solemnly announces to your good friend now-his birthday is coming to an end, and there are not many days to live! I think, his first reaction will not be to earn more money to protect the life of his family? However, please think about him carefully: will it be in time? Someone once said, "The only time we can turn Gan Kun around is when we still have the ability to seize the opportunity." If he had waited until it was too late to make up for it, I'm afraid he would have been reborn long ago. Then, why not seize the opportunity as early as possible and persuade him to take out an insurance for his family's rights and interests now, so as not to regret it in the end and have no recourse? △ If your current income suddenly decreases, then you will naturally tighten your belt to reduce the lifestyle you need to cope with the decrease in salary. So it's absolutely impossible that you can't afford to pay the insurance premium. Because you only need to save a small part of your salary, you can have a perfect insurance. This small sacrifice can be exchanged for permanent benefits and protection. Is it not worth it? "Not interested! If the prospective applicant says, "I already have an insurance policy, I am not interested in buying insurance again!" "When it is the reason for refusing insurance, then its motivation for refusing insurance is probably that it is not interested in the interview! Giving up is hopeless! So, when you encounter this kind of rejection, you can look at it from another angle and say …△ "Mr. Zhang: If you think the insurance policy you have now is enough to meet your needs, then of course I am happy for you. I just want to ask you, if anything happens to you now, can you be sure that your wife can maintain her present property, raise a good child and live as comfortably as she is now? If not, can we consider giving them more protection? Mr. Li: I'm glad to hear that you bought insurance, because it means that you have at least a preliminary plan for your financial situation, and the purpose of my coming here today is to check the contents of the insurance policy for you and see if it suits your current needs. "Mr. Zhu: I believe that you must not have the idea of buying insurance at present. To tell the truth, I would be surprised if you tell me now that you want to buy insurance again! But as far as I know, most responsible people like you always plan ahead: their carefully designed insurance policies can not only ensure that their families can have perfect financial security in the event of unfortunate accidents; I will also be considerate to have a solid pension fund for the rest of my life in case of retirement. So, if you don't mind, can I check your current insurance policy for you? One of the biggest reasons why there is no need to attract prospective policyholders to buy insurance is that the contents of the policy meet their own needs. If there is no policy content that meets the needs of prospective policyholders, they will certainly not buy it easily. Therefore, an excellent insurance salesman should definitely avoid providing prospective policyholders with the contents of the insurance policies they don't need. Otherwise, it will not only fail to attract new prospective policyholders to apply for insurance, but also cause the original policyholders to be dissatisfied with you and surrender their insurance. In fact, the starting point of "insurance" is to fulfill personal responsibilities and meet personal needs. Therefore, everyone will have insurance needs, depending on whether the sales staff can have an eye for the individual needs of the insured! So, when prospective policyholders ask you, "I don't need insurance! "Whether this is an excuse for the prospective insured to avoid the interview or you really don't know that you have this need, you can use the following answers to remind the other party to pay attention to their urgent needs. △ "Miss Liu: You said you didn't need insurance. That's why I came to visit you. In fact, the only way to judge whether the policy content meets your needs is to see whether its insurance items can fully meet your expectations for future life. If insurance can make your future life more in line with accidental ideals, how can you say that you don't need insurance? "Brother Miao: I know that your wife is a capable professional woman, but is her income and ability enough to raise children and support this family independently in case of any misfortune? △ "Liu: I don't want to give you any advice, but I just want to remind you of an interesting phenomenon-I wonder if you have noticed that most of the beneficiaries of your checks are others? So, I wonder if you are interested in writing yourself a check with your name on it? Mr. Lin: I want to remind you that in a few years, when you reach the age of 65, you will have to retire. Therefore, the only way to ensure a stable income after retirement is to get insurance quickly! "Don't worry! If the prospective applicant asks, "Don't worry! You can come another day. As a reason for delaying the insurance, you can answer the other party like this: △ "Miss Wu: I am very glad that my insured can get the most perfect protection and the best income. I believe I can do it 100%. If you doubt it, then you will not enjoy all the benefits at once! Then, please let me explain the contents of the policy for you. △ "Teacher Liu: Let's consider insurance now! Since it's so easy for you to decide whether to take out insurance, why don't you ask your question while I'm here and let's solve it now? △ "Mr. Yang: We don't have the ability to pay premiums all our lives. Maybe just a car accident can make an energetic young man lose his ability to work. Therefore, although we all believe that there is sufficient insurance capacity at present; However, the weather is unpredictable. Who can predict the future? So, please don't hesitate when you think about your own interests! Perhaps it is such a slight hesitation that you can get nothing! So please don't make fun of your happiness, ok? 」

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.