Re: [問題] 買保險不保險?
PO這篇文有說過,無意引起筆戰,這張商品也不是這篇文章的重點,
既然大家這樣問,我就說一下我的看法。
每個人的觀念不同,而做保險的你們認為客戶該擁有"終身"壽險嗎?
我校正過許多保單,有很久以前買的,也有最近買的,一定會有壽險,
連最會做定期壽險的保德信,我看到的主約也幾乎都有50萬終身壽險,
有算過繳了多少保費換來這一百萬嗎?
以現在的行情,我的年紀,有分紅的,保守估計至少要50萬吧!
而這張只要不到18萬,就算匯率有波動,有算過,還是值得!
我校正過許多保單,保費好高,可是壽險保障低到嚇人,
客戶喜歡用儲蓄險理財,喜歡買郵局產品,那是他的觀念,我不覺得有什麼對不對,
我沒這麼厲害,我的單子定期壽險額度總是做不高,一直被砍,觀念改變是需要時間的,
進來做業務前,我也只是客戶,也曾經覺得保費拿不回來浪費錢,
不可否認,光板上就常常有人PO文要買儲蓄險,而這張保價金滾很快,又有超高保障,
加上分紅機制彈性配合市場景氣,如果確定這六年繳的起,哪裡不好?
我自己剛出社會就進入南山,買完全險40000/年之外,加上花旗卡330全面保,
就只買這張,業務彈性大,銀行存款數字多,我會不想工作,所以我每年放五萬多在6UPPl
換200萬壽險,去年分紅也有1.2%,我不覺得哪裡不好,強迫我存錢又省下定期壽險的保費
客戶拿著*邦的五五得利,就是要"存錢",跟她介紹這張商品,哪裡不好?
台灣平均壽險保額61萬,你的每個客戶壽險多少?夠用嗎?
如果他的家庭需要500萬,每個都願意聽從您的專業購買嗎? 請不要鞭我,觀念沒有對錯!
這張很好去提高壽險,只有客戶願意拿出錢購買的保單,那才叫保障!
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