Aug 23 2013, 03:37 PM
QUOTE(cherroy @ Aug 23 2013, 03:25 PM)
If the agent is listening to the customer, then good.
But I had came across many time, it is agent talk only most of the time.
When customer said no afford, then start the "scare" tactic, see what if accident time, cannot work, your family suffer, so should take up this insurance that insurance. Insurance gives your peace of mind blar, blar.
I personally hate this kind of "scare" tactic.
Agent should always listen to customer needs and situation.
Not everyone can afford to have all the insurance. If really cannot afford, so be it. Forcing customer to over-commit due to sign up an insurance, can make the customer life more hard to meet the monthly commitment.
I had also seen insurance agent try to persuade a customer that not yet have income or steady income to commit into saving plan, cited got good interest rate.
Not yet have steady income, commit to saving plan?
Yes, no doubt there are still many good insurance out there, just sharing some unpleasant experience before.
Yes a lot of time insurance agent try to give all kind of scare tactic telling you need all kind of insurance, inflation lah, future education lah etc etc. They also sometime over promote the need for excessive coverage, which is 'harmful' instead of helpful.But I had came across many time, it is agent talk only most of the time.
When customer said no afford, then start the "scare" tactic, see what if accident time, cannot work, your family suffer, so should take up this insurance that insurance. Insurance gives your peace of mind blar, blar.
I personally hate this kind of "scare" tactic.
Agent should always listen to customer needs and situation.
Not everyone can afford to have all the insurance. If really cannot afford, so be it. Forcing customer to over-commit due to sign up an insurance, can make the customer life more hard to meet the monthly commitment.
I had also seen insurance agent try to persuade a customer that not yet have income or steady income to commit into saving plan, cited got good interest rate.
Not yet have steady income, commit to saving plan?
Yes, no doubt there are still many good insurance out there, just sharing some unpleasant experience before.
When I tell them I have more than enough to self insure so no need buy certain insurance... they stare at me blankly, with their mouth hanging wide open.
Not everyone needs all kinds of insurance coverage some need more, some need less. Rule of thumb is the less wealthy you are, the more insurance you need, as you are less likely to be well prepared for emergencies.
My best insurance agent is the one that never call me one, instead if i need to discuss certain coverage I will call him for quotation instead.
This post has been edited by gark: Aug 23 2013, 03:41 PM
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