【SJ Discuss!】對「港式保險精英」的懷疑和誤解


SJ 曾經轉載過一篇港姐《港式保險精英》,不少讀者表示不能同意更多。也有代表保險界的讀者迅速PM SJ反擊港姐。

港姐道出了普通人對「保險佬」的一些看法,因為行業內充斥著大量這種人:厚臉皮,hard sell,口水佬是他們的標籤。批評的同時,也對於一些辛勤工作,一心為每個家庭帶來更好規劃的保險從業員是不公平的。

有鑒於此,SJ打算和讀者探討下這個問題,讓SJ讀者直接提出對保險從業員的一些懷疑,進行友好交流,進一步揭秘這個年度「朝陽行業」。

加入討論,可以係Facebook留言或者直接將comments填寫在以下的contact form, 我們將於審核後刊登於內文。Thanks!

SJ提示:最新回覆於2017.8.25收到,已更新內文。請繼續拉下閱讀回覆。

 


普通市民 25.8.2017 

第一,買保險有分 term及 life (with saving plan)

前者費用較低,agent佣金亦較低,後者費用較高、佣金亦較高,是agent重點推銷產品。 您如果懂得投資,買 term 危疾及人壽保險另外再自行買 reits,回報不會少過儲蓄成份的保險產品

第二,就算真係要買 saving plan, 建議也應先買沒有儲蓄成份的term,看看這個 agent 的辦事方式如何,是否與自己能合得來,不合或能力水平有問題的話,第二年就轉。  因為儲蓄成份的保險產品是很長投資期,您一定要找個合得來的經紀幫您。

買保險,選 agent是緊要過選公司,因為您真係要用這個保險時,是要靠這個人。所以他處理這些對他來說沒有額外錢賺的行政工作如何,回覆及工作速度如何,會好影響您。 有些 agent 專注做保險,有些agent本身有搞其他業務,例如翻內地投資房地產、開餐廳/ 酒吧,搞盪房等等,8足咁多抓。 又有些有 N 咁多個客要見,要開單,又或者要花很多時間招募下線建立團隊,有幾多時間關心您需要? 有幾多時間專注做好售後工作?

分別是當您突然有事,想找醫生寫紙入院,要佢refer 轉介處事較靈活/ 較容易寫紙入院的醫生,佢幾時覆到您? 我試過有agent星期五上午聯絡他,一直沒有回覆,要追到星期一晚他才回覆,簽單時又不止一次簽漏文件要我補簽,處理銷售後的行政工作只有這種水平,那我或我的家人往後要 claim 時,又怎信任他呢?

這種 agent,是要換掉的

 

Willy 21.8.2017 (現/曾經)保險從業員

I have been working in the insurance broker industry for 6 years in Hong Kong, and I have seen hundreds and hundreds new consultants coming in and out in this industry. I have to say, the turnover in this industry is EXTREMELY high…! It is because in Hong Kong working as a financial consultant we are purely commission based. Pure commission have no limits to what we earn which leads to the insurance companies or recruiters use this scheme as a recruitment gimmick to attract more people joining them. It really depends on the recruiters and their team culture on how to train new consultants. Not every industry is perfect. It’s just the matter of how there are more money-oriented consultants than other consultants that really serve customers.

We cannot deny that our commission comes from client’s premium and their investment terms. The longer and higher amount they invest, the more commission we will receive.
However, it is not fair to judge every single consultant / agent that they are realistic, selfish and careless about their clients. Not all of us are “hard sell” and aggressive, I also see quite a lot of consultants who do not show off that often, keep their achievements low profile while winning lots of client’s reputation. It’s just because those extraordinary consultants are low profile, not too many people can find those consultants easily.
Overall the financial planning industry is pretty unbalanced, indeed there are far more negative comments  than positive comments about us. I cannot even justify because of the insurance company’s culture or team culture which leads to their realistic and capitalism culture. But my advise to the public who wants to look for a responsible and caring agent/consultant: choose someone who is in financial planning industry for more than 3 years, who has establish good reputations and achievements. You will probably find these evidence in your friends circle/facebook/word of mouth. Choose consultants carefully as most financial planning involves at least 15-20 years plan. Think wisely about their personality, responsiveness and how passionate they are towards their career. Remember, there are still good consultants out there.

Anonymous 16.5.2017

“找無知畢業生入行去出賣自己親友當係光榮事業
以賣人為快樂之本既行業,美化唔到
入去做被迫洗腦
招募廣告跟本係騙局,甚至post 另一份工作及公司名,去到先知到又係保險公司

工作叫人賣D product 但係客係可以自己直接買到without agent, 跟本agent 就係件要出賣曬自己網路既工具

成日乜獎乜廣告去幫儍仔自慰,又要害人害物又要攞助人光環

近年請多新移民港飄人仕。”

 



普通市民:Jason 16.5.2017

“如果買D 19儲蓄保險,我唔係買2800好過乜 ?”

 


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