It is said that there are two kinds of logic in the world, one is called logic, and the other is called divine logic of China people. What is the divine logic of China people? Take the recent hot high-speed rail hegemony group as an example. It is a kind of rogue divine logic. It's no use trying to reason with them. The only solution is to hit them once (as a joke).

In fact, there is a third logic, called the divine logic of insurance salesmen, especially in their circle of friends, which mainly brushes the sense of existence and brainwashes you.

Divine logic 1: Knock you out with beautiful but false data.

Let's take a look at a publicity picture that is very popular among salespeople's circle of friends, usually with a picture version and a text version.

Do you feel very reasonable, intuitive and sincere after reading it? But if you look closely, you will find that the salesman's math cliff was taught by a physical education teacher. Your family's critical illness insurance, the coverage 1 10,000, only needs 30,000. If it's not 30 thousand a year, I'm afraid it will take 20 years, or it's a deliberate change of mind, obviously taking advantage of everyone's blind spot. Under normal circumstances, a 20-year-old man, even if the regular 65438+.

There's another one. Do you think it's a good deal? Take a baby of 0 years old as an example. It 10 year pay 10, 30 year return150,000. Calculated by irr, the real rate of return is only 2%, even if it is deposited in the bank on a regular basis, it will be more than that. Another thing is to make you feel that after 30 years, you can get 300,000 yuan, children150,000 yuan, and support yourself150,000 yuan. What he didn't tell you was that it was a choice, and it was just a word game. Just make sure that you don't calculate and don't really look at the terms, and directly attract you with income data. If you really pay the money, you will be accused of misunderstanding when there is a dispute, and people can't guarantee anything.

Divine logic 2: others are discussing the advantages and disadvantages of products, and he tells you his feelings.

When the products of big brand companies are torn to pieces, the sales staff will always say: Our company is big, our company claims well, ranking first in the whole industry. No one wants to take money if there is an accident, but it depends on the brand at the crucial time! ! Even serious nonsense.

It can be said responsibly that none of the contents about the claim responsibility in the above picture is true. As long as the ectopic pregnancy is hospitalized, the medical insurance that meets the compensation conditions will be reimbursed. The compensation standard for thyroid cancer and rectal cancer is stipulated by the China Insurance Regulatory Commission, and all companies are the same. Why do you brag so confidently? I've been telling you that the popular science is incorrect, but until now I can still see this picture circulating in the circle of friends, and the publisher's tone is even more proud and helpless.

God's logic three: love is boundless, and you are filled with chicken soup.

Brushing a bowl of chicken soup every day is also a typical routine for most insurance salesmen. It is estimated that chicken soup is drunk and naturally brainwashed.

What we sell is not insurance, but love and chicken soup, which is their starting point.

But chicken soup will get angry if you drink too much. Selling chicken soup is a good hand. Please be careful when recommending products.

For example, recommend financial education funds to children. If you are really worried about children's education, I suggest adults do enough protection, give themselves a purely guaranteed life and make money without worry. This is the safest guarantee for children.

Every industry should have its own industry standards and value ethics. Those who think that selling chicken soup is the so-called love and responsibility don't know whether it is their own IQ or the IQ of their customers.

There are more than 8 million insurance employees, and it is impossible to prevent all kinds of gimmicks and role-playing. From ancient times to the present, they can't keep their family ties, and they can always win people's hearts. Sadly, there will always be people who believe this.

As the saying goes, it hurts the enemy 800. Apart from consumers and insurance companies, these practices ultimately harm the whole industry.

Of course, there is still seriousness. The following are just some examples for your attention in the future. There are good and bad things in any industry, but there is a lot of rubbish in this industry. Everyone must keep their eyes open and see clearly.

Whether you can meet a serious and reliable person is a choice besides luck. Finally, I wish everyone can meet reliable professional practitioners.

(Insurance professionals rely on snails to prevent pits. Jun Zhihu: Snails say insurance)