"Life insurance is the first financial product a saver has to buy, it's also one of the most commonly dangerous options."
Maybe some of us have entered a bank or maybe our payroll system is using the bank. Or maybe we have come to a bank to make an account.
When making an account, usually the security will ask first if our data is complete to make an account (for example ID card and NPWP)
If it is complete, we will be directed to fill out the account form. By the security man, we will usually be directed to sit in a chair with a table.
Beware, that might not be the Customer Service (CS) table!
It could be that the insurance sales table or in some banks is called Financial Advisor (FA).
Now at the bank, all personnel, ranging from CS, tellers, to security, are all required to sell. Alias is given a target for giving referrals.
So selling it by giving referral (Lead) to sales insurance.
Many new customers are trapped here ...
When we fill out a new account creation form, the insurance sales that we suspect CS will ask for this. While being friendly, we approach it, bro.
"Accounts for savings, bro?"
"How many children are you?"
"It's still small, yeah"
Most customers will reply innocently, "Yes make savings .."
Most customers think that having an account is the same as saving.
When the customer answers, "Yes the account is for savings"
This is where the insurance sales opportunity to offer produk.Apalagi kalo on the previous chat the customer told me if he did have a small child.
the sales will soon offer educational funding products.
Before going any further, I would like to clarify if the product offered by the insurance salesman at the BANK (or even CS, because usually a lot of CS BANK are good at selling, because they also can fee from every product they sell) is not a product of deceit .And indeed the product is good.
But most insurance sales or CS disguise their products or talk to others when selling insurance products.
The product of the insurance is said to be a savings account, when in fact it is less appropriate if it is called savings, because the savings deposit is fixed, even increase with the assumption of interest of a few percent.
If the insurance product is either called an educational savings or old-age savings by its BANK person, it is not a savings. More appropriately called is called investment!
The reason is because the cash value can not be ascertained. Even if it is down the money we have saved the amount can be below the nominal it should ..
Savings are suitable for the short term, while investment fits in the long run. Because investment promises a much greater return for customers. But yes it is. it is longer, for example ten or at least above seven years ..
Many customers who are deceived about this, for example if you keep five years of money can be taken. Can still, but not yet profit, still loss, could be because there is such thing as allocation of acquisition to form Sum Insured, the cost or whatever it namaanya.Tapi customer fitting the money in auto debit from the account for years already thought it would be a profit.Pas would be taken eh apparently not as expected, this is where customers begin to feel cheated, disappointed and angry.
"He used to explain it not so blah blah blah blah."
Focus when talking with personnel in the bank. They are trained to communicate, they are not amateiran.Kita can be "hypnotized" listen to them sayang can mangut-mangut doang ..
So we must carefully.No "yes yes yes" fit our account has been debited many times our new komplen.
The bank is the definition of an institution that collects funds from the community to then channeled back to the community in the form of credit.But now there are many banks that also sell insurance products, or at least there are insurance companies that work together and passengers in the bank.
So stay alert guys !!!