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保险产品作为银行代理业务品种,因其代理收益高、考核分值高、给营销员工计价高“三高”因素,形成了银行代理保险产品销售如火如荼的局面。为确保代理销售保险产品业务持续健康发展,笔者提出以下几点浅见。1.让顾客明晰保险与存款的概念。存款与保险有期限收益的共同点,但在销售当中更多的应当为客户说明其不同处。存款到期可获得既定收益,而保险非存款,其有投资分红功能,
Insurance products as a bank agency business varieties, because of their high agency returns, test scores high, to the marketing staff high pricing “three high ” factors, the formation of a banking agent insurance sales in full swing situation. In order to ensure the continuous and healthy development of the agency sales of insurance products business, the author made the following hints. 1. Let customers clarify the concept of insurance and deposits. There is a commonality between deposits and insurance with term benefits, but more often the customer should be explained in sales. Deposits due to obtain the scheduled benefits, and insurance non-deposit, which has the investment bonus function,