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SP02 不太保险 X 人间自由指南：人间不太保险小概率事件指南

2025/1/1

不太保险

AI Deep Dive AI Insights AI Chapters Transcript

People

Judy

一

一丝

汤

汤圆

Topics

一丝：分享了大量奇特的意外险理赔案例，强调人生充满意外，意外险的重要性，以及保险行业从业人员的职业体验。从理赔案例中可以看出，意外无处不在，即使是看似微小的事件，也可能造成损失。意外险能够为人们提供保障，减少意外带来的经济负担。同时，从业人员需要具备耐心和细致的服务态度，才能更好地帮助客户。在与客户的沟通中，要耐心解释医学荷宝和保险荷宝的区别，以及意外险理赔的流程和标准。与客户建立信任关系非常重要，要真诚对待每一位客户，即使是金额较小的理赔案件，也要认真处理。保险行业从业人员需要不断学习和提升专业知识，才能更好地服务客户。 Judy：分享了自己在美国校园偶遇本科同学，以及在澳门和美国偶遇初中同学和小学同学表弟的经历，体现了人生的奇妙和缘分。在与客户的沟通中，要真诚待人，展现自己的专业性和热情，才能赢得客户的信任。分享了自己与一丝相识的经历，以及被一丝的文章《一个癌症病人的保险意见》打动，并最终邀请一丝加入团队的经历。在保险行业，需要有信念感，才能更好地服务客户，并取得成功。分享了自己对“优绩主义”的看法，以及如何在工作中平衡过程和结果。在保险行业，要注重过程管理，把每天的工作做好，结果自然会好。汤圆：分享了自己相信吸引力法则的经历，并以喜欢一个乐队并最终偶遇主唱为例，强调了信念感的重要性。分享了自己年轻时追星的经历，并担任“粉头”的角色，体现了真诚待人的重要性。分享了自己做保险行业的初心，以及如何与客户建立信任关系。在保险行业，要保持真诚和热情，才能更好地服务客户，并取得成功。分享了自己对兼职和全职做保险的看法，以及如何看待这个职业。在保险行业，要用心做好每一件事，才能取得长远的发展。德福：分享了自己从互联网行业转行到保险行业的经历，以及对这两个行业的对比和感悟。在保险行业，要注重客户服务，真诚对待每一位客户，才能赢得客户的信任。分享了自己对“优绩主义”的看法，以及如何在工作中平衡过程和结果。在保险行业，要注重过程管理，把每天的工作做好，结果自然会好。分享了自己对兼职和全职做保险的看法，以及如何看待这个职业。在保险行业，要用心做好每一件事，才能取得长远的发展。

Deep Dive

Key Insights

What are some unusual claims Judy has encountered in her insurance career?

Judy has encountered claims involving children swallowing magnets, which can be very dangerous as they can cause intestinal blockages. She also mentioned cases of children being bitten by insects, leading to severe swelling and hospital visits. Another unusual claim involved a child who dislocated their jaw while eating a bone.

Why is it important to understand the difference between medical and insurance underwriting?

Understanding the difference is crucial because clients often misunderstand why their medical condition, deemed fine by doctors, leads to higher insurance premiums or exclusions. Medical underwriting focuses on the risk of future claims, while clinical medicine assesses current health. This distinction helps explain why insurers might view a condition differently from a doctor.

What is the significance of belief in the insurance sales profession?

Belief is essential in insurance sales as it helps agents confidently convey the value of products to clients. For instance, Judy initially struggled to explain the importance of pension insurance but, after understanding and believing in its benefits, she could effectively communicate its value. This belief fosters trust and helps clients see the product's relevance to their needs.

How does Judy describe her approach to handling small insurance claims?

Judy emphasizes the importance of not dismissing small claims, such as low-budget medical insurance, even if they are less profitable. She believes in serving every client diligently, as neglecting them could compromise her professional integrity and disrupt her workflow. This approach ensures she maintains her ethical standards and client trust.

What challenges do new insurance agents face when transitioning from other industries?

New agents often struggle with the shift from a performance-driven, results-oriented mindset to a service-oriented one. In industries like tech, success is measured by quantifiable outcomes, but in insurance, success comes from building trust and providing personalized service. This transition requires adapting to a more client-focused approach and understanding the long-term nature of the business.

What is the role of 'meritocracy' in the insurance industry?

Meritocracy in insurance differs from other industries as it doesn't solely reward the 'best' performers based on linear metrics. Instead, success in insurance is multifaceted, involving factors like trust, client relationships, and personalized service. This approach allows for diverse paths to success, rather than a single, rigid standard of excellence.

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