Re: [心得] 看過保險佣金率表後的感想
※ 引述《dunhillK (<TOMATO>)》之銘言:
: 昨天我從我在當業務員的老同學那邊看了一張佣金表
: 發現...原來總佣金率最高的是實支實付與定期醫療@@?
這是新聞嗎?XD
: (總佣金率我指的是首年與續年佣金率的加總)
續年是續幾年?定期險從0歲買到75歲?
: 真是跌破我的眼鏡,我以為實支應該是保險公司最沒賺頭的東西
: 結果剛好相反。
你覺得保險公司會推最有賺頭的產品還是最沒賺頭的產品?
然後你有看過多少保險公司把實支列在主推?
: "總"佣金率由高到低排名是這樣,怕影響眾多業務生計,不公佈詳細佣金率數字
: 1.實支實付、定期醫療>
: 2.繳費年期20年的儲蓄險>
: 3.定期意外>
: 4.重大疾病、防癌險(終身跟定期都差不多)>
: 5.繳費年期10年以下的儲蓄險 >
: 6.年金險 >
如果你不是業務,公佈無妨阿~
業務公佈會被叫去「喝咖啡」或停權
至於影響生計?好的影響還是壞的影響可就難說了....XD
: 結論:
: 看到佣金表後我恍然大悟
: 難怪很多業務都把繳費年期短的儲蓄險罵到臭頭,因為佣金低到誇張
: 然後我從來沒遇過業務推薦年金險...
: 因為就算推了百萬保費也不夠付油錢....
: 還不如推個1萬塊的定期險抽得更多...
: 第一名的實支與定期醫療真是將沒錢的人的資金最大抽佣化的好物
我們來算一下好了。
假設有一張終身險前六年佣金率30%、5%、2%、2%、2%、1%
還有另一張幾乎一樣的定期險為10%、10%、8%、8%、8%、8%
總佣金率終身險:定期險為42%:52%,這就是你說的資金最大抽佣化?
好,我們來看看賣這兩張保單的業務賺多少錢
終身險年繳23456,定期險年繳1795(前五年)、2560
結果終身險賺了9852元,定期險賺了995元
你真的覺得不到一千元很好賺,快要一萬很難賺?
然後這六年總保費,終身險繳了14萬,定期險繳了11535
是終身險的資金被保險公司綁架才對
如果我查到的佣金率和你查到的不同,沒關係,你可以公佈你看到的,然後算算看
這不是新聞,也不是查不到的資料
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