How to avoid traps when buying insurance from friends and family?

Estimated reading time 3 minutes

10Life Team

14 Apr 2022
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10Life Team

14 Apr 2022

Estimated reading time 3 minutes

身邊總有親朋戚友賣保險,有時抵不過軟磨硬泡,忍不住「課金」幫襯親戚,但過份的信任,隨時令自己中伏,並陷入不知是否投訴親戚賣保險時失職的兩難局面。
 

經典案例:叔叔欲助侄女保險事業

保監局《監管通訊》明言,不時接獲這類投訴,以一名剛投入市場的保險代理為例,面對要完成銷售目標的壓力,便向她叔叔埋身銷售投連險。這位叔叔從事建築行業,收入並不穩定,就算不肯定能否負擔得起每月最低保費,但因為相信自己侄女,願意施以援手,幫助侄女剛起步的保險事業。
 
結果如何,可想而知。最終叔叔建築工作收入中斷,無法繼續支付保費,此時此刻才發現如果在保單首十年內退保,會因提早退保而遭受罰款。他向保監局投訴保險公司在保單加入了這項條款,但不願意因為侄女在推銷時沒有提醒他留意該條款,而向她提出投訴。
 
諷刺的是,侄女在短短9個月後便離開保險業,並從事另一行業,相信佣金已經「袋袋平安」。
 
最終結局如何不得而知,但假如時光可以倒流,到底叔叔應否幫侄女買投連險?抑或念在親戚一場而「硬食」?
 

幫襯親友買保險緊記五招

其實不用煩惱,如果不想自己陷入兩難局面,保監局亦給出五大貼士
 
  1. 暫時忘記與保險中介人有親屬關係,並將其當作一般的專業人員來看待
  2. 會面時,請在腦海中把與親戚閒談的部分和談論保險的部分分開
  3. 專注自身的需要,而不是作為親屬的保險中介人的需要
  4. 多發問,不要有所保留。不管是否親屬,回答提問是保險中介人的工作。如果保險中介人未有以謹慎、技巧和努力行事以履行其職責,則可能違反保監局行為守則或指引。保監局不會僅僅因為中介人是保單持有人的家庭成員而決定不採取紀律處分。
  5. 最後,作出「靈魂的拷問」--:反問自己,如果推銷保單的人並不親屬,自己仍會購買嗎?如果答案是「不會」,便不要作出投保。

「預防勝於治療」,寧願事前硬著頭皮與親戚攤開來說,尷尬一場,總勝過事後四處補救,甚至鬧翻而不相往來。
 
註﹕
  1. 本文由10Life從不同途徑搜集市場資料製作而成,僅供一般參考之用,並沒有考慮任何個人需要及合適性,亦不應被視為銷售建議。投保前應與持牌保險顧問商討適合自己的保險方案,並以保險公司提供的資料為準。
  2. 本文最後更新日期:2022年4月13日

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Jack, Ng Wai Lap

黃維立

AXA Unit Manager

4.7
4006
612

Nik, Leung Tsz Kei

梁芷萁

10Life Financial Manager, Insurance Specialist

4.8
1173
274

Arthur, Law Wing Kai

羅永楷

10Life Financial Manager of Business Development

5
245
80

Winnie, Ng Wai King

吳惠琼

FTLife Agency Manager

4.8
1853
309

Even, Shum Miu Chu

岑妙珠

恆泰 高級理財顧問

4.6
1349
250

Philip, Lee Hon Lun

李漢麟

YF Life Branch Manager

4.4
1646
263

Tony, Yeung Chun Fung

楊俊鋒

FWD Life Wealth Planner

4.7
1770
309

Mabel, Siu Sin Wan

蕭善尹

FTLife Wealth Management Director

5
1063
315

Edward, Lam Wing Chuen

林永泉

Convoy Senior Wealth Management Advisor

4.6
1557
263

Noble, Suen Chit Yuen

孫哲遠

AIA Associate Director, Wealth Management and Protection

4.4
1116
249
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Jack, Ng Wai Lap

黃維立

AXA Unit Manager

4.7
4006
612

Nik, Leung Tsz Kei

梁芷萁

10Life Financial Manager, Insurance Specialist

4.8
1173
274

Arthur, Law Wing Kai

羅永楷

10Life Financial Manager of Business Development

5
245
80

Winnie, Ng Wai King

吳惠琼

FTLife Agency Manager

4.8
1853
309

Even, Shum Miu Chu

岑妙珠

恆泰 高級理財顧問

4.6
1349
250

Philip, Lee Hon Lun

李漢麟

YF Life Branch Manager

4.4
1646
263

Tony, Yeung Chun Fung

楊俊鋒

FWD Life Wealth Planner

4.7
1770
309

Mabel, Siu Sin Wan

蕭善尹

FTLife Wealth Management Director

5
1063
315

Edward, Lam Wing Chuen

林永泉

Convoy Senior Wealth Management Advisor

4.6
1557
263

Noble, Suen Chit Yuen

孫哲遠

AIA Associate Director, Wealth Management and Protection

4.4
1116
249

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