There are still a lot of things in the factory here, and it's not like you can go. I have to arrange for a while before I can come to Baike's garment factory.

Bai Ke didn't wait for him, and led An Ge back to the county seat first.

On the second day after returning to the county seat, Baike came to work in Dongchuang Building.

After sitting in the office for a while, the secretary Xiao Zhao came over and reported on the work of the past few days.

"And the big worship......

"Big Bow?"

"It's two days off a week after May Day. ”

"Hugh, let's Hugh too, you can discuss with Chen Li and see how to arrange personnel. ”

"Good. ”

Xiao Zhao just wanted to leave, and remembered something.

"There is also a woman surnamed Zhang, who said that it was your classmate ......"

"Oh, I see. ”

After Xiao Zhao left, Bai Ke hurriedly called Zhang Wenbin.

"Oh, old classmate, you're busy. ”

"It's okay, I just went to the capital. Don't you have my phone number?"

"I'm embarrassed to call you privately. ”

"It's okay, who is with whom. ”

"Haha, are you busy today?"

"No matter how busy you are, I have to make time for you. ”

"You're welcome, why don't we have a meal together at noon?"

"Okay. ”

Bai Ke estimated that Zhang Wenbin wanted to talk to him about insurance.

Under the introduction of Bai Ke, Zhang Wenbin became a part-time salesman of Pingtai Insurance Company last year, and Bai Ke invested 5 million insurance with her before and after.

Of course, the interest is still very cost-effective.

At present, the interest rate of the bank for one year is only about 9%.

The insurance company pays 15 percent interest, plus life insurance.

For a businessman like Bai Ke, who can make a profit by casually making investments, this is certainly nothing.

However, saving in the bank is also saving, and it should be a favor for the old classmates.

We exchanged pleasantries while eating.

"Oh, old classmate, it's really getting more and more temperamental after not seeing you for many days. ”

"What?" made the white guest look confused.

As a person who has come over, Baike is different from young people today, and prefers casual style.

It should look a little older than his peers.

"There is a temperament! every gesture has the demeanor of a general. ”

Bai Ke immediately understood that Zhang Wenbin was using sales skills on him.

That is, the weakness of human nature that insurance salesmen are accustomed to.

What is the weakness of human nature, that is, it loves to listen to good words.

This set works for Jack Ma and Wang Jianren, but it doesn't work very well for white customers.

"Haha, Wen Bin, you are getting more and more sophisticated. How's your business doing lately?"

"It's okay. By the way, your insurance is about to expire. ”

"yes, can you still vote?"

"No, no. ”

I want to indulge in it, and I want to play tricks.

"Oh, alas, the interest is really good. ”

"Yes, we have other insurance now, and the interest is good. ”

"What insurance?"

"Life insurance. ”

"Oh, come to think of it, you wanted to act as an agent for life insurance in Hong Kong and Kowloon last year, right?"

"Yes, this year our company finally has its own life insurance. ”

"How's that? Good job, right?"

"It's only been a week, and it hasn't opened yet. ”

"Then I'll open it for you first!"

"Haha, the old classmate is really interesting. ”

"Then you're not going to sell me a pitch?"

Zhang Wenbin blushed: "You know everything about my business, how can I sell it?"

"Haha, our old classmates, of course we don't need to sell it. Still, I'll have to look at the terms and conditions. ”

"yes, yes, I still have to sign a contract. ”

Zhang Wenbin said, taking out the terms and conditions and the contract from his bag.

Bai Ke looked at the terms for a while, and then pushed them aside: "Okay, it's about the same as the one-year life insurance." ”

"Yes, I'll tell you more about it, the main thing is survival payment. ”

"Okay, tell me about it. ”

"The life insurance payment period of our Pingtai is 15 years, and a part of the survival fund will be returned every three years. At your age, you can get your principal back 8 times, and the rest is what you earned......"

"But the money I've paid over the years is still in it. ”

"Yes, but the interest is not low. ”

"What is the interest?"

"Compound interest 8.8. ”

"The compound interest is only 8.8, and the current bank interest is almost 9, which is not high. It's a lot worse than that one-year period. ”

Zhang Wenbin's anxious face turned red: "But we not only have survival benefits here, but also accident protection." ”

"What's the accident protection?"

"For example, if you are insured with an insurance amount of 100,000 yuan, in the event of an accident, your family will get 200,000 yuan in compensation, oh no, it is a payment. If you die of illness, your family can receive a payment of $100,000......"

"But for a billionaire like me, my family doesn't need my pension, which is what you call payment to make ends meet?"

"However, our insurance is to protect safety, and to protect the future......"

"Haha, I've started memorizing texts again......"

Zhang Wenbin reacted immediately: "I hate it! You deliberately want to train my ability to develop my karma!"

"yes, maybe there will be more tricky clients than I am, and you'll have to come up with all sorts of wording to respond. ”

"yes, I see. Then I'll give you the maximum amount insured. ”

"What is your policy maximum?"

"200,000. ”

"It's too little, how can an identity like mine be guaranteed 1 million, right?"

"Ahh ”

"Really?"

"Really. It's not about getting away with it, haha. Because we don't have a few people in the country who guarantee 1 million. This requires a physical examination, and the health can be kept so high. ”

"No problem, I'll sign the contract first. ”

"Well, after the medical examination, you will pay the money before the contract can take effect. ”

Watching Bai Ke sign the contract on the side, Zhang Wenbin let out a sigh of relief: "To be honest, I'm also a little confused, you said that people who are particularly rich, is it necessary to buy life insurance?"

"Then do you think it's necessary to buy insurance for luxury cars?"

"Of course I have to buy it. ”

"Well, it's a kind of psychological comfort. Although the rich are able to withstand all kinds of unexpected losses. But if you make up for it, it's not psychologically comfortable, and you feel that you haven't suffered a loss. ”

"Well, the luxury car is a good analogy. Zhang Wenbin hurriedly took out a pen and paper to record.

"I'll give you a few more tricks. ”

"Yes, yes. ”

"There is another advantage of rich people buying life insurance, they don't have to pay inheritance tax. At the moment, although we do not have an inheritance tax, we will have it sooner or later. ”

"Well, our trainer also said this. ”

"There's also the issue of interest, if anyone asks about it. You can tell him that. ”

"How?"

"The interest rate of the bank will be adjusted at any time, for example, if you save for five years, the interest may change after five years. ”

"That's right. ”

"But if I buy insurance, once I sign the contract, the interest is fixed. At present, China is implementing a high-interest policy. In developed countries such as Japan and the United States, the one-year interest is only 12 percent. When our country is developed in the future, it will also be such a trend. Therefore, it is also cost-effective to participate in insurance from an investment point of view. ”

"You're so good! Thank you, white guest!"

Zhang Wenbin, who has always been relatively hard, suddenly spoke a little bit, which made people feel ambiguous, and the two of them couldn't help but feel a little uncomfortable.

"Well, you're welcome, our old classmates......"

"yes. Zhang Wenbin regained his composure.

"Your executives are in the office right now, aren't they?"

"It should be there. But I'm sorry, but the payment period for life insurance is too long, and I can't help you convince them. It's up to you to do it yourself. ”

"Well, I understand, I'm going to go to them. ”

Taking advantage of the surging energy when he left Baike, Zhang Wenbin came directly to several other executives of Dongchuang Building.

Let's first find Chen Li, the general manager of Dongchuang Building.

Last year, Chen Li also bought a one-year insurance of 200,000 yuan from Zhang Wenbin, which is about to expire at this time, and lobbying should be about the same.

Chen Li is not as idle as Bai Ke, and he is very busy every day.

Zhang Wenbin waited in his office for an hour before he found time to read the terms of the insurance policy for a while.

Zhang Wenbin has a great grasp of Chen Li's insurance.

Because when Zhang Wenbin came to pull him for insurance last year, he agreed immediately.

Moreover, Zhang Wenbin knew that Chen Li's annual income was more than 100,000 yuan, and it should not be a problem to take out a few thousand yuan a year to buy insurance.

But Chen Li is actually very serious and careful.

He read the terms for a while, and finally put them down.

"Let me go here first, I'll discuss it with my wife, and I'll call you if it's okay." ”

Based on Zhang Wenbin's experience, Chen Li politely refused.

Because he is already an old customer, Zhang Wenbin is embarrassed to use his business skills to chase and fight, so he can only take a step back: "Okay, call me at any time if there is anything." ”

Leaving Chen Li's office, Zhang Wenbin thought of Jiang Wen again.

Jiang Wen, as a big accountant, seems to be very calculating.

But Jiang Wen is actually an uncalculating person in life.

And he has this strength, his annual income is about the same as Chen Li, and he has no family burden.

Thinking so, Zhang Wenbin walked to Jiang Wen's office again.