"A qualified insurance agent will not ignore the actual situation of the customer because of the high commission ratio of any insurance, and all kinds of misleading and inducing customers to sign the policy." Wang said with a smile.

"You don't want to spew blood, at present, this insurance is the one with the highest dividends, I kindly recommend this insurance to my friends, is it still wrong? If you don't understand, don't talk nonsense, maybe you have been deceived by an unconscionable insurance agent, but you can't discredit all insurance agents just because you have been deceived, right? Sister Chen justifiably argued.

She thought that Wang Xiao was just a college student, so she was full of confidence, and she believed that such a layman would definitely not be able to compete with her, a person with more than a year of insurance sales experience, in terms of insurance knowledge.

As for the five years of experience and ten subordinates she just said, it was just a lie that she had used to open her mouth and embolden her.

"You know what the annual household income of 10086 is, right? What is the basic cost of living? Wang Xiao glanced at Sister Chen indifferently and asked softly.

“10０86？” Sister Chen didn't understand who she was referring to for a while.

"That's me, he's talking about my badge." After the beauty of No. 10086 finished speaking, she turned around and said to Wang Xiao, "My surname is Zhang, and my name is Zhang Huiling." ”

"Hello, my name is Wang Xiao, I still have some understanding of insurance knowledge, if you do consider insurance, you can tell me about your family's income and expenses, and I will help you analyze it." Wang Xiao enthusiastically introduced Zhang Huiling.

"This, I have already told Sister Chen, my salary is the basic salary plus commission, the clothing industry is divided into off-season and peak season, on average, about 6,000 yuan per month. My husband is currently working in a real estate agency, he is a real estate agent, and his income is also unstable, he only earned more than 40,000 yuan last year. In terms of expenses, the children's expenses are almost 20,000 yuan a year, the rent is 18,000, and the regular consumption is about 30,000 yuan. Zhang Huiling said.

In their line of work, they often work overtime, and they don't have time to go home to cook at noon, so they have to sell food outside, so the basic living expenses alone are more than the average family expenses.

"There is almost 100,000 yuan of income a year, and the expenses are no more than 70,000 yuan, and there is a surplus of 30,000 yuan, and they pay a little more than 6,000 premiums every year, so there should be no pressure on them, right?" Sister Chen looked at Wang Xiao with disdain, and said in a weird manner.

"Do you and your husband have stable jobs? After all, this is an insurance policy with a payment period of 20 years, and it is necessary to think long-term. Wang Xiao asked Zhang Huiling, he didn't pay attention to Sister Chen, ignored her cynicism, and left her aside.

"This is exactly what I'm a little worried about, like my job, is originally a very frequent turnover of people in the industry, basically two or three years to change the job again, change once it takes two or three months of running-in period, and the income is also unstable, if the market is not good, just like the year before and the year before last, the income is not now seventy. Not to mention my husband, who changed jobs twice in the last year. Zhang Huiling said.

"Therefore, an annual income of 100,000 yuan is not the norm, and your industry should also be an industry that eats youth, are you sure you can still do the same job after ten years?" Wang Xiao asked.

"I have also thought about this problem, my husband and I originally planned to save some money and go back to our county to open a clothing store in two years, after all, the children have to go back to school, and we do not have a city hukou." Zhang Huiling said honestly.

For people like them, who both work in the provincial capital and have no money to buy a house and settle down, after having children, they still want to stay in the city for a long time, and the pressure is not ordinary.

"It's okay to go back, our company is a national general insurance, and it's the same everywhere." Sister Chen hurriedly agreed, for fear that Zhang Huiling would worry too much and dismiss the idea of buying insurance.

"It's not a question of whether the insurance is not covered or not, and for families like this, whose income is not too stable and not too high, the first thing you have to consider is whether they will have financial risks in the next 20 years, and whether it will affect their renewal of premiums. If the insurance is broken in the middle, their losses are very serious, and some of the gains outweigh the losses. Wang smiled and said.

"Don't pretend to understand if you don't understand as a layman, this is a two-way dividend insurance, you can receive 3,000 yuan after the second anniversary, and then receive it every two years, which is equivalent to them only having to pay more than 4,000 per year. This little money shouldn't be difficult for them, right? Sister Chen retorted.

Lu Miaosha didn't understand why Wang Xiao did this, even if he wanted to grab the order, he didn't have to be so high-profile, he would just intervene after that Sister Chen left, and now it would be a bit of a demolition to accuse him in person.

"Brother, our main task today is to buy clothes, so don't get involved in these messy things." Lu Miaosha persuaded.

She was worried that Wang Xiao would marry Sister Chen because of this incident, so it would be a bit more than worth the loss, after all, Wang Xiao is unlikely to sign Zhang Huiling's insurance, and it seems that Wang Xiao is trying to dissuade Zhang Huiling from taking out insurance for her son.

She thinks that this kind of thankless and offensive thing is still not good, after all, Zhang Huiling is not Wang Xiao's friend or relative, and Sister Chen is not his enemy, so it is not good to cut off people's wealth for no reason.

"No, I'll take care of this matter, I can't watch Store Manager Zhang buy insurance that is not suitable for them because of her misleading." Wang Xiao said firmly.

"Hey, it's really strange for you to speak, why did you accuse me of misleading Store Manager Zhang and buying insurance that is not suitable for them? You are slandering, be careful that I sue you. Sister Chen shouted angrily.

"Forget it, forget it, Sister Chen, you dissipate your anger, let's talk about insurance another day. Mr. Wang, for my sake, you also take a step back and apologize to Sister Chen, even if this matter is over, how about it? Zhang Huiling saw that the two of them were getting more and more stiff, and she was afraid that things would get bigger and bigger, so she hurriedly accompanied the smiling face to persuade the two to make peace.

"Want me to apologize? There are no doors, and if she wants to sue me, let her do it. Wang said with a smile.

"Originally, I didn't want to say anything, but if you want my brother to apologize, I have to say two fair words. Sister Chen is indeed deliberately misleading you, my brother is right, this insurance is not suitable for families like yours to buy, my work is related to Jixiang Insurance Company, so I know a little bit. Lu Miaosha saw that Sister Chen was arrogant, and Zhang Huiling wanted to be with the mud because Sister Chen was an acquaintance, so she laughed for Wang and opened her mouth to fight for him.

"Okay, you're amazing, I'm scared, can't I call the police?" Sister Chen said and immediately dialed 110.

Zhang Huiling looked at it and felt a little anxious, if the police really came, how would they do business! If the company knows about it, it will definitely criticize her for not doing a good job in management, not to mention that the cause of the incident is because of her personal affairs, and if she is discovered, there is a risk of being deducted from her salary by the company.

Wang Xiao is a customer in their store, and he is still wearing the shirt and belt in their store, so it is impossible to kick him out now, right? In that case, the company will definitely fire her when they find out.

Therefore, she can only pin her hopes on Sister Chen.

"Sister Chen, you see that we still have to do business here, so forget about it, right?" Zhang Huiling pleaded with Sister Chen again in a good voice.

"No, I've already called the police, and the police will come over in a while, if he doesn't apologize to me and don't let me vent this bad breath in my heart, this matter will not be over. Store Manager Zhang, it's not me who is crazy, I'm for my cousin's sake, so I kindly recommend this insurance to you, you must know that the customers I usually follow up are big customers with policies of more than 10,000 yuan, I rarely sign policies below 10,000 yuan by myself, only for you I am so attentive, and now I am pointed at my nose by a stranger and scolded me, can I not be angry? If my husband had been here, I would have beaten him down. Sister Chen said proudly.

"Brother, I support you and fight with her to the end." Seeing that this Sister Chen was so arrogant, Lu Miaosha was also angry, so she glared at Sister Chen fiercely, and turned to Wang Xiao and cheered up.

When Zhang Huiling saw it, even this girl began to fan the flames, and her heart became even more entangled.

"Mr. Wang, do you think this is good, these two shirts and belts, I will give you a nine-percent discount, this is the discount rate of our VIP members, and we can only apply for VIP members if we accumulate 12,000 consumption within a year. This can help you save about 200 dollars, just ask you to take a step back and don't embarrass me too much. Zhang Huiling pleaded with Wang Xiao in a gloomy manner.

"Don't worry, I'm not going to fight in your shop. Besides, didn't she already call the police? Then wait for the police to come, I will give you a good analysis of why this insurance is not suitable for you in front of the police, and then you will understand whether she has misled you; Then you will understand who really cares about you; Whoever only thinks about earning your commission, doesn't care if the insurance is suitable for you. Wang Xiao said without giving in.