(This is the second shift of the day, and since there is no time to surf the Internet in the afternoon, the third shift will be the same as the usual second shift, which will be placed around 10 o'clock in the evening.) ）

……………………………………………………………………

Whether it was Wang Xiao or Sister Chen, both sides refused to give in, and Zhang Huiling had no choice but to wait for the police to come over to solve the matter.

Behind the mall is the police station, and in less than two minutes, a middle-aged police uncle with a Chinese face rushed over with a young policewoman.

"Who called the police?" After the two entered the store, the young policewoman stood in the middle heroically, looked around at the six people in the store, and asked loudly.

"Me." Sister Chen hurriedly ran over and responded.

"What's going on?" The policewoman asked.

The policeman with the national character face paced easily in the store without saying a word, as if he was not here to deal with the police, but to go shopping, quite calmly.

He has been a police officer for many years, and he can see at a glance that this is just a trivial matter, and the people in the store are so calm, at most a few words of persuasion will be fine, so he didn't put this matter at ease.

Sister Chen walked up to the policewoman, pretended to be very aggrieved, pointed at Wang Xiao and said to her: "It's him, I was talking to the store manager about insurance, but he suddenly spewed blood and scolded me for being a liar." I didn't know him, but he scolded me for being a liar, I asked him to apologize, and he insisted on refusing, and decided that I was a liar, do you say that I was wronged or not? ”

"Hey, don't exaggerate the facts, okay? My brother just reminded the store manager not to be misled by your rhetoric, this insurance is not suitable for store manager Zhang's son. Although you are a liar, where did my brother directly accuse you of being a liar as soon as he opened his mouth? On the contrary, you are so arrogant that you want to sue my brother again, and you want your husband to come and beat my brother to death, but now the wicked person sues first. Lu Miaosha preemptively countered for Wang Xiao.

Anyway, it's all empty words, and it's not just that Sister Chen is the only one who will exaggerate the facts, she Lu Miaosha is not to be outdone.

The policeman with a national character face who had never spoken, as soon as he heard the word insurance, he immediately became interested, and immediately walked between Sister Chen and Wang Xiao, glanced at the two, and then asked with interest: "What kind of insurance are you arguing about?" ”

Sister Chen didn't expect this policeman with a Chinese character face to be interested in insurance, so she hurriedly took the color page she had just shown Zhang Huiling with a smile on her face, and said flatteringly: "Look, it is this insurance with both dividends, and the yield is very good." ”

"It just so happens that two days ago, someone also sold this insurance to my two-month-old daughter, and I haven't figured out that this large amount of data is a miscellaneous matter, so you can all talk about it and see if my daughter can buy it." The policeman said slowly.

When Sister Chen heard that there was a play, she was secretly refreshed, if she could convince this policeman with a national face, it would be great.

"The premium of 6,000 yuan includes both insurance with an insurance amount of 10,000 yuan, or critical illness insurance with an insurance amount of 200,000 yuan, and illness insurance with an insurance premium waiver. It is equivalent to saying that this is a set of combined insurance, with an annual payment of 6,000 for 20 consecutive years, with a total premium of 120,000. However, after two years of premium payment, you can receive $3,000 every two years until you reach the age of 80. If your daughter starts paying premiums now, she will receive a total of $120,000 by the time she is 80 years old, and she will refund your $120,000 premiums to you when she is 80 years old. In the unlikely event of a critical illness, there is still a critical illness sum insured of 200,000 yuan to help you relieve your worries about medical expenses. If you get a critical illness during the payment period, you don't have to pay the subsequent premiums, and you can still receive 3,000 yuan every two years. Pretty cost-effective, right? Sister Chen patiently introduced the data on the propaganda color page step by step.

"Sounds great." The policeman nodded and said.

"This is not over, don't forget that this is a dividend insurance, you look at this set of data, if you extrapolate according to the medium dividend interest rate, when your daughter is eighty years old, the dividend is basically about 300,000. If it is calculated according to the high interest rate, it will be even more, more than 400,000 yuan. If you think about it, after only paying 120,000 yuan, but with so many benefits, isn't it a very cost-effective insurance? Sister Chen said excitedly.

"Sounds great." The country-faced policeman echoed.

"Store Manager Zhang, is she also like the insurance she explained to you just now?" Wang Xiao looked at Zhang Huiling calmly and asked seriously.

Zhang Huiling nodded and said, "It's similar to what she just said." ”

At this time, Lu Miaosha spoke.

"If you just believe her, you will regret it later. Brother, can you help them explain this insurance correctly. Lu Miaosha said excitedly, looking at Wang Xiao triumphantly, looking like she was winning.

"Tell me about it." The policeman with the national character face glanced at Wang Xiao and said softly.

"She also said just now, she designed a combination of insurance, then let's explain one by one, let's talk about all two insurance, if it is your daughter to buy this insurance, the 6,000 premiums, more than 5,400 premiums are due to the insurance with an insurance amount of 10,000. After the second year of this insurance, you can receive 3,000 yuan every two years. However, the figures of 300,000 and 400,000 that she showed you later were speculated on according to the hypothetical dividend interest rate when your daughter did not receive the 3,000 yuan once before she was 80 years old, and all of them were placed in the insurance company. Since it is a hypothesis, that is, it may not be able to reach this number, so no one knows how much it will be at that time, and it depends on the operating conditions of the insurance company. ”

After hearing this, the policeman couldn't help frowning, and looked up at Sister Chen, who was a little embarrassed.

Zhang Huiling's eyebrows also moved slightly, what Wang Xiao said just now, Sister Chen never mentioned it to her, she always thought that after receiving the three thousand every two years, she would be able to get hundreds of thousands of dividends later!

Wang Xiao relieved his breath, looked at the policeman with a national character face, and then said: "You may think that it is quite cost-effective to receive 3,000 every two years and repay the principal until the age of eighty." However, if you do the math carefully, if you receive 3,000 every two years, it is equivalent to saying that if you give them more than 10,000 in two years, they will give you 3,000. The payment period of the first 20 years is equivalent to taking out 30,000 yuan directly from your 110,000 yuan of the total premium of the two insurances, and leaving 80,000 yuan in the insurance company. After that, it is equivalent to saying that your 80,000 yuan has been in the insurance company until your daughter is 80 years old, and the insurance company will give you an average interest of 1,000 yuan a year, and an average of 10,000 yuan a year is 187 yuan and 5 cents of interest. With that said, you should get the idea, right? ”

The Guozi-faced policeman and Zhang Huiling both had an expression of sudden realization, although the large amount of data that Wang Xiao said was a bit twisty, but they generally understood it.

This is actually equivalent to keeping the money in the insurance company, and it is a dead period, and then the insurance company pays you about 1.87% interest per you.

At this time, Lu Miaosha also helped Wang Xiao and said, "It's not as profitable as you just thought, right?" In fact, the significance of insurance is not how much money you can make from it, but its risk prevention effect. If your current economic conditions are relatively good, taking out 120,000 yuan to insure is nothing to you, you can consider buying such insurance, because this can prevent you from having a financial crisis in the middle and later stages, and can give you a minimum living security. If you don't have a lot of money right now, then this insurance is not for you. ”

Sister Chen didn't expect that Wang Xiao and Lu Miaosha would really understand this insurance, originally she thought that these two people were just bluffing, but now it seems that they really understand.

She was a little difficult to ride a tiger on, and her face was ugly.

"Don't listen to their nonsense, don't forget that there is still 200,000 critical illness insurance." Sister Chen hurriedly excused herself.

"As I just said, the total premium of 110,000 is only the premium of both insurances, and the additional critical illnesses are not counted. The annual premium of this supplementary major illness insurance is more than 200 yuan, and the insured amount is very high, but it is only valid during the payment period, that is to say, it is only insured for 20 years. There is also the additional waiver of illness insurance, which has to pay more than 300 premiums per year. ”

When Zhang Huiling heard this, her brows tightened again, Sister Chen did not tell her clearly that this critical illness insurance with an insurance amount of 200,000 yuan is only for 20 years, and she thought that she would not have to worry about seeing a doctor for the rest of her life after buying this kind of insurance!

Wang Xiao paused slightly, looked at Zhang Huiling, and suggested to her: "In the case of your family, a more reasonable insurance plan should be to buy a critical illness insurance for you and your husband first, and the two of you pay three or four thousand yuan a year is about the same, although the insurance amount is not very high, but choose a consumer-based lifelong critical illness insurance, and the insurance period is relatively long." As for your son, buy him a comprehensive children's insurance, which will cost him three or four hundred yuan a year. When your son grows up, if the financial situation improves, you can consider taking out other types of insurance. ”

"Although I didn't understand it very clearly, I could hear it, and the young man's advice was more reliable and practical. It costs more than 4,000 yuan a year, although there is no dividend, but adults and children have safety guarantees. The policeman with the national character face pondered for a moment, then raised his head and said.

"Which insurance company are you from? Isn't it intentional to come over and smash the field? Sister Chen yelled at Wang Xiao angrily, seeing that the insurance policy was about to turn yellow and she was going to be embarrassed in front of everyone, she couldn't wait to bite Wang Xiao into minced meat.

"I am also from Jixiang Insurance Company, we are not only peers, but also agents for the same company." Wang Xiao said calmly.

"Which department? What is your name? Sister Chen asked angrily.

"Hey, don't get me wrong, you're just an unqualified insurance agent, not a police officer." Wang Xiao retorted.

"Okay, don't quarrel with the two of you, don't delay other people's business." The policeman with the national character face was not angry and arrogant, and persuaded the two of them with a serious expression.

Sister Chen felt that she was at a loss, and she was embarrassed to entangle any longer, and before leaving, she didn't forget to glare at Wang Xiao, and threatened: "Don't think I can't find you, let's wait and see, one day I will let you kneel in front of me and beg me for mercy." ”

"Humph!" Wang Xiao sneered disdainfully, and was not afraid of her.

For the scum of insurance salesmen like her, Wang Xiao will not show mercy at all.