9+ 保険飛び込み References

保険営業の新規開拓5つの方法【飛び込みやテレアポは効率悪い】さとうのキモチ from sato-seiichi.com

What is "Hibikomi"?

If you live in Japan, you may have come across the term "hibikomi" before. It refers to the practice of insurance salespeople approaching potential customers on the street or at their homes, often unannounced. While this type of sales approach may seem convenient, it can also pose some significant risks for both the salesperson and the customer.

The Risks of "Hibikomi"

One of the biggest risks of "hibikomi" is that the salesperson may not be licensed or authorized to sell insurance. Without proper licensing, there is no way to ensure that the salesperson is knowledgeable about the products they are selling or that they are acting in the customer's best interest. Another risk is that the salesperson may use high-pressure tactics to convince the customer to purchase a policy. This can lead to the customer making a hasty decision without fully understanding the terms and conditions of the policy.

Protecting Yourself from "Hibikomi" Sales

To protect yourself from the risks associated with "hibikomi" sales, there are several steps you can take. First and foremost, always ask to see the salesperson's license or authorization to sell insurance. If they cannot provide this, it is best to end the conversation and look for a licensed agent or broker instead. It is also important to take the time to read and understand any policy before making a purchase. Ask questions and seek clarification on anything that is unclear.

Choosing a Reputable Insurance Provider

When purchasing insurance, it is important to choose a reputable provider. Look for companies that have a strong financial track record and a good reputation in the industry. You can also check with the Japanese Insurance Association to see if the company is registered and authorized to sell insurance in Japan.

The Benefits of Working with a Licensed Agent or Broker

While "hibikomi" sales can be convenient, working with a licensed agent or broker offers several benefits. These professionals are knowledgeable about the products they are selling and can provide guidance and advice based on your individual needs and circumstances. They can also help you navigate the complex world of insurance and ensure that you are getting the best possible coverage at a fair price.

Conclusion

In conclusion, while "hibikomi" sales may seem like a convenient way to purchase insurance, they can also be risky. To protect yourself and ensure that you are getting the best possible coverage, it is important to work with a licensed agent or broker and take the time to understand any policy before making a purchase. By doing so, you can have peace of mind knowing that you are fully protected in the event of an unexpected event or emergency.