保险电话销售为何退潮

Core Insights - The insurance telemarketing industry is experiencing a significant decline, with 9 life insurance companies shutting down 19 telemarketing centers this year, reflecting a broader trend of regulatory pressure and consumer distrust [1][2] Group 1: Industry Challenges - The telemarketing channel faces dual pressures from consumer complaints regarding misleading sales practices and regulatory scrutiny, leading to a loss of consumer trust [1][2] - Complaints against telemarketing practices have surged, with one company receiving over 20,000 complaints last year, 86% of which were related to its telemarketing channel [1] - The low entry barriers and high turnover rates among telemarketing staff have resulted in poor service quality, necessitating a shift towards professionalization and stricter regulatory compliance [2] Group 2: Regulatory Changes - Recent regulations require the establishment of a tiered qualification system for insurance sales personnel, focusing on professional knowledge, sales ability, and ethical standards [2] - The closure of telemarketing centers is part of a broader regulatory framework aimed at improving sales practices and ensuring compliance with new standards [2] Group 3: Future Directions - The decline of telemarketing does not eliminate the underlying issues of sales misrepresentation; rather, it marks a transition towards more precise and compliant service models in the insurance industry [2][3] - The future focus for insurance companies will shift from merely selling policies to providing higher quality service and protection for policyholders [3]