How to politely turn down insurance/investment proposal from a friend

[boybi]

For the past few years, dami nagaalok ng mga insurance/investments sa amin. Dati, nung hindi pa masyadong marami ang mga products ng mga insurance/investment companies, a simple reply of "meron na ako" would already be enough. But now, ang isasagot nila is "may bago kaming product, mas maganda ito", or "iba itong proposal ko, hindi katulad nung sayo", and lately ganito na ang sinasabi nila: "i just want to sit down and talk with you, you don't have to get/buy something from me."

Syempre pag pumayag kang makipagusap, which would take hours sa dose-dosenang presentations na ipapakita at ie-explain, parang nakakahiya namang wala kang kukunin sa mga proposals nila. Pag sinagot mong "I'll think about it", or "Pag-aaralan kong mabuti", hindi ka naman tatantanan sa pag followup nila either through text or calls or emails.

So how do you politely turn them down?

[cumbersome]

I just tell that i'm currently paying for a number of policies, and simply can't afford a new one. That way, they don't feel like I'm not interested (I bought a couple of policies!), yet they know they won't get a sale.

[B2Bomber]

Just tell them from the very beginning (even before they start showing you their brochures, quotes, etc.) that you're not interested.

[renzo_d10]

Just tell them from the very beginning (even before they start showing you their brochures, quotes, etc.) that you're not interested.

I agree. Sa umpisa pa lang tell them you're not interested and will never be.

[uls]

For the past few years, dami nagaalok ng mga insurance/investments sa amin. Dati, nung hindi pa masyadong marami ang mga products ng mga insurance/investment companies, a simple reply of "meron na ako" would already be enough. But now, ang isasagot nila is "may bago kaming product, mas maganda ito", or "iba itong proposal ko, hindi katulad nung sayo", and lately ganito na ang sinasabi nila: "i just want to sit down and talk with you, you don't have to get/buy something from me."

Syempre pag pumayag kang makipagusap, which would take hours sa dose-dosenang presentations na ipapakita at ie-explain, parang nakakahiya namang wala kang kukunin sa mga proposals nila. Pag sinagot mong "I'll think about it", or "Pag-aaralan kong mabuti", hindi ka naman tatantanan sa pag followup nila either through text or calls or emails.

So how do you politely turn them down?

Siguro mutual fund ang ino-offer sayo

you have to let those agents know that you know more than them

kala kasi ng mga agents walang alam ang mga tao about mutual funds kaya explain to death sila... which takes a lot of time

to discourage them, tell them you already invest in stocks and bonds by yourself

tell them you have been investing for years

and tell them you would rather be in control of your investments rather than let some fund manager make your investment decisions for you

[renzo_d10]

Just tell them from the very beginning (even before they start showing you their brochures, quotes, etc.) that you're not interested.

I agree. Sa umpisa pa lang tell them you're not interested and will never be.

[XTO]

ako simply: i have so much obligations pa eh and also sakto lang rin income for that kaya kahit gustuhin ko wala rin ako panghulog tsaka na lang siguro. kaya wala ako/kaming pre-need and any insurance. yun nga lang mahirap paniwalaan si boss boybi sa ganyang style ng mga kakilala niya. kaya medyo hirap sa line na "not interested period".

[niky]

NOT INTERESTED is NOT INTERESTED.

I always tell them the truth. I have insurance already, and no, I don't have the money to change.

Changing insurance carriers means sacrificing the dividends you will receive when your policy matures... not something you'd like to hear after pouring hundreds of thousands into your life insurance...

[Horsepower]

NOT INTERESTED is NOT INTERESTED.

I always tell them the truth. I have insurance already, and no, I don't have the money to change.

Changing insurance carriers means sacrificing the dividends you will receive when your policy matures... not something you'd like to hear after pouring hundreds of thousands into your life insurance...

Unless the insurance company tanks (which is pretty common lately) hahahahahaaha

[niky]

Unless the insurance company tanks (which is pretty common lately) hahahahahaaha

Shhhh!!! (knocks on wood!)

[pitbullz]

pagka ganun sinasabi ko meron na ako noon pa

[boybi]

As I've said in my post, I've already done what most of you suggested. My problem now is that this agent friend is not selling me anything, he just want to talk to me regarding investment funds, etc. I don't have to get anything from him, I just need to alot some time for him for this discussion.

It's fine with me if we'll sit down and talk something else, just not those investment things, as I don't have plans for those as of the moment.

So how do I say no? I don't want to sound rude nor giving the impression that I don't have time for him or don't want to see him.

[Lucius]

I tell them straight on their face that I think it's a scam and just like any networking stupidity, ung sa taas lang ang kumikita.

Even the healthy juices na inooffer ngayon, I just don't believe in such things. Nakakainis pa nyan, parang ikaw pa masama pag ayaw mong pansinin. Ikaw pa ung mawawalan ng opportunity daw. In my opinion, they should'nt be considered as friends since ang gusto lang nila eh ang pagkakitaan ka nila.

Meron ako dating friend, nagbebenta ng mga shares sa Highlands, puro na lang sabi nya malapit na daw ung commission nya. Until now wala pa din asesno and ang balita ko hindi pa dumadating ung commission nya. Not to generalize naman pero ung mga tao in the SALES industry natural na na manloloko, kahit agents sa car dealers pag kinakausap ako dinederecho ko na WAG MO NA KO BOLABOLAHIN I'M INTERESTED ON THE CAR, DID MY REASERCH JUST SHOW GIVE ME A GOOD DEAL. Layuan ung mga ganyan!

[Lucius]

As I've said in my post, I've already done what most of you suggested. My problem now is that this agent friend is not selling me anything, he just want to talk to me regarding investment funds, etc. I don't have to get anything from him, I just need to alot some time for him for this discussion.

It's fine with me if we'll sit down and talk something else, just not those investment things, as I don't have plans for those as of the moment.

So how do I say no? I don't want to sound rude nor giving the impression that I don't have time for him or don't want to see him.

Nako don't agree to meet up with him in anyway, kung di ka interesado I'm sure tatanga ka lang sa meeting. May ganyan na dati sakin e, sa kakakulit pumayag ako. Ayun di ko tinitignan ung presentation sa laptop nya. Silip silip na lang ako ng mga auto sa labas.

Sabihin mo ayaw mo lang and ayaw mo na sayangin oras nyong dalawa. Mas magandang question.. IKAW BA MERON NYANG BINEBENTA MO?

[mey0r]

Kung ako yan. Sasabihin ko prangkahan. "Sa dami nang nagsara na insurance company ala na ko tiwala sa ganung business, sorry am not interested". Ganun kadali.

Its hard to please everybody, so umpisa pa lang kung kaya mo ng sabihan, do it.

[renzo_d10]

I tell them straight on their face that I think it's a scam and just like any networking stupidity, ung sa taas lang ang kumikita.

Even the healthy juices na inooffer ngayon, I just don't believe in such things. Nakakainis pa nyan, parang ikaw pa masama pag ayaw mong pansinin. Ikaw pa ung mawawalan ng opportunity daw. In my opinion, they should'nt be considered as friends since ang gusto lang nila eh ang pagkakitaan ka nila.

Meron ako dating friend, nagbebenta ng mga shares sa Highlands, puro na lang sabi nya malapit na daw ung commission nya. Until now wala pa din asesno and ang balita ko hindi pa dumadating ung commission nya. Not to generalize naman pero ung mga tao in the SALES industry natural na na manloloko, kahit agents sa car dealers pag kinakausap ako dinederecho ko na WAG MO NA KO BOLABOLAHIN I'M INTERESTED ON THE CAR, DID MY REASERCH JUST SHOW GIVE ME A GOOD DEAL. Layuan ung mga ganyan!

Ayos. pero parang ang rude naman ng dating......

[renzo_d10]

Siguro nga tama na tell them straight at their face na kahit anong bola nila sayo o pakiusap you won't get their offer......ganun na lang siguro

[mark_t]

Then just tell them that you are currently in the market for ricelands
and nothing else.

Eto pinaka effective na na discover ko na sagot.

Isa pa when somebody talks to me about investments
sinasabi ko na me nagbebenta sa akin ng rancho 4 million lang
600 hectares. Bakit ako mag invest dyan?

Which totoo naman na me nag alok sa akin, and napansin ko wala na
nag follow up pag sinasabi ko yan.

[CVT]

Yes, it is a good answer... You've just invested in a new venture....

9909:gotcha: