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[why are there signs of a comeback of "magic cube business" and "first month x yuan" recently? an insurance agency practitioner in south china said that compared with conventional advertising, low prices or free insurance in the first period are the marketing calibers with the highest conversion rate, which are equivalent to "hooks" or "leads", which will attract people who have demand for insurance products into the "customer pool" in a short period of time, and then guide them to buy the real main products by continuously reaching out to customers. under strict supervision, large-scale institutions have basically adjusted their strategies, but some small and medium-sized insurance intermediaries are prone to taking risks. ]

"i bought an insurance policy for 60 cents, but i actually need to pay more than 300 yuan a year." li ming (pseudonym), who works in guangdong, recently encountered some troubles. a month ago, he received a call saying that an insurance product currently had an exclusive promotion, and only 0.6 yuan/month could get a million yuan in insurance coverage. li ming thought it was a gift for an insurance policy he had purchased before, so he opened a new insurance policy without knowing what was going on. the final price was far higher than expected, and it was difficult to cancel it.

this is not an isolated case. recently, many investors reported to the first financial reporter that the "0 yuan for the first month" insurance that was stopped by regulators has made a comeback in the form of "0.6 yuan for the first month" and free insurance. many investors have been misled and bought insurance products far exceeding their expected amounts.

people in the insurance industry believe that compared with traditional advertising, low prices or free insurance in the first period is one of the marketing methods with the highest conversion rate. it is equivalent to a "hook" or "lead" that can quickly locate the target population and then reach them accurately and frequently. investors may be easily misled by the first month's price and end up paying higher premiums than expected. they may also be introduced into the "customer pool" and then frequently guided to upgrade insurance products.