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“Black frauday” in insurance. And long live Santa Claus

We ended the last week of November with the so-called “Black Friday”. I was hoping that some movement would come to revolt against the fact of continuing to be called Black and not, for example, White Friday, for the Caucasian markets, or Yellow Friday for the Asian market. Of course, we would never forget Blue Friday for countries with royalty.

But do we know what Black Friday means? Well, here is another “invention” by Americans to boost their economy. Now on the last Friday of 1904 and there were more black slaves for sale, they decided to make a discount to get rid of the “merchandise” and thus boost the economy. Since then, it has been spreading all over the world (like Covid now), with evolved markets that take the opportunity to use the fisherman’s method, that is, they give the bait and harvest the school.

In “black fraudian” language, they present half a dozen recent products that are soon destroyed by the first in line, leaving only the leftover monos for the school, which, yes, there are in quantity, and then take advantage of them to dispose of them. It is common in Book Fairs to use another term which is Hour H, but then interested readers should know that they are editions of books with a minimum of more than six months of editing. In Portugal, the only recent thing on Black Friday are advertisements and advertising. The “promoted” articles are not the latest editions, with a substantial part being discontinued, that is, all those we commonly call “monos” that, as a general rule, passing the acquisitive fever to “black fraudunian” purchasers, are hung over with a ” mona” out of the ordinary. In short, they buy advertising and the corresponding theatrical moment, without properly advising themselves on the product they were purchasing, especially if it corresponded to their real desire and if it was duly marked in the Quality/Price binomial, or if it was based on the laconic advertisement that before the product was more expensive 70%… Any comparison with telephone or bank insurance? All. The only difference is that they do not do it in a week in November, but in “promotion” every fifty-two weeks that the Gregorian calendar has and on every day of the year, even on leaps. Bait (fisherman): our insurance is cheaper than yours.

And so, telephone and bank insurance companies there continue to invest in advertising, but having residual portfolios in the automobile sector (6%) and others that advertise, but there are always unwary. The new aspect is in some insurance companies that choose to promote their products directly to customers, surpassing the mediators who introduced them and gave the customer key. When we give someone the key, it is necessary to have confidence and that is lacking in some market niche, especially among some oil producers/deadbeaters, to use a nice term, which unfortunately swarm and pollute our insurance industry market. In this Christmas season, it remains to be said that if you believe in Santa Claus, have the absolute certainty and conviction that he would not leave Rovaniemi, in Lapland, with his reindeer and other belongings, without first seeking advice from an insurance agent to study his needs in terms of risks and therefore underwrite its insurance portfolio.

 

We would always be Official Partners of Santa Claus. Let’s be realistic: contact the mediator/broker, whether you are an insurance company or entrepreneur, and feel the difference between surveying your needs in terms of risk, regardless of the insurers, or feeling crushed by something or someone, on the basis of products that “your” company has for sale. Feel the difference: contact APROSE, which is just a click away. Happy Holidays!

Jornal Economico,
Luiz Filipe.

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