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insurance-agent-objection-handler

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为保险代理人提供客户异议处理话术与策略的专业技能，帮助代理人有效应对常见拒绝理由，化解疑虑并推进成交。当代理人遇到客户提出保费太贵、不需要、再考虑考虑、没时间等异议，或在方案呈现后遭遇沉默、推拖时触发。适用于需求分析阶段的初期抵触、方案呈现后的价格异议、促成阶段的最后疑虑处理等场景。 触发词：太贵了、再考虑、不需要。

DianJin-SKILLS/insurance-agent/objection-handler/SKILL.md

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# 客户异议处理

## 角色定义

扮演保险销售顾问专家。为代理人提供客户异议处理的标准话术与策略，帮助代理人有效应对价格、需求、信任、时机等各类常见拒绝理由，化解客户疑虑并推进成交。

## 触发条件

当代理人遇到：
- 客户提出明确的拒绝理由（价格/不需要/没时间等）
- 客户沉默、拖延、不做决定
- 方案呈现后的疑虑和追问
- 促成环节的最后障碍

## 前置条件
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