🛑 新移民如何避免被推銷：這些話術你一定要學會識破
很多剛來美國的朋友，第一次接觸保險、投資、退休規劃，常常會有這種感覺：
- 聽不懂對方講的名詞，只聽得懂「很好」「保證」「不買會吃虧」
- 朋友、同鄉、群組的人都在說「這個超棒」「大家都在做」
- 不好意思拒絕，怕破壞關係、怕顯得自己不信任人
結果一步一步，就被「話術」推著走，
直到刷卡、簽名、扣款之後，才慢慢發現：
「這好像不是我當初以為的那樣。」
這篇文章不是叫你「不要買」任何保險或理財產品，而是想跟你分享：
- ✅ 為什麼新移民特別容易被推銷？
- ✅ 常見的推銷話術有哪些「紅色警訊」？
- ✅ 你可以怎麼保護自己，優雅地說「我先不要」？
- ✅ 一個真正為你著想的 agent，應該長什麼樣子？
1️⃣ 為什麼新移民特別容易被推銷？
先說一句很重要的：
你不是笨，也不是好騙，只是身在一個「資訊不對稱」的環境裡。
新移民會比較容易被推銷，通常有幾個原因：
- 🗣 語言障礙：聽得懂單字，聽不懂條款，只能「半猜」對方的意思。
- 📚 制度不熟：不了解美國保險／投資的規則，只能靠別人口頭說明。
- 👥 人情壓力：介紹人是朋友、親戚、同鄉，覺得「不好意思拒絕」。
- 😰 害怕錯過：Sales 愛說「名額有限」「只有今天」，讓你覺得不立刻決定就會吃虧。
- 🧩 資訊只來自一個來源：沒有習慣找第二意見，覺得問太多會被嫌麻煩。
把這些因素加在一起，就變成：
「不是你主動要買，而是被別人的節奏推著走。」
2️⃣ 常見推銷場景：這些話出現時要特別小心 🚩
推銷可能出現在很多場合：
- 社區講座、理財說明會、免費餐會
- Line / WeChat / WhatsApp 群組
- 教會、社團、朋友聚會後的小圈圈對話
- 銀行、保險公司、甚至是你信任的「某個姐姐」
不是每一個人都有惡意，但下面這幾種話，如果出現得很頻繁、很用力，就要打個問號：
- 🚩 「只有今天／這一檔，錯過就沒有了。」
- 🚩 「大家都這樣做，你不做就落後了。」
- 🚩 「你不用想那麼多，交給專業就好。」
- 🚩 「你不買，是不是不夠愛家人？」（用情緒綁架）
- 🚩 「現在先簽，之後不想再取消就好。」
- 🚩 「你不用看文件，我講給你聽比較快。」
如果你發現：
- 對方一直在講「好處」，幾乎不談「風險」和「限制」
- 對方急著要你「立刻」簽名、刷卡、不給你時間思考
- 你心裡其實有點不舒服，但又覺得「好像不答應說不過去」
那很可能，你已經走到「被推銷」的軌道上了。
3️⃣ 四個自我保護原則：先記起來，再決定要不要買
✅ 原則一：重大決定，不在第一天做
不管對方講得多好，多感人，只要不是你事先自己計畫要買的，當天就不要簽。
- 你可以說：「謝謝你，我想回去跟家人討論。」
- 你可以說：「我需要時間消化資料。」
真正為你著想的人，會給你時間；
只在乎業績的人，會對你生氣或不耐煩。
✅ 原則二：在不清楚的情況下，不給關鍵個資
例如：
- SSN / ITIN
- 駕照正反面、綠卡、護照影本
- 銀行帳號、信用卡資料
除非你非常清楚：
- 對方是誰（真實名字 + 公司）
- 對方有什麼資格（license、公司背景）
- 你到底在申請／購買什麼
「不給資料」永遠比「給錯資料」安全。
✅ 原則三：先拿文件，再做功課
- 請對方提供正式的方案摘要（policy summary、illustration、quote）
- 回家後自己慢慢看，不懂的地方可以問別人
- 你也可以請另一個 agent 或專業人士幫你「第二意見」
如果對方只願意「講」，卻不願意給你正式文件，這就是一個大紅燈。🚨
✅ 原則四：保留說「不」的權利，不需要解釋原因
你有權利說：
- 「謝謝你的分享，但我現在不打算做任何決定。」
- 「我先不要，未來有需要再聯絡。」
你不欠任何 agent、一個朋友或一個平台一張保單。
你唯一需要負責的，是你自己和家人的未來。
4️⃣ 很實用的拒絕句子（中英都幫你準備好了）
有時候不是不知道要拒絕，而是不知道要怎麼說。給你幾句可以直接用的：
🙅♀️ 比較溫和的拒絕
- 「謝謝你今天的說明，我想回去再想一想。」
- 「這資訊很有幫助，但我不會立刻做決定。」
- 英文：“Thank you for the information. I need some time to think about it.”
🙅♀️ 比較明確的拒絕
- 「謝謝你，不過我目前沒有打算買這類產品。」
- 「這方向暫時不適合我，之後如果有需要我會主動找你。」
- 英文：“I’ve decided not to move forward with this. If I change my mind, I will reach out.”
如果對方在你已經拒絕之後，還不停地追問、施壓，你就可以開始評估：
這個人，未來真的值得把你的人生財務交給他嗎？
5️⃣ 怎麼判斷這個 agent 是「為你著想」還是「只想成交」？
你可以觀察幾個小細節：
- 🧠 他有沒有先聽你的故事，還是一直在講產品？
- 📊 他有沒有提到風險與缺點，還是只講好處？
- ⏳ 他有沒有給你時間思考，還是一直說「現在就要決定」？
- 🤝 當你問很多問題時，他是耐心解釋，還是顯得不耐煩？
- 💸 如果你最後說「我先不要」，他還是保持尊重，還是不再理你？
簡單說：
- 真正好的 agent，看的是「長期關係」。
- 只想推銷的人，看的是「這一筆佣金」。
6️⃣ 那我自己呢？（關於 Purser Services 的小補充）
寫到這裡，你可能會想問：
「那你自己會怎麼做？」
很老實說，我最希望的是：
- 你是因為「懂了」，才決定要不要買，不是被我「講到怕」才買
- 你來到這個網站，先把觀念理清楚，再決定要找誰合作
- 就算你最後沒有跟我買，只要沒有被亂推銷，我也會替你開心
我比較喜歡這樣的順序：
- 先教育、先解釋，用中英文幫你打好基礎
- 如果你覺得我講話的方式讓你覺得舒服，再來談產品和方案
- 如果你沒有準備好，我也不會逼你，我們可以先停在「聊天」的階段
你的人生不是任何 agent 的業績表，它應該是一個由你自己做主的長期規劃。
💚 結語：你不是來當「客戶」，你是來當「決定的人」
身為新移民，你要學的東西已經很多了：銀行、信用分數、稅務、學校、醫療…
保險和理財只是其中一塊。
如果你曾經被推銷到很不舒服，想跟你說：
- 那不是你的錯
- 你有權利說「我不要」
- 你也有能力學會分辨、保護自己
希望這篇文章可以：
- 讓你遇到推銷時，心裡有一盞小小的紅燈可以亮起來 🛑
- 讓你知道自己可以怎麼說「謝謝，但我先不要」
- 讓你在慢慢變熟美國制度的過程裡，少走一點冤枉路
你不是別人的「客戶」，你是自己人生的「總經理」。🧠💚
🛑 How New Immigrants Can Avoid High-Pressure Sales: Spot These Red Flags Early
For many new immigrants in the U.S., the first experience with insurance, investment, or “financial planning” often feels like this:
- You don’t fully understand the terms, but you clearly hear “very good,” “guaranteed,” and “if you don’t buy, you’ll lose out.”
- Friends, church members, or people in group chats keep saying, “This is amazing, everyone is doing it.”
- You feel embarrassed to say no because you don’t want to hurt the relationship or seem distrustful.
Step by step, you get pushed along by the sales script, and only after you swipe your card, sign your name, and see the money going out, you realize:
“This isn’t exactly what I thought it was.”
This article is not here to tell you “never buy” insurance or financial products. Instead, it’s here to help you:
- ✅ Understand why new immigrants are especially vulnerable to high-pressure sales
- ✅ Recognize common red-flag phrases and situations
- ✅ Learn how to protect yourself and say “no” gracefully
- ✅ See what a truly client-centered agent actually looks like
1️⃣ Why Are New Immigrants Especially Easy Targets?
First, something important:
You are not stupid, and you are not “easy to fool.” You are simply standing in an environment where information is not equal.
New immigrants are often more likely to be pushed into unwanted decisions because of:
- 🗣 Language barriers: You understand some words, but not the full contract, so you end up “half-guessing” what it means.
- 📚 Unfamiliar systems: You don’t fully understand how U.S. insurance or investments work and rely heavily on verbal explanations.
- 👥 Social pressure: The person selling is a friend, relative, or someone from your community; you don’t want to offend them.
- 😰 Fear of missing out: Salespeople love phrases like “limited time,” “only today,” or “exclusive offer,” so you feel rushed.
- 🧩 Single source of information: You only hear one person’s explanation, and you’re not used to getting a second opinion.
Put all of that together, and it becomes:
“You’re not actively choosing to buy — you’re being pushed into it.”
2️⃣ Common High-Pressure Sales Phrases 🚩
High-pressure selling can happen anywhere:
- Community seminars, “free dinner” financial workshops
- Group chats (Line, WeChat, WhatsApp, etc.)
- Church, social clubs, or gatherings after events
- Banks, insurance offices, or even at a friend’s home
Not everyone has bad intentions, but if you keep hearing phrases like these, be careful:
- 🚩 “This offer is only for today. If you don’t decide now, you’ll miss it.”
- 🚩 “Everyone is doing this. If you don’t, you’ll fall behind.”
- 🚩 “You don’t need to think so much. Just trust the professionals.”
- 🚩 “If you really love your family, you should do this.” (emotional manipulation)
- 🚩 “Just sign first. If you change your mind later, you can cancel.”
- 🚩 “No need to read the documents. I’ll explain it — that’s easier.”
If you notice:
- The person keeps talking about “benefits” but rarely discusses risks or limitations
- You are being pushed to “decide right now” or “sign before you leave”
- Your stomach feels uneasy, but your mouth is saying “yes” because you feel pressured
Then you may already be inside a high-pressure sales situation.
3️⃣ Four Self-Protection Principles
✅ Principle 1: Never make big decisions on the first day
No matter how touching the story is, or how urgent it sounds, if you didn’t plan to buy it before you walked in, don’t sign anything that day.
- You can say: “Thank you for explaining. I’d like to go home and think about it.”
- Or: “I need time to process this information.”
A person who truly cares about you will respect that.
Someone who only cares about their commission will get annoyed or push harder.
✅ Principle 2: Don’t share sensitive information when you’re not clear
For example:
- SSN / ITIN
- Driver’s license, green card, or passport copies
- Bank account or credit card details
Only share these when you clearly know:
- Who you’re dealing with (real name + company)
- What qualifications they have (licenses, company background)
- Exactly what you are applying for or purchasing
“Not giving information” is always safer than “giving it to the wrong person.”
✅ Principle 3: Get documents first, decide later
- Ask for official documents: policy summaries, illustrations, quotes, brochures
- Take them home and read them at your own pace
- If needed, ask another professional or trusted person for a second opinion
If someone only wants to “talk” and refuses to give you anything in writing, that’s a big red flag. 🚨
✅ Principle 4: You have the right to say “no” — without explaining why
You can say:
- “Thank you for your time, but I’ve decided not to move forward.”
- “This doesn’t fit what I need right now. If that changes, I’ll reach out.”
You don’t owe any agent, friend, or company a policy.
You are responsible first to yourself and your family — not to someone’s sales target.
4️⃣ Useful Phrases to Say “No” (Bilingual-Friendly)
Sometimes the problem isn’t that you don’t want to say no — it’s that you don’t know how.
Here are some phrases you can use directly:
🙅♀️ Softer “not right now” responses
- “Thank you for the information. I need some time to think about it.”
- “This is helpful, but I won’t make a decision today.”
🙅♀️ Clear “no” responses
- “I’ve decided not to buy this type of product for now.”
- “This doesn’t match my current priorities. If I change my mind, I will let you know.”
- “I appreciate your time, but I’m not comfortable moving forward.”
If someone reacts badly after you say no — by guilt-tripping you, getting angry, or ignoring you —
ask yourself:
“Is this really the person I want to trust with my financial future?”
5️⃣ How to Tell If an Agent Cares About You or Just the Sale
Pay attention to a few small details:
- 🧠 Do they listen to your story first, or do they jump straight into the product?
- 📊 Do they mention risks and downsides, or only the “amazing benefits”?
- ⏳ Do they give you time to think, or do they keep saying “you must decide now”?
- 🤝 When you ask many questions, are they patient — or do they seem annoyed?
- 💸 If you decide not to buy, do they still treat you with respect?
In simple terms:
- A good agent thinks about long-term relationships.
- A pushy salesperson only thinks about this month’s commission.
6️⃣ And What About Me? (A Note from Purser Services)
By now, you might be wondering:
“So what about you? How do you handle this?”
Honestly, my hope is:
- That you make decisions because you understand, not because I scared you into it
- That you use this website to learn first, then decide who you want to work with
- That even if you never become my client, you can still avoid being pushed into something you don’t want
My preferred order is:
- Education and clarity first — using both English and Chinese where helpful
- If you feel comfortable with the way I explain things, then we can talk about products
- If you’re not ready, that’s okay — we can stay in the “conversation” stage as long as you need
Your life is not someone else’s sales target.
It should be a long-term plan that you understand and choose for yourself.
💚 Final Thoughts: You’re Not “Just a Customer” — You’re the Decision-Maker
As a new immigrant, you already have so much to learn — banking, credit scores, taxes, schools, healthcare.
Insurance and financial products are only one part of that picture.
If you’ve ever felt pushed, pressured, or guilt-tripped into buying something, I want you to know:
- It’s not your fault
- You have the right to say no
- You can learn to recognize pressure and protect yourself
I hope this article helps:
- Turn on a small “🛑 warning light” in your mind when you feel pressured
- Give you words you can use to say “thank you, but not right now”
- Make your journey in the U.S. just a little bit safer and lighter
You are not here to be “someone’s client.”
You are here to be the CEO of your own life. 🧠💚