Is insurance sales easy to do?

I have read many articles about insurance on the Internet recently. I am here.

Please explain the current situation of the insurance industry. After careful reading, you will benefit for life.

1, the insurance salesman conservatively estimated that 80% of them lied to customers, both intentionally and unintentionally. The high elimination rate of insurance company salesmen is extremely irresponsible to customers.

For example, someone later found himself cheated by an insurance salesman and complained to the insurance company. At this point, the salesman has left. At this time, even complaining is "a blind man lighting a candle in vain." Many salesmen stay in insurance companies for only one month, less than 7% in two years and less than 2% in five years.

At present, almost all domestic insurance companies have a unified statement when they make mistakes: "Now the domestic insurance industry is not standardized, and we are still learning" to excuse themselves. We might as well ask: "You are studying, should the client pay the tuition for you?" This robber logic has become an unwritten rule of all insurance companies. This sentence was said ten years ago and remains unchanged today.

2. From the nature of the contract, the insurance contract is a very unfair contract, because the written terms of the contract are unilaterally formulated by the insurance company, and some written terms have multiple interpretations. So once a lawsuit is filed, the customer will suffer. Insurance claims are more troublesome. Insurance companies are not so simple to settle claims, and 80% may go to court. In other words, once you sign an insurance contract with an insurance company, the probability of you going to court with this insurance company is 80%. Unless you give up the claim, the success rate in this 80% is probably 15%, because there are many explanations in the written terms of the insurance contract, and the normal claim is 20%. So, if you buy an insurance policy, the probability of settlement is 35%. "

How about going to an insurance company to sell insurance?

Why is the other person pulling you so enthusiastically? Can't you think more?

Really good for you, this money-making company will chase you all day and ask you to go?

Do you believe what the insurance company said?

As long as you have a resume online, the insurance company will come to you.

Because their daily task and business is to call job seekers for an interview, the company will give them money-salary increase bonus and headcount fee.

When you get there, it's the insurance company. Of course, they also advocate that insurance also belongs to the financial industry and so on.

No matter how you apply, it's called LASS exam, money, training, research, training fees, instigating you to take the insurance agent qualification certificate to sell insurance.

They dare not say how much the basic salary is, but only a bunch of unrealistic problems and lofty goals.

For example, if you are willing to listen to the boss's arrangement and operate for 2 to 3 thousand yuan or even over 10 thousand yuan a month, it is not a problem.

Even if you ask them what their basic salary is, they will list some unrealistic methods to calculate your basic salary.

They will tell you, for example, if you sign a contract with a customer and the contract is 1 to 20,000, then your basic salary is 1 to 2,000.

If you ask them if there is a basic salary in case there is no performance this month,

Their answer is that you don't work hard enough, don't want to succeed, and don't know how to start from the bottom.

I dare not answer directly. In fact, there is no basic salary without performance.

There is only one purpose, to pull you to be the kind of person who sells insurance everywhere all day, and he himself:

1, there is no basic salary (there is also a basic salary of responsibility. How much performance do you have to sell to get this basic salary of responsibility? I give you the commission after the insurance policy is finished, and you also need to pay personal income tax and business tax);

2. There is no labor contract (it is an agency contract, not a labor contract, which is not covered by the labor law and cannot be managed by the labor department);

3. No benefits (no basic salary, no benefits);

4, no social security (not labor relations, no social security, the other party will sell you commercial insurance for you to buy);

5, not a formal employee of an insurance company (a business department, a director or manager can recruit people under the banner of an insurance company. So when many people go to the interview, the employees of the insurance company will ask which manager called you, because the manager who is in charge of calling you here can continue to lie to you.

Every day, we have to pay for transportation, telephone and activities.

Selling insurance will give you a high commission, and if you can't sell it, you won't pay your insurance agent a penny.

If this industry really has such high pay and low requirements,

Why do you have to come uninvited Everyone wants it, but no one wants to do it, or they can't stay if they find it.

Insurance companies and their trustees know how to preach and convince you that this so-called insurance agent qualification certificate is necessary.

As a result, many people were fooled by them to sell insurance. It's easier said than done. If you can't sell it, there's not even a northwest wind.

Unless you are not a person, but a so-called talent,

Can make rich owners, strangers on the street,

Those potential customers who are annoyed by your phone call and greet your family in the most vicious language,

After listening to your words, I'll beat around the bush. Do you think it's possible?

So what else can you do to attract customers besides selling them to friends and family?

By so-called sincerity, so-called diligence? This is all piled up by time.

Without months or even years of accumulation, why should strangers believe you?

In your twenties? Or your worthless diploma? Or are you eager to make money?

There is a saying that "great achievements will lead to great losses", which is very suitable to describe the insurance industry. You are a rookie, and your network is limited. It is difficult to live on commission for a long time. It will take you a year or two to find a job again, which will delay your time.

What does an insurance salesman do?

It depends on personal ability.

There are many people with a monthly salary of tens of thousands, but from the overall proportion, it is still relatively small.

As long as you can make a bill, you won't worry about no income.

Our boss has been insured for 25 years and once paid 8 million premiums a day!

Therefore, we cannot generalize.

What's the business like for people who are engaged in insurance sales? Is it difficult?

If you want to have strong endurance, you can try Ping 'an. The safe platform is still good.

Is it easy to do insurance sales?

It is not difficult for people with different difficulties to meet. Generally speaking, it is difficult. There are too many companies in the same industry. The most difficult thing is to change the customer's concept and let the customer hand over the money to the insurance company. A successful salesman is to constantly explore potential customers and constantly reinforce them. Excluding large orders and extra large orders, 10 20 policies can't achieve you. It's hard to do three or five reinforcements unless you add all the experts who sign the bill. When your reinforcement level exceeds yours, the insurance company will immediately terminate the relationship between your and the offline. She will make another list in the future, which has nothing to do with you anymore. In short, it is not difficult for insurance salesmen to get performance pay in insurance companies. It is not difficult for grassroots salesmen to participate in difficulties and persevere, and it will not be our turn. With their professional knowledge and skills, they signed one insurance policy after another flexibly, and finally created their own success.

Is the insurance business good?

Insurance was bad in the past, now and in the future! Insurance is not a traditional industry, we buy intangible things! Learn to be a man before you do anything! I can only tell you that insurance is an industry that can train people to continue many things! But not everyone is suitable for it. But once you choose and decide to develop your own career, you must stick to it. The road of insurance is not so easy.

But in other words, if even the aunt who sells vegetables on the street feels safe! So do you think it is necessary to develop this industry? If everyone has a good sense of insurance and thinks that insurance is a necessity, does anyone need to be an insurance salesman? "

Think carefully ... the way you want to go. ...

In fact, I really don't like some people saying that insurance is a lie when they come up! What? What? What did the insurance cheat them? If it is a lie, why can you "cheat" in China for more than ten years and "cheat" abroad for decades? Many people listen to the wind and say it's raining ... their thoughts have been stuck in grandpa's generation ... please think objectively with your own mind. ...

How to be an excellent insurance salesman

1, "think", that is, insurance salesmen should have certain planning ability.

Insurance salesmen carry out insurance signing work in regional markets. Insurance companies set sales tasks for salespeople, and all sales work, including market research, market planning, customer development, customer management, complaint handling and other basic work, must be completed by salespeople themselves. To do all this well and ensure the sustained and healthy development of customers in charge, first of all, salespeople must have an overall market plan for their work, including phased sales objectives, how to lay out the sales network, what kind of customers to choose and what methods to adopt. Secondly, in the process of developing customers, salespeople often encounter many problems. In order to deal with them well, salespeople must use some strategies, and these strategies need careful planning by salespeople. Thirdly, sales staff should also act as consultants and helpers for customers, find opportunities and problems in the process of customer development, and provide guidance for customers. Sales staff is the chief planner, and sales performance can grow faster and more steadily. In order to win the trust and recognition of customers and ensure the health and stability of the sales network.

2. "Listening" means that insurance sales personnel should have the ability to listen.

In the process of developing customers, many salespeople come to the door and talk about how good insurance is, how excellent their company is, how rich benefits insurance can bring, and whether customers are willing to listen. It may be noticed that most salesmen who sell insurance in this way are in vain. In fact, whether it is developing customers or handling customer complaints, listening is more important than speaking. Why? First, listening can let you know each other's personality, hobbies and interests; Second, listening can let you know what the other person is thinking and what the other person's real intention is; Third, listening can make the other person feel that you respect him and attach great importance to his ideas, so that he can let go of his burdens and concerns; Fourth, when the other party has many complaints about insurance, listening can let the other party vent and eliminate the other party's anger; Fifth, listening can give you enough time to think about how to respond to each other strategically. How do insurance salesmen listen? First, eliminate interference, concentrate, and listen to customers' statements with an open attitude and positive input; The second is to listen to all the contents clearly, sort out the key points, and listen to the emotional color in the other party's words; Thirdly, retell the information you hear, record the key words quickly, and improve the memory effect of listening; The fourth is to respond with appropriate body language, ask appropriate questions, keep silent in time, and let the dialogue continue.

3, "writing", that is, sales staff should have the ability to write general documents.

Many sales executives may have this experience: salespeople often call you to report and ask for support. If you ask him to write a written report, the salesperson either can't send it back on time, or the report written back is unclear and unclear. Why is this happening? Because many salespeople can't write reports at all or can't write them well. Therefore, salespeople are required and encouraged to write more articles on sales experience in order to improve their writing ability.

4. "Say", that is, salespeople should have certain persuasion ability.

Salespeople are representatives of insurance companies, and the basic information and sales policies of the company are passed on to customers through salespeople. When salespeople communicate company policies with customers, some customers quickly understand and understand the company's intentions, some customers don't understand or understand but don't understand the company's intentions, and some customers are disgusted with the company or even cut off their cooperative relationship with the company. Why did these things happen? The reason is that different salespeople have different persuasion abilities. How do salespeople improve their persuasion ability? First, the salesman should make full preparations before formally persuading the customer: first, he should know the customer's needs from the people related to the customer or himself by asking questions, that is, what he is thinking, what he wants and what he is worried about, so as to prescribe the right medicine; Secondly, according to the customer's needs, draw up a persuasion plan, write down how to persuade the customer, and touch him from which key points, and keep it in mind; Then from the customer's point of view, help him analyze his own situation, let him understand that the company's policies can help him improve his own situation, explain to him the specific operation methods of the company's policies, and describe the benefits that can be brought to him after implementing the company's policies.

5, "doing", that is, sales staff should have strong execution ability.

Many sales executives may have this experience: at the beginning of the month, subordinate salesmen clap their chests to assure you what sales targets will be achieved this month, and there are also a series of strategies to achieve sales targets ... >>

Is it easy for Ping An insurance salesman to do now? 10 point

It depends on your ability. People with strong abilities must be good at this.

Business success depends on one of the following two conditions:

1, eloquent, very familiar with the insurance industry, very patient, not afraid of suffering, not afraid of suffering, no matter what the consequences, as long as you make up your mind to do it, you may succeed.

I have a good interpersonal relationship at home. In the early stage, you can find relatives and friends to buy the insurance that I represent. After that, I have to rely on my relatives or friends to continue my business. As a result of this situation, my status is constantly improving when business is good, and I will come down immediately when there is no business.

If so, be sure to find out the treatment:

Generally speaking, the salesman of an insurance company has no guaranteed salary and does not need to pay a deposit. Those who fail to meet the specified quantity will be eliminated, and the basic salary can only be guaranteed if the quantity is reached.

1. Pay 500 yuan to work, with guaranteed salary, etc. This job is not very reliable, and it is very likely that you will encounter fake recruitment. I suggest you consider it carefully.

2. Insurance company fees: investigation fee 100 yuan, including 60 yuan (stipulated by the state) for the agent's examination fee and 40 yuan (set by the insurance company itself) for the information and training fee. Then make your own rules and collect the so-called deposit. If you leave, you can return it to yourself with a deposit slip.

Insurance salesmen work very hard and live on business commission. If you tell yourself that you have a basic salary, you should ask yourself whether it is a responsible salary. If it is the basic salary of responsibility, I have no performance or no money this month.

Is the house insured or sold well?

Hehe, are you still doing each other now? If you are still doing it, have some customers at hand and find a way to sell insurance, I suggest you still do insurance and stick to it for one or two years. Insurance will be easy when there are 100 customers. There is pressure in any industry, and everything is the same. You still have to rely on your own persistence and hard work to get the reward. If you think you really don't want to do insurance, it doesn't matter if you change your industry and the environment.

References:

Guangzhou

Can the insurance industry still make money easily? Is the product easy to sell? 5 points

Is the market finished for you? Strangers visit. Who is it? Are you suffering from no reason to see the person in charge of the enterprise?

Does your customer value revenue or safety? Are your customers distributed in dots or blocks?

Is your customer service just a small gift or a frequent visitor? After the policy was closed, did you help the customer or did the customer help you? Do your customers have your phone number? Do you want your customers to be inseparable from you from today?

First of all, the facts that must be understood.

80% people will think that something may have happened to them.

70% of customers will ask if you can reimburse them for the medical expenses of accidental injuries.

A considerable proportion of people think that insurance claims are troublesome and give up buying insurance.

Many people have a little knowledge of insurance, but they don't want to hear your complicated introduction.

Many people think insurance is expensive.

Second, the benefits of accident insurance

1, easy to sell

Insurance liability is very simple and does not require superb skills.

Low insurance premium and high security.

Claims service is easy to appear, and claims are convenient and fast.

Easy for group ordering.

2, the basis of insurance sales

Enclosure movement in the new insurance era

You can contact the person in charge of the enterprise directly.

It is convenient to establish the insurance concept.

Have more opportunities to talk about insurance.

3. For the team.

Reduce the sales difficulty of new salesmen

Increase the number of visits by sales staff

Improve the sales staff's business skills

Stabilize the marketing team

For customers,

It is absolutely cost-effective to buy accident insurance.

Three, accident insurance fast trading rules

1, select potential customers.

Who is most likely to pay attention to accident insurance:

Frequent business travelers, high-risk professionals and people who own private cars.

Business owners, family breadwinners, their wives or family members

The accident insurance is like this.

Speak freely in life communication.

Strange visit to the person in charge of the enterprise

Old customers also want some?

The opening remarks can be like this ...

Are you still concerned about the loss of Malaysia Airlines? I believe that the Malaysia Airlines incident not only made everyone feel sad, but also made everyone have a deeper understanding of accident insurance. So what accident insurance do you want to know? I can give you a brief introduction. ...

3. Instill insurance awareness

Total disability is twice the chance of death.

Half-disability is five times the probability of total disability.

The medical cost of injury is 10 times of the probability of semi-disability.

Of every 100 accidents in life, only 1 person died, 2 people were totally disabled, 10 people were disabled, and 99.5 people incurred medical expenses.

PS: Describe the significance and function of life insurance, and the content and scope of product protection for different accident insurance.

4. Strong promotion

Smoking one less box of cigarettes and drinking one less bottle of wine every month can get such a high guarantee; Spend a little money and save a lot of money to do big things. If there is no safe accident, the insurance company will give you timely help and try its best to reduce your losses.

When unexpected risks come, where you need money, you don't have to spend money, but the insurance company will pay for you.

What's your ID number? Is it for you or the whole family?

200 yuan, or 100 yuan?

Sales killer:

For team customers: product description and claim settlement seminar

For individual customers: service commitment and try to ask for several recommendation forms.

You will get many opportunities to sell long-term insurance:

When it comes to accident insurance

When paying accident insurance

When the policy is delivered,

When the insurable interest is informed

When an insured accident occurs,

When renewing the contract

Other specific opportunities

Starting today, customers can do the following for you:

Take you into his circle

Buy life insurance

Recommend others to buy life insurance.

Become an attachment

Recommend others to add.

renew a contract

Do other things