You will go to the insurance company to work?

I have the right to speak, last year I worked in an insurance company for a year, when it was a friend within the push to go, sign a contract, the base salary of 2300, plus commission, double weekends and statutory holidays, eight hours a day, plus payment of five insurance and gold, in general, with the treatment of civil servants is almost the same, and the company from time to time to organize a variety of activities, a variety of benefits. Our team a girl, in October after-tax salary of 26,000, in our department are considered very impressive, because the sales salary is not stable every month, but her monthly minimum of 5,000 or more she is an old employee, did more than three years. We belong to the telephone sales, do not have to go out to run the business, the company provides a list of telephone, only in the company to play. Insurance in fact is not necessarily cheating, because there are times when a payout is life-saving money, just we sell insurance to customers about the content of the insurance, will only talk about the good, the bad certainly do not mention it, it so happens that the customer does not ask, get the contract is not to see, so the real problem when the payout, because some of the terms do not meet, so can not be paid, the customer feels that the insurance is a pitiful, to give a simple example of an accident insurance because of accidents A simple example, accident insurance, due to accidental loss of eight teeth, belonging to the 10th degree of disability, and we give the customer only said that the teeth fall out, and then the customer finally did not read the terms and conditions of the six teeth fall out to apply for compensation, according to the provisions of the contract, will not be compensated. So, buy insurance first of all matters have to ask clearly, the contract in the hands of the content of the terms to read and understand, if all understand, there will be no insurance is the pit of this argument. Finally, as for the relatives and friends to sell. Our company does have people to buy for themselves, to buy for parents, but also recommended to friends to buy, and I personally belong to the conservative, my friends only know me in the insurance company, but I never give relatives and friends to promote insurance, unless they take the initiative to ask about me, including the circle of friends inside the insurance sales, but also built the label, only to the customer to see (some customers want to consider for a period of time, it is by the way to add a WeChat), relatives and friends can not see! I posted. At the end of the year because I do not like the kind of environment of the insurance company, and I also belong to the company to play the kind of soy sauce (salary is not high), so I resigned, so you can not because of hearsay to determine that something is wrong, only their own personal have had in-depth experience before having the right to speak!

Going to work for an insurance company is not for the average person.

I've been working as an insurance agent for over 12 years and will continue to do so until I'm too old to do so.

Let's talk about my insurance experience: I had my oldest child in 2007, and I had to send him back to my hometown because my mother-in-law couldn't come to take care of him. I had been working as a food salesman, and I traveled a lot. When my child was two and a half years old, I took him back to kindergarten. In order to take care of my child, I chose this challenging insurance sales job because I couldn't travel for work anymore. At first, no one supported me, and my husband directly said that he would not allow me to find his relatives and friends, for fear that I would embarrass him. I then ran strangers. Because of their own good character, my relatives and friends and my husband's relatives and friends know that I engage in insurance, have the initiative to find me to understand the purchase of strangers, I also did a few, so began my insurance sales road.

Engaged in insurance agents more than 12 years, sweet and sour, bitter, spicy and salty all kinds of tastes have, in the middle of the I have thought of giving up, but think of the friends who have been trusting to support me, if I go, who will come to them later service it? In this way, I have been in Ping An Insurance for 9 years, from an ordinary salesman to the supervisor, from trainee field instructor has been promoted to four-star instructor, has done the Department of training function leader, performance function leader, etc., lasted for more than 3 years of diamond members, etc. In fact, I am very grateful to Ping An Insurance Company. In fact, I'm very grateful to Ping An Insurance Company for training me in these nine years, I have learned a lot of professional knowledge, improved their teaching and sales ability, and learned a lot of knowledge outside of insurance.

Why did you leave Ping An? Because I think the mechanism of Ping An (the main insurance) is not suitable for insurance agents, the supervisor of the pressure is too much, the individual to take the lead to complete the personal performance, the end of each month to specify the next month's single, not completed to force us to pay out of pocket to open the cocktail party (even if there is no effect); team of newcomers do not open the single to be opened every morning and evening to review the meeting, the night to stay to 12 o'clock is a common occurrence, and finally not completed to the supervisor to give them Hanging single to complete the target; new products do not bill to force themselves to buy self-insurance pieces; later the Department Manager is an old woman of more than 50, relying on the help of their sister, do not know how to use people, good and bad, good supervisors are annoyed by her tossing, and gradually gone a lot. In such an environment, let a person feel depressing difficult, I left the job.

I then joined an insurance intermediary company and became an insurance broker, not belonging to any insurance company, without the previous so many assessment indicators and the company's persecution. Because the agent has nearly 20 companies, need to learn more things, but also more professional and objective and fair. In the past, the representative of a company, said that their own products are good service claims, now the entire insurance industry to see, compare, who is good products, claims, good service, cheap premiums, etc. Under the comprehensive consideration, to find the best recommended to the customer, which is really standing in the customer's point of view for the sake of the customer, to recommend the most cost-effective products. Our comprehensive ability is stronger.

Insurance sales work, in foreign countries is a real gold-collar job, on board the certificate is particularly difficult, but also particularly respected, the domestic because of the late start, low threshold, the quality of personnel is not uniform, many quality people are not professional, abrasive, flimsy, etc. caused by the national people of the impression of the insurance is not good. This industry has a very low retention rate, a year down the retention rate of more than 10%, two years later is a single-digit retention rate, the average person really can not do, there is no network, there is no emotional intelligence, there is no patience and professionalism, it is difficult to stick with it for a long time.

The insurance industry is now in a period of transition, the old set of models has not been adapted to the current development of insurance, the main insurance companies must be transformed to better serve customers, to meet the needs of customers in various aspects. Independent insurance brokers is the future development trend, the insurance market needs highly educated and highly qualified people to drive the development of the industry, to meet more and more customers' comprehensive financial needs.

My daughter-in-law in the Pacific Insurance "work", to be honest, I was "looking down" on the insurance industry, think especially low, feel especially like a salesman, crooks, but I'm not too opposed to the idea that she just gave birth to a child in the The insurance company two days to fish three days to sun net, in contact with society not with society out of touch at the same time focus on taking care of the baby above is also quite good (she and I fell in love together after not to participate in the work, probably has been 5, 6 years did not go to work), but through her in the insurance company, my concept is slowly being changed, at least on the concept of the Sichuan Taiping Insurance Company has been changed.

1, I am very optimistic about the next ten years of the insurance industry, because the previous wave of rich people to buy insurance, the immigrants are out of the country, and our generation has just had some career after the start of the 80's and 70's, there is some money, but the body can not be, the demand for insurance is in fact very strong, to buy insurance is not in order to make money, because insurance is not necessarily a good "investment product", but definitely a very good product to avoid risk. For example, suddenly sick, although there is some money, but may not have so much cash, that whether you need to sell a set of houses, put below the purchase price of the stock to sell and so on, but if there is insurance is different, at least you can ensure that suddenly need to spend the source of the cash.

2, the quality of insurance practitioners is improving, at least Taiping Insurance, at least Taiping Insurance Sichuan District, Sichuan District is the country's Taiping Insurance to do the best in a region, because the boss is very bull (forget the name, haha), is a woman, and Taiping is a centralized enterprise, previously focused on business is abroad, and is now beginning to develop the domestic market, so the Sichuan Taiping insurance agent has a lot of The company has a lot of talent, international students, former bosses, former sellers of houses and so on, one of the activities let my daughter-in-law a big eye-opener, the whole time actually they are in fluent authentic English answer to the flow, and the previous concept of our impression of the insurance company are wearing a poor suit and tie just graduated college students to sell insurance, the situation is completely different.

3, income is really not bad, I did not expect the first month my daughter-in-law salary to get 50,000 ...... but this may have something to do with her network and ability, she and I together before the work has been a foreign company's general manager of the role of assistant, so the ability to still have, but the first month of 50,000 or let me surprised. Although the back of the monthly income is not so stable, less when a few thousand, more when a few tens of thousands, she is mainly in the oldest with the oldest, pregnant with the oldest, but I think that this relatively free working condition is still quite good, she is lucky, the group leader of the group is not every day to force the daily brainwashing meeting (the other group is still the case), just necessary to go to the company, so to go to the insurance company, so to go to the insurance company. Be sure to spend more time to visit the situation of various insurance companies, choose a local insurance company with potential, especially with who is particularly important.

4, now the insurance company in order to cultivate employees, and pull into the high-end insurance customers feelings, often do a variety of high-quality training, this piece is still a very good welfare, on their own life, work growth is still very helpful.

The above is only a family, may be all wrong, discount reading.

Give me another chance, I would never enter an insurance company, let alone stay in an insurance company for more than 300 days. It was during that time that I finally learned all about insurance companies.

In the eyes of many people, working in an insurance company is the most lucrative, and everyone gets at least $10,000. If you sign more policies, you will get higher and higher commission. But in actuality, none of you understand how hard it is.

The organizational structure of the insurance company is actually very simple, mainly field and internal positions. The internal position is mainly responsible for planning some activities, as well as giving incentives, so that the sales team to the insurance company to sell policies.

The so-called sales team is the field team. The field team is not the real employees of the insurance company. The insurance company does not need to pay the field team a base salary, the commission rate is set higher, usually at least 30%. For example, a policy premium is 10,000 yuan, the field staff can get 3,000 yuan. This is a month's salary for an average working class person.

It's true that if a field agent is diligent, he can easily get tens of thousands of dollars. But that's just the surface of what you see.

After leaving the insurance company, I realized that when I met with my old classmates, what they said was all a set-up. As mentioned earlier, the most important thing in an insurance company is the field team. My old classmates have already entered the insurance company, doing quite well, and have more than 10,000 yuan of salary every month.

I suddenly received a call from my old classmate, saying that he invited me to dinner on his birthday. After arriving at the hot pot restaurant, my old classmate asked me directly about my work. At that time, I happened to be working not very well. He then mentioned his own work situation and said that he had recently bought a new car, almost 200,000 dollars. When I heard that, I felt particularly uncomfortable.

We both graduated in the same year. It's only been two or three years, and the gap between me and him is getting wider and wider. The most direct comparison is the gap between income. At that time, I also rented a small house outside, just a less than 20 square meters of single room supporting. The monthly salary was also just 2000 dollars.

Then he threw in the towel on the job offer. He explained that the insurance company had an awards meeting to reward him for his positive performance at work. He asked me to attend and receive a prize. Then I actually went. Because he really told me several times, I just couldn't wear down my face and went to that awards meeting.

After I went there, I saw my old classmate getting all kinds of awards. He said his acceptance speech, and what he felt sorry for was his parents. He said he hadn't bought his parents a bigger house yet. He can only work harder to earn more money and sign more policies. After his speech, the people on stage were a little moved by what they heard and applauded excitedly.

Eventually, I was impressed. After he got off the stage, he finally gave a quote. He said that the insurance company was hiring a lot of people, and that he could still get on his team. He would definitely do his best to help me negotiate policies and we would all make money together. I, as a man, also wanted to take up the responsibility of the family like him. I finally agreed to join them and enter the insurance company.

After entering the insurance company, I knew that there was no base salary for field workers. However, my old classmate's words quickly put my doubts to rest. He asked me a few questions: "Did the people around you buy insurance? Did your relatives buy it?"

I replied, "No." Based on his words, what he meant was that so many people around me don't have insurance, and there are so many potential customers. And they are friends and relatives, so the trust must be good. As long as I go and meet my friends and relatives a few more times, I can well convince them to buy an insurance and get a coverage.

So, I didn't bother about the bottomless salary thing. I thought I would be able to overcome all the difficulties. I also slowly went along to adapt to the work of the insurance company.

I often send out a circle of friends to tell everyone the latest new insurance. This is what my classmate told me to do. He said that you must let everyone around you know that you are doing this job. People will come to you for advice when they have a need. I listened to what he said and did what he said. However, they hardly ever come to me for counseling.

After this, my previous savings were pretty much spent. Since coming to the insurance company, my money has been decreasing. It wasn't until later that I had to go borrow money to live. My insurance job was really quite tough. All my previous impressions of high income from insurance companies were gone.

As soon as I went to talk to someone about insurance, they would digress and ask me to talk about something else. To keep the conversation from getting bogged down, I had to talk about something else. At the end of the day, I can't convince myself to trust insurance. When people talk about insurance, they think about getting sick or hurt, so they're very squeamish about it and don't want to hear about how much it pays out.

Finally, I left the insurance company. I spent over 300 days at the insurance company general ****, made no money, spent a lot of money, and owed a lot of money to friends.

So, if I were given another chance, I would never go into an insurance company to work.

First of all, it should be clear that the insurance company is divided into a lot of different positions:

First, the insurance salesman, that is, commonly known as the sale of insurance, which belongs to the insurance company's field, and the insurance company signed an insurance agency contract, the company does not pay the agent insurance, usually only just a few months to a year will be liable for the base salary, that is, according to the commission on the sale of insurance, how much according to the corresponding proportion of the base salary, and how much the sales of insurance, how much according to the commission, and how much the sales of insurance, how much according to the base salary. The main reason for this is the fact that the company is not paying any insurance premiums to the agents!

Second, the insurance company inside, such as underwriting department, claims department, training department, insurance business hall service personnel, etc. In short, in addition to the field outside the company employees belong to the inside, mainly responsible for the company's operations and field service personnel. They belong to the insurance company's official employees, signed labor contracts, pay five insurance a gold, take a fixed salary or fixed base salary plus performance indicators bonus.

Secondly, the same insurance salesman, the scope of business is also different:

First, the life insurance salesman, as the name suggests, is mainly to life insurance, insurance, accident insurance, health insurance, etc. as the main business scope of the salesperson!

Second, the property insurance salesman, the main sales scope is to car insurance, home insurance, cargo insurance, engineering insurance and other property as the subject matter of the insurance!

As to whether to go to the insurance company to work, as a many years of insurance salesman my advice is:

First, engaged in the internal work, the current large insurance companies usually require candidates to bachelor degree or above, preferred to recruit fresh college students or have relevant work experience in the community! Strictly in accordance with the company's recruitment process, the internal affairs and personnel department leadership interviews, through the insurance company to go to work, which is an ordinary job, the general level of pay, in addition to the supervision of the Department of the weekend are usually double off!

Second, engaged in the field, generally high school and above can be (before almost no requirements, just fill in one on the line, now not), the insurance company is the Department Manager level of autonomy, so the recruitment of insurance salesman are carried out, that is, "enrollment", who recruited you, you belong to its department, can not be changed!

The insurance salesman is essentially sales, and selling houses and cars is no different, but the others are sold in kind, you can touch and see can try, while the insurance sells intangible commitments, while belonging to the strict financial products, both need to be professional and meticulous, but also need to be persistent and persistent efforts!

If you meet the following conditions, you can try to insurance salesman this career, the challenge of a high salary:

1, itself recognized insurance, recognized the insurance company culture and sales atmosphere!

2, the ability to resist pressure and self-adjustment is relatively strong (all sales need)

3, good economic strength (insurance sales is an accumulation process, the initial income may not be high, and the exhibition of the industry also need additional investment)

4, good people, rich network!

5, learning ability is relatively strong, insurance products are constantly changing and adjusting!

6, can bear hardships and stand hard work, and insist, insist or insist!

Next is the time to tell the story

When I graduated, I did not vote for any insurance company, and then a certain insurance company was particularly enthusiastic to call me for an interview, especially enthusiastic kind, and after I expressed hesitation in the next few days to make several phone calls, but also added my WeChat, so I agreed to go and take a look.

On the day of the interview, the temporary class did not go into, I did not expect after the interview time ten minutes after the call, asked me when to, after learning that I do not go as much as I blame me, said I should tell her, or the kind of grumbling.

After hanging up the phone, I felt very strange, and the normal recruitment process is too much difference

So I measured the reason, do not know, once scared, I almost fell into the scam. The company is a regular company, pit you are also regular means. Into the door to buy what employee insurance, training fees, clothing fees. Whether you interview is administrative or security, will eventually let you run the business. And the trial period is super long, early departure, if the insurance is not refundable, training fees are not refundable, it is possible that you interned for half a year, but also have to pour money to him.

Insurance to this point is also enough disgusting, pick inexperienced, eager to find a job in the hands of college students, said the insurance, it is better to say that the money.

Another story that makes people think, my father's classmate is to buy insurance, in her place to buy an insurance for her mother, 20,000 + a year, pay for 10 years, what is the insurance period for life, ask what is life, only to know that this insurance my mother can not get any income, only my mother died this money can be taken out, the children can spend this money. This kind of system is simply dehumanizing. This is not over, my father in the field on business trips and then call to buy insurance, the car signal is not good on the said wait until home, I did not expect her to take the initiative to buy insurance, imitating my father to my mother into the insurance signed the handwriting of the signatures signed, their own advances in the first installment of the money. The mother was a little angry, said not into, return. I did not expect her to let the father himself to sign to return, because not a city, about 200 kilometers together, the mother was completely angry, asked her how she got into their own way to put off, no effort to play with her, but also said some words of determination, she gave up, the contract will be couriered over to the return of the contract, and from then on she changed the previous attentiveness, and no longer do not come to the door do not call to and fro. This insurance terms are very strange, and not any major medical insurance, mother hospitalized sick nothing can not report, seems to be some kind of retirement. The company's website is a great source of information about the company's products and services.

There is another story that makes me completely disgusted with the insurance, the neighbor's mother died in an accident, the common cold to hang up water results in an accident. This incident was a big blow to the neighbor's family, because the death of just 50 years old, a very unexpected event, up to the elders down to the children are very sad. This is where insurance comes in. The mother died before the purchase of an accident insurance, according to the terms of the insurance company to compensate for the purchase of this insurance, only the mother and her husband signed, to receive compensation for the sudden complexity of the first spouse, children to sign, and then siblings to sign, and finally not work, and then let the parents sign. This time and again difficult to anger everyone, the family was already immersed in grief, the insurance company let every sign, her daughter to cry, tea and rice, the insurance company's approach does not have any insurance meaning, but rather to the wounds of all the salt. I have paid more than 10,000 yuan to buy insurance, compensation received more than 30,000, but the loss of life, the sadness of the wear and spend the energy, is not the 20000 "difference" can compensate for.

I don't understand why the insurance industry has survived so far and has been supported, I hate insurance, it's rubbish

I'm with Taikang now, and I love my job, it's all about positive energy every day. The insurance company is the free time, income is not capped, promotion is not restricted by others. There is no base salary in insurance, there is income from the policy, no income from the policy, starting from zero every month, there is still a certain amount of pressure.

A lot of people say that insurance is the first to start with relatives and friends, that's just other people and even most of the part will do so. And I'm not, I do all the unfamiliar market. I do not want acquaintances to say in order to earn his money how so and so. Buying insurance is all about yourself and your family, there's no need to stoop to their level as if you're begging them. I don't even mention it in my relatives and friends, he wants to buy from you he will naturally find you, there is no need to go to them to say go.

I went to an insurance company to buy insurance for myself and my family, and I wanted to get a better understanding. I found that the people in the insurance company are quite harmonious, there is no collusion, they are full of positive energy, so I stayed in the insurance company. As the saying goes, there is no motivation without pressure. If you want to do a good job, you have to put in a great deal of effort, except for Sundays, every day, I work in the morning and go out to visit in the afternoon, or contact customers or potential customers through the Internet, which is quite hard anyway. Since the choice to find a way to do a good job, and every day to learn, every day to improve.

Chinese insurance companies do three things a year:

1, open the door to the red (production will say) Ask the so-called experts and professors to open a few sprawling, incendiary strong product description, the location is generally a high-star hotels, in the form of cocktails, thank you will show. Give full play to the incendiary strong herd effect, after the village without this store. Crack method is actually very simple just think about where the money from his activities? It's not all about the premiums.

The door open red generally from December to the next year in mid-February, 60-70% of the annual results are completed during the door open red. The door-opening products are the so-called financial insurance, and the original purpose of the insurance is not protection?

2, speculation on the sale of this trick is the anchoring effect, not moving, said the unprecedented scale of speculation on the sale of the future premiums will rise and so on, all the return type of critical illness insurance will become the same as car insurance, consumer insurance. This trick is even simpler to crack, just after the new one to see if it is as he said.

The usual time is March-May, don't believe me? You search for "April 2017 insurance price increases", hindsight proves that the price does not go up, but down, forced to stop selling are too expensive for the type of insurance.

3, recruiting (also known as enrollment) is actually the development of downline, recruited in the people, indoctrination and brainwashing, so that relatives and friends to buy a circle of insurance, and then sold out, eliminated. How can this trick be solved? They are relatives and friends, difficult ah, wait until they are eliminated may be sober.

"1% of the energy to buy insurance, 99% of the energy to do the increase" This is often instilled by the insurance company, is to rely on the increase in their own and friends and relatives to buy insurance, so it leads to the insurance company's second year of the surrender rate is very high.

If there is anything else that works, it is the sales talk. Above.

Why?

I think we've all read some of the respondent's accounts from personal experience, and we should have a clear understanding!

Of course, you can also look at this article, "Ping An, please give the agent a little dignity and rights, okay", which made a lot of noise last year.

As you can see, there's a world of difference between a formal inside employee and a field employee at an insurance company!

We all know that insurance companies are hiring salesmen every day of the year, why is that? The company's rapid growth in size and business projects are as numerous as they are? In fact, digging deeper, it is very clear: in fact, the insurance salesman is difficult to recruit! What should we do then? The first thing you need to do is to get a new one, and you'll be able to do that!

Inside the insurance company is called "staffing": such as recruiting "reserve managers", "customer service staff", "after-sales service staff", "after-sales service staff", "after-sales service staff", "after-sales service staff", "after-sales service staff", "after-sales service staff" and so on. After-sales service personnel", "insurance agent" and so on, in fact, are salesmen, they will let you start from the salesman, that do a good job, that will be promoted. Now the insurance company's increase is very frenzied, they will try to let you go to pull the policy, and encourage you to start from yourself, relatives and friends; if you do well, then your increase in people also follow the profit; if you around the resources of the network are done, and then no longer do not move, then waiting for you is the next batch of to replace you, and so on this continuous cycle.

Generally speaking, most insurance companies take two roads: pulling the policy and the development of the organization. If you take the first path, this person becomes a sales manager, etc.; if you take the second path, you become a business manager, etc. But no matter which path you take, you will be able to get the job done. But no matter which way you go, pulling the policy is certainly not missing!

Of course, we also have to recognize that its insurance is intended to be a stable and reliable protection mechanism for us! However, the current practice of insurance companies and their salesmen in order to performance and commission, did not play a role in our insurance protection, but also be brought into the pit scourge of which! This is also the cause of the current poor evaluation of domestic insurance companies and spit it!

So, to be honest, I refuse to do insurance, and resolutely do not go to work in the insurance company!

Welcome to the attention: a gram of thought

I was a seller of insurance before, working in the insurance company for 3 months. I had a license and studied for a week to get it.

First of all, the insurance company is a promising and earning industry, only the public's impression of the insurance company is still stuck in the 70s/80s, so there is rejection and refusal. With the strengthening of crisis awareness, people have slowly begun to recognize insurance and buy insurance. So the insurance industry is the industry that can earn money.

Now the insurance company staff structure. Two lines, insurance company internal staff, product development, promotion, theoretical training. They are regular employees of the insurance company, with 5 insurance and one gold, may be treated better, high salary, stable income, higher benefits.

The other is the insurance business class, mainly sell insurance, the insurance company gives them policies, they sell products, manage the sales force. They have a complex staff and strong business skills. The training ability is super strong, can sell vegetables, open a small store, home as a housewife, can be developed into a sales elite, super white-collar income, elite class life. I have been in this system before, we class personnel, adhere to a year of basically no monthly income over ten thousand. January earn 3/5 million old lady countless. Only the newbies are inexperienced and make less money, so it's hard to stick with it. Some of our younger colleagues here are here to improve their social skills, some to experience life, and some to support their families on the side. Hahaha, because it's not part of the company in this system, it's especially mobile. Income is proportional to one's business, and overall income is unstable, benefits are low, and work is stressful.

The reason I can't stick around is that I truly don't like their lifestyle. Out of the mouth are all accidents, all major illnesses. Good scared look, so advise people not to reject, cautious acceptance. Finally, I wish everyone health