1. Performance is king: the insurance industry only recognizes performance, and you are king if you have performance, and you are garbage if you don't have performance. A lot of things will be successful if you work hard, but insurance does not mean that if you work hard, your performance will be good. Sometimes your efforts are not as good as the words of other people's relatives. Every quarter, we have to check. In order to keep the job number, we have to pay for insurance policies ourselves. Why do many insurance salesmen willingly pay for insurance to protect their job numbers? Because, they firmly believe that they can sign a big policy next quarter, but in fact, every quarter is like this. If they have no money, they will cash it out with their credit cards, so the debts will accumulate.
2. All expenses are paid out of their own pockets: the insurance salesman gives customers gifts, invites customers to eat, and pays for their own food, clothing, housing and transportation, even an A4 piece of paper from the insurance company. Because insurance salesmen sign agency contracts, they don't even have the most basic social security. If there is performance, the insurance company will take out part of the premium as commission. Without performance, all expenses must be borne by yourself, and there is no loss to the insurance company.
3. Surface engineering, in order to save face, to prove that I have done a good job in the insurance company and made a lot of money, I have to borrow money to buy a luxury car, and my credit card is overdrawn to buy clothes, watches, shoes and other decorations to decorate my facade.
4. It is only the phoenix feather scales that make money. Only at the top of the pyramid can the monthly income easily exceed 1,, hundreds of thousands or even millions. Otherwise, the insurance salesman at the bottom is the leek that others are preparing to harvest.
5. There is a flood of insurance salesmen. Ask friends and relatives around you, classmates and colleagues, etc. One in ten people is always doing insurance or has sold insurance. Why is the loss of insurance salesmen so serious? Because many people use short-term operation, they sell almost all the insurance policies of friends and relatives around them, so they don't do it themselves. Only such people will not be in debt, otherwise, the longer they stay in the insurance company, not only will they not make any money, but most of them will be in debt!
I've also done sales, and many of the sales are made by overdraft credit cards. As a salesman in China, do you know what a narrow escape is? Only one of the ten salesmen can live, and the others don't make money. If they don't make money, they will lose money. What should they do? Overdraft credit card. I used to make loans, and the borrowers had a basic salary of more than 1 yuan. However, in sales, if you don't make achievements and rely on a basic salary of more than 1,, you will also be in debt. Looking back at insurance, insurance I went to a lecture for a while before, and I also signed up. Now the order is not issued, but the number is issued. There is no basic salary for insurance, and you can only earn money if you pay the bill. Think about it, a young man, who certainly has no savings, will take out insurance and work hard because he thinks he can earn money in three months. As a result, paying for insurance, treating guests and returning water to friends, and buying insurance requires performance, but these bills can't make him alive. If you don't make much money, you will swipe your card. Live a credit card life. The insurance elimination rate is as high as 8%, which means that eight out of ten people don't make money.
because the amount of rebate is too large, if the rebate is not timely, there is another person who buys insurance from him.
second, it is necessary to have a policy to make a deal every month, which is too difficult for many people. Today, with the development of the information society. Many people will choose to buy online. So they will have some funds to sell themselves. I haven't heard that this person will become more and more valuable after working in insurance for a long time. It's not that this person is rich, nor that this person's ability is valuable. It's that this person has too much insurance. If there is an accident, it will be valuable.
to sum up the above two points, because you earn less and pay more, you don't need a credit card, so what should you use? After all, credit card is the most cost-effective loan.
After the liberalization of the China Insurance Regulatory Commission (CIRC) in 215, major insurance companies recruited a large number of new people, and those who were suitable for it slipped around first. Instead of recruiting professional agents, they recruited customers, managers and directors or directors to start drawing blueprints on your cake paper. Millions of annual salary is not a dream, so change your mind first, buy suicide sheets first, and buy family and friends sheets, and the circle is finished! You can't kill the familiar, and the unfamiliar can't do it. Fuck off, because you are an eyesore. At best, you are here to fill in the blanks. After leaving Zhang San, Li Si, the top directors, managers and directors are all achieved by manpower, and the salesmen are just chess pieces! You are not in debt, who is in debt! You are the one who can't satisfy his hunger by looking at the cake. The cake is in charge, and your face is full of food!
I knew an insurance salesman before, that's all.
actually, to be precise, he should be considered as a team manager of a small team of an insurance company. The credit card overdraft is nearly 8 thousand yuan. At that time, I felt a little incredible. According to the truth, you are no longer a grass-roots salesman, which means that someone has already worked under you. Plus, if you work hard and sell insurance, it will actually be very profitable. < P > Later, after understanding, it was discovered that all his credit cards were cashed out to buy insurance in order to complete the corresponding insurance performance assessment during the work process. Because his position is a team manager, it takes a certain number of team members to get to this position. But selling insurance doesn't mean selling food casually. You have to find the right talent line. Many team members will not bill for a long time. In order to relieve the pressure on team members, or to maintain the number of people who meet the standard, you will cash out some money to buy insurance first, and then surrender it next month.
But as we all know, most insurance companies can't get a few dollars back when they surrender their insurance. If this goes on for a long time, it will lead to credit card overdraft.
I'm a wild boar. Let me answer
The answer is simple: I didn't make any money!
In fact, many people are living by overdrawing their credit cards. They come from all walks of life, especially some post-9s and post-s, and they are big credit card overdrafts. Insurance agents are human beings, and they have to support their families. Without making any money, they need money to turn around. At this time, it is also a helpless choice to overdraw their credit cards. Then why don't many insurance agents make money?
as long as it is a profession, it has the so-called technical content, but different occupations have different requirements and standards for technical content. Insurance agency is a profession with strong professional requirements.
you should be familiar with not only the insurance clauses, but also the insurance practices and operations. In addition, you should also be familiar with the sales skills, sales psychology, sales etiquette, and related laws and regulations, such as insurance law, marriage law, contract law, tax law, etc., especially the legal contents that intersect with insurance. In short, the learning content is all-encompassing.
Short-term training of insurance companies is difficult to meet the market requirements for professionalism. Many people who have turned around in this industry can't even tell what insurance is.
the elimination rate of insurance companies is as high as 7% every year, and the pressure mainly comes from the insurance agent system:
First, performance is treasure, and no performance is grass. This is true for both the company and the family. Achievement means income and contribution in the company. Being at home means being responsible No performance means that it is LOSER for both the company and the family.
second, there is no five insurances and one gold, and there is no basic salary. Because he is not an employee of the company, he can't enjoy the company's five insurances and one gold, and the pension and medical companies are not responsible. Leading to a sense of insecurity and belonging at all.
third, there is no endless road to sales. No matter in the hot sun or in the storm, insurance agents must go out to exhibit, otherwise it means no income. Every day, it comes in the wind and goes in the rain. It is said that working hours are free. In fact, for the sake of life, insurance agents can't rest at all, and work and life can't be clearly distinguished. Life is insured and life is insured. The maintenance of customer relationship is not only the payment of money, but also the payment of time and energy.
All the above situations have brought great pressure to insurance agents, and "Let's talk about earning a ticket, whatever" will also become a common idea of some insurance agents.
The reasons for such a bad word of mouth are complicated. It's not the question I want to answer today. However, it is an indisputable fact that bad word of mouth leads to the low social status of insurance agents. This also leads to the high exhibition cost of insurance agents. People have to pretend that they have a successful career. At the same time, it is common for customers to get a commission back in exchange for gifts. This undoubtedly makes the situation of insurance agents worse.
The above reasons, together with the "28 Law", make 2% of the people earn 8% of the money, while many others have a mediocre income, or even can hardly make ends meet. Therefore, it is not difficult to understand that there are insurance agents who get along with overdraft credit cards.
I'm a wild boar, that's all.
Many people think that insurance salesmen are all dressed in suits and ties, and their monthly income is tens of thousands, hundreds of thousands or even millions. However, I also heard that some insurance salesmen have to live on overdrawn credit cards, which is very sad. If you have friends who are insurance salesmen, you know that the insurance industry is not as good as you think.
first, the insurance industry only recognizes performance. If you have performance, you are king. If you have no performance, you will have no income. It is difficult for insurance to make a performance. First, it is difficult to invite customers. Second, it is difficult to sign bills. Customers are their relatives and friends marketing circle, and then the stock customers and strangers. Stock customers are ok, at least they have no rejection of insurance, so they can have a chat and dig deep into demand. Farewell really tests people's emotional intelligence and adversity quotient. After seven calls out of ten, two people hang up when they hear the insurance, and the remaining one is willing to listen to your chatter, depending on whether you can keep it. Often, it is great to get about ten customers in one hundred calls.
Then there is the signing of the bill. Once you start to cut into the key points, it is easy to talk about the collapse, especially the sensitive points such as dividends and claims processing. After all, many people buy insurance not only for the insurance itself, but also for the investment income, and regard insurance as a panacea. It is difficult to issue an insurance bill. In order to complete the performance, the salesman can only post money himself, and cash out with a credit card if he has no money, resulting in heavy debts.
second, when meeting customers, you should not be shabby. You should wear a suit in place, do a good job in face-saving projects, and use a famous brand first. Insurance salesmen have to pay for gifts, dinners and other expenses for their customers. It's easy to say that if you make a performance, you can't make a performance, and all the expenses can only be borne by yourself.
Third, the internal team structure of many insurance companies is layered according to the director-manager-team leader. After the team leader's performance reaches the standard, he begins to increase the number of employees, recruits new agents, and gradually promotes to manager and director. The subordinate managers and team leaders continue to increase the number of employees, constantly expanding the scale of the pyramid, and when it reaches a certain scale, it can be independent and establish a new pyramid. To put it bluntly, it is a legal pyramid selling model.
The bill signed by the newcomers will be given to the manager and director, so that the people at the top of the pyramid can almost enjoy the success. For insurance agents at the bottom, people with weak business ability can't continue to issue orders after basically finishing the business of relatives and friends, or they can only leave by paying for themselves.
To sum up, in the insurance industry, there are indeed many people who can become members of the MDRT (Million Round Table) or win the IDA International Dragon Award on their own, but more people change careers because they can't stand the pressure. Selling insurance requires a strong psychological quality. In the fierce competitive market, beginners can only get ahead if they can withstand the embarrassment of being rejected and drinking the northwest wind.
At present, domestic insurance agents have no sense of belonging, and the pressure of survival is huge, which leads to the "big entry and big exit" of insurance agents, and it is difficult to train talents. For the insurance agent at the bottom, if the personal business ability is not strong and perseverance is insufficient, the annual salary of one million is just a dream, and what is in front of us is the performance that is difficult to complete every month and the credit card that is maxed out every month.
giving advice and suggestions The insurance industry is really an exercise industry, which makes people make rapid progress. Moreover, insurance salesmen visit customers every day and get in touch with people from all walks of life. Over time, they naturally have deep connections. This is also a good resource accumulation channel. Of course, being an insurance salesman also has disadvantages. For example, there is no basic salary and great pressure. If you don't have a job, or you can't find a better job for the time being, you can try it, in case you are really suitable for selling insurance. Anyway, just make a card and have an early meeting in the morning.
Today, July 6, 216, the year before last: I once posted some information on popularizing insurance knowledge in Baidu Yongji Bar, and some friends posted posts like "Don't believe in insurance whatever you believe", "Stay away from insurance, stay away from women who run insurance" and "Insurance insurance is harmful, so I don't buy insurance, it's okay, I bought it.
With the pyramid scheme of "premium theory hero", employees are chasing the weird aura, the loss of conscience and the minimum moral interests ...
Take a certain wealth management product of XX Company as an example, among the known customer groups, the youngest is only a few months, and the oldest is more than 6 years. I wonder if it is still a baby. The malicious development and large-scale promotion of this type of insurance violates the protection principles of "the purpose of buying insurance is to solve the major risks that cannot be borne" and "the responsibility should be given priority and the risk should be given priority"! ! !
In fact, there is nothing wrong with insurance itself, only people's problems and companies' own problems. In the hundreds of hours of morning meetings and regular meetings every year, companies can hardly spare an hour to cultivate the professional ethics of employees, improve their business ability and level, and lack perfect after-sales service and professional ethics.