Generally speaking, Ping An's comprehensive extension position is to assist people in the life insurance department to carry out property insurance business, because life insurance personnel basically don't know much about property insurance (including auto insurance) and will not sell property insurance to customers. However, they have sufficient customer resources, and most of these customer resources are middle-level and above people with a certain economic foundation, which leads to their great demand for property insurance. If life insurance personnel can provide property insurance services for customers, they can cover all insurance services for customers and reduce their losses.

To sum up, Ping An took the lead in developing Zongtuo Post. Its specific operation mode is to send property insurance personnel in various life insurance departments. Then each property insurer is responsible for one or several life insurance departments. Property insurance personnel, that is, comprehensive development specialists, are responsible for teaching life insurance personnel property insurance knowledge and marketing skills. The performance of the comprehensive development Commissioner is the property insurance protection of the life insurance personnel he is responsible for. Commissioner's salary is only divided into positive and non-positive, and the difference is the bonus proportional to performance.

Evaluation: The main reason why Ping An's comprehensive development can be more successful than other insurance companies is the assessment of performance. Because they will add property insurance performance to the assessment of life insurance personnel. Compulsory life insurance personnel provide insurance policies to the comprehensive development department. In this way, life insurance personnel must sell property insurance to customers, or policies with property insurance can only be sold to other insurance companies after the assessment is completed (because the commissions of other insurance companies are obviously higher than Ping An).

Prediction: Going downhill, we can't achieve the brilliant results as in previous years. Reason: Life insurance salesmen can get higher commissions through more other channels, such as insurance agencies. The person in charge of the life insurance department excluded his employees from more exposure to property insurance business, fearing that they would ignore the life insurance business after too much exposure to property insurance, leading to putting the cart before the horse. Customers have increasingly accepted emerging insurance companies other than the three. Emerging insurance commissions are high, and customers can get higher rebates after consultation with salesmen. Comprehensive development itself is an excessive link bridge between life insurance and property insurance salesmen. Its essence has led to its rapid development and its rapid elimination. It is an excessive product of the history of insurance development.