Why do insurance salesmen pull people around them to sell insurance?

Original from WeChat official account: Chengyibao

Original link: Why do insurance companies keep recruiting people?

Who is hiring? Have you ever had such an experience: looking for a job and opening a recruitment website, which is almost full of such recruitment information? I don't know what position this job is, or even what company it is.

If you put your resume in the recruitment information above, you will receive many such calls in the future.

The HR Commissioner of XX Insurance Company or XX Comprehensive Financial Group called you and invited you to the company for an interview. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China

I sent two resumes at random, one of which impressed me deeply. A girl told me on the phone that they are a comprehensive financial company.

My first reaction is whether this is insurance or a kind of insurance.

The girl said in the original words: We are a comprehensive financial company, not insurance. We mainly do auto insurance and mortgage, as well as trust and lufax, and so on.

Now because of the great increase in performance and personnel, I want to recruit some people with management experience to develop together! At the same time, we have a basic salary for experienced talents, which is generally 5400 for junior college or above.

After hearing these words, I basically solved the doubts of job seekers.

First: do not sell insurance!

Second: business is very good, lack of people!

Third: the company's product line is very rich and easy to do, including auto insurance, loans, wealth management and so on!

Finally: the company has a basic salary!

To tell the truth, most people will be moved by such good working conditions, especially young people who have just graduated and have little social experience.

But brother Bao saw the problem at a glance.

People who have never done insurance may not imagine that a newcomer who has just entered an insurance company can also recruit, which is euphemistically called "self-built team and self-employment". To put it bluntly, it is to develop offline, attract people, pay offline, and get commission by yourself.

Brother Bao has seen few colleagues and made few orders himself. He can live well in the interests of the team.

Many people are reluctant to sell insurance, so they sometimes recruit according to positions such as salesman and logistics, and then slowly guide them to sell.

The above words are classic and must be the best scheme after many people's practice and modification.

Besides, the little girl on the phone is not safe. She is only a temporary worker (assistant) hired by one of the salesmen, so her behavior can't represent the company, that is to say, everything she said to you, even if it is all recorded, has no law to protect you.

As long as you go to the company, you will be invited to participate in briefings, new training and so on. And brainwash you by telling you how noble the insurance industry is and how high the income is, and finally let you sell insurance together.

So it is not an insurance company at all, but an agent of the insurance company and an assistant of the agent. Even the person who recruited you may be a newcomer just a few days ago.

Why is the insurance company short of people? In fact, insurance companies are not short of people.

They are not short of employees and customers. Do you think insurance companies recruit employees? Wrong, in fact, he is soliciting customers!

Due to the lack of basic financial education in China, many people lack understanding of insurance.

So it is difficult for people to take the initiative to buy insurance. At this time, it is necessary to educate people, that is, to let everyone understand the significance and role of insurance.

Newcomers go to insurance companies and spend the first few months in training.

It's all about the benefits of insurance. Life is full of risks. How important it is to manage risk. Everyone needs to buy insurance.

As can be seen from the content of training, newcomers are not trained as employees, but as customers.

After the training, basically everyone will agree with insurance (and some will leave naturally).

Coupled with the influence of some old agents around, it is easy for newcomers to buy insurance for themselves first.

That doesn't count. I have to buy my own family.

We all have three relatives and six friends. Many relatives and friends will buy your insurance out of human feelings, just as they support your work!

I sold all the insurance of my relatives and friends, and almost half a year has passed.

When you find a sales bottleneck, the old agent of the insurance company will tell you: in fact, selling insurance does not make money! Do you think that a certain director of the company got his start by selling insurance? Don't! They all work as a team and let the team help you make money.

To do insurance, real money is to develop your own agent team.

Then now it's all the directors and managers to share your personal success experience.

It makes you feel that as long as you do it, you can reach the peak of your life like them. At this time, they will let you do the recruitment!

Recruit more people like you and join the insurance company. Then let them buy their own insurance and sell it to relatives and friends.

In this way, the cycle goes back and forth.

According to my own observation, most insurance salesmen have three processes: suicide, murder and falling.

Suicide: After joining the company, everyone was just a trial seller, and under the pressure of performance, they had to buy it for buy buy at home. After buying it for your family, you can become a regular employee. This process can be called "suicide". Killing cooked food: Many people can only start with relatives and friends because of their limited business ability, hoping to generate sales through past relationships. This process can also be called "killing". Fall off: After "suicide" and "killing", many people still don't have the ability to open up new customers. Without performance, there will be no income, but also face the company's assessment, and then start to increase staff. In the end, you will not be able to recruit people and sell insurance, so you will "fall off the horse" and leave the insurance industry completely. The sales staff of professional insurance companies are scientifically called insurance agents. In fact, this system is imported.

1992, AIA introduced the agency system into China. Subsequently, insurance agents took root in China in an explosive way, and generation after generation of insurance agents promoted the rapid development of insurance industry in China.

Many customers, including people from insurance companies, think that agents are employees of insurance companies. In fact, the insurance salesman of an insurance company can be understood as a salesperson.

After you get the goods from the insurance company and sell the products, you get the commission, and you sign the agency agreement, not the labor contract.

Most insurance companies will not pay social security to their agents, and many people lack their own protection.

According to China's Insurance Law, an insurance agent is a unit or individual who collects agency fees from the insurer on the basis of the insurer's entrustment and handles insurance business on behalf of the insurer within the scope authorized by the insurer.

The following is taken from the explanation of official website, an insurance company.

This paper mainly expresses that insurance agents are not employees of the company, have no independent legal status, do not enjoy employee benefits, and need to collect business tax and personal income tax.

The "employee system" in the insurance industry has been called for several years, but it has not yet been realized. By the end of 20 18 and 1, the number of insurance agents in China has reached 8 million.

The insurance company will sign a labor contract with you, with no basic salary, five insurances and one gold?

Unrealistic!

Among the top life insurance companies in terms of agent channel scale, we only know that Pacific Life has launched a pilot recruitment of employee agents in some areas.

Project Name: Jin Yulan Wealth Management Center

Requirements: Full-time college degree or above, aged between 25 and 40. Locals are preferred and need an interview.

Treatment: regular employees prepare and sign labor contracts, and enjoy a basic salary of 3,000 yuan/month, plus sales income and performance income, allowances, bonuses, five insurances and one gold, and employee benefits.

Above, few people can do it.

Therefore, every time Brother Bao meets those salespeople who are in the Fortune 500 and proud of their insurance companies, my mood is still somewhat complicated.

A company agent with 16 years of experience said this about brainwashing and loyalty company training in the insurance industry.

Work experience I think everyone has their own feelings about what it's like to work in an insurance company. I interviewed the partners of several different insurance companies at random.

The following descriptions of these partners do not represent my views:

Does the insurance company have a lot of training?

My company has special training teachers, but more often it is old employees who train new employees. The company has a good name, which gives everyone a chance to go on stage to exercise. In fact, while saving costs, the quality of training is not guaranteed. The experience of old employees is worth sharing, but the understanding of many knowledge points may not be in place.

The morning meeting of the insurance company is the last thing I can accept. I used to feel that the financial industry was quite serious. Insurance companies came to sing and dance every morning, and then the host took everyone to shout, "Our company is the best! The product is the best! The welfare treatment industry is the first!

Do insurance companies make much money?

Companies often convey an idea, "Simple, obedient, and do it. Millions of annual salary is not a dream, it can replicate the success of others. "

As a result, newcomers recite words every day, make strange phone calls, and sweep the streets in office buildings. I believe that as long as the quantity is large enough, there will be a certain success rate. However, many people later found that few people made an annual salary of one million.

Generally speaking, there is no basic salary for selling insurance. One source of income is the sales of their own products, and the other is the off-line sales commission. It is true that some people at the top of this industry earn millions of dollars a year, but some people can't open a bill for several months, which is quite a feeling of success. In fact, every industry has winners and losers. As long as you have the ability, there are people with high incomes in every industry.

In fact, MLM team, product-oriented sales and extensive management are still the driving force for the rapid development of the life insurance market, and they are also the main reasons for many chaos such as towel twisting, misleading customers and constant complaints from sales staff.

The pyramid-like sales team structure fatally echoes the "28 Law" that people often say, climbing to the top of 20% and becoming famous in one fell swoop.

The remaining 80%, caught in the middle, ups and downs, involuntarily. Think of it as a towel dipped in water. Screw it out and throw it away as a shoe.

However, without the subjective evil of salespeople, more helplessness comes from the system itself.

We prefer to believe that salespeople are well-intentioned when they enter the business.

The pyramid team structure naturally tends to expand in scale, and it is difficult to give consideration to the protection of personal interests and the building of professional quality.

More inclined to create value for the company, not for the individual.

The big coffee in the industry said this about the insurance agent system.

To sum up, the biggest feature of insurance agents or other retailers is that they must have strong social skills as sales.

Customers recognize people rather than products, whether it is banks, securities or insurance.

Therefore, the best sellers are often local people who have been immersed in society for many years and have extensive social relations. They don't need too much professionalism-in fact, the stronger the professionalism, the weaker the sales ability.

As an insurance agent, do you stand on the customer's side and become the insurance consultant of the customer, or do you unconsciously stand on the company's side and act as the premium excavator of the company's shareholders?

Remember, agents are not employees of the company, and the interests of the company have nothing to do with us, but the interests of customers are our interests.