Advice from a former insurance practitioner to an old friend

Recently, an old friend came to ask me if I want to take part-time insurance. I asked him why he suddenly had this idea. He said to me: because of poverty. I feel a little sad to hear this sentence. Because once upon a time, he was in high spirits and was called the school grass. Even if he was handsome, he would be fine at school. He is also the president of the student union and a pillar of the country. After coming out of society, he was beaten by society. Where have all the teenagers gone?

I told him earnestly: Is there really no chance in my industry? He said he just felt the crisis of middle age. I didn't expect this word to appear in our generation so soon. Indeed, there are old people in the world, little people in the world, and a debt in the middle. I am at a loss every day. Like old friends, I am also under the pressure of mortgage. Because he got married early, he was more stressed than me. The child is starving. I'm in debt because of the stock market crash. I haven't turned over yet. I felt his pressure. Because I'm in debt now. Because of a temporary investment mistake, I fell into a quagmire. I've been thinking about how to make money and pay off debts.

When I was young, I was easy to be aggressive and easily carried away by the idea of getting rich overnight. When people reach middle age, they have the word "duty" in their hearts. Young people are too impulsive, too easy to rush into the stock market, housing market, P2P, bitcoin and other scams, and will definitely regret it after becoming a leek.

In order to pay off my debts, I went to do insurance and start a business. The insurance industry can't say bad. But it is too influenced by personal background and connections. When I entered the insurance industry, our director told me a sentence: insurance is to realize the personal resources around me. But also to realize personal resources that can be trusted around you. Then your own personnel must stand up at ordinary times. At least give people the feeling of trust. An insurance contract is a promise. Once I leave this industry, I think the whole thing is a collapse. As soon as I left this industry, I felt as if I was sorry for everyone and embarrassed to appear again.

Leaving this industry is really helpless. The insurance industry is very glamorous, but it is not easy. When the income is good, there is one or two thousand. When the income is bad, there is not even a fraction. Extremely unstable. We often hear that some people make a lot of money from insurance. I believe there are many people who can make a lot of money. But the ultimate factor is how to make money continuously. The mode of the insurance industry is to let your closest relatives and friends listen to you, because they trust you, and if you really convince them, they will let you place an order. There is a certain probability in this. If you can make money in the first year, you can set up a servant, then stick to it and actively explore contacts every day, and then you may continue to do it by recommendation. If you can make money. If there is not enough luck ahead, there will not be enough food to support. Especially for people in debt, stopping eating for a month is enough to make you feel uncomfortable, and you will give up automatically after a few months. But the time cost is spent. The trust of contacts is also consumed. Although I have to admit, some contacts are unnecessary and may not be used for a lifetime. But if you face a friend who once bought insurance from you, and you don't succeed. There is always a hurdle in my heart. I can only comfort myself. Ma Yun once said that doing business should start with friends and acquaintances. If acquaintances can't do business, who else can?

I left the insurance industry for more than half a year and worked hard for a year and a half. I tried hard to visit three times a day, but I still couldn't do it. I naively thought I could keep doing it. But the insurance company has an evaluation, and the evaluation is the same. Insurance has a subsidy period, and once the subsidy period is over, the income will be reduced by almost half. Just like the system designed by insurance companies, in the first year or a year and a half, people around you will basically run out of contacts, and it is of little value to keep them. It's almost time to leave. Anyway, the insurance company has a new person, a new round of contacts. I once stood on the bustling Sports West Road and saw people everywhere, feeling that there were opportunities everywhere. Unfortunately, it is not easy to face strangers and turn them into customers who can trust themselves. The establishment of trust needs a process. Some people seem to be born with the ability to gain the trust of others easily. But more often, to gain the trust of others depends on pretending. Dress here means pretending to be a professional, caring and decent person. From the beginning of the costume, to gradually become natural. Become a master. However, often before you become a master, you can't survive the darkness before dawn.

Insurance is a good thing to resist risks. But in the final analysis, it is also a commodity, and it is profitable. The vast number of insurance salesmen, in the final analysis, are insurance agents and middlemen of insurance companies. Their purpose is to earn the commission difference by selling insurance. There is no essential difference between you and opening a franchise store. This is business, which means we must solve the traffic problem. Where to get customers and how to get continuous traffic. Some insurance agents bring their own traffic. They used to be the best in the industry. I have accumulated rich contacts in an industry for many years. They come to do insurance, and many old friends will trust them at first. And through the introduction of friends, a virtuous circle is formed. It turns out that people in the industry will join him and become a member of his team, which is his downline. There are two ways to do insurance, one is sales, and the other is team. Being a team can last forever because a team can be a system. The system is to become an iron camp and a mobile soldier. The loss of team members is not a big problem, just recruit new people to supplement it. When the team gets a stable state, the income of the team leader can also reach a stable state. You have to take money if you don't pay the bill yourself. This is the same as starting a business. Entrepreneurship is also to make a system, and it is best that this system can continue to grow and develop. Insurance agents are also more inclined to attract some people who are interested in starting a business through entrepreneurship. But I really advise my friends around me not to enter casually. Unless you are excellent, attractive, diligent, have some savings, no income, no pressure of loan, and have a good popularity, you can last for a year and a half. Then you can try. Otherwise, don't step into the insurance industry easily. The insurance industry is even less suitable for young people who have just graduated. One has no connections and the other has no food. Do you depend on your parents every day?

Other industries may complain that their industries are not good every day, but people in the insurance industry dare to complain that they are not good. They should have positive energy every day and say that their industry is good every day. How else can they attract people to be their downline? Now that I have left this industry, I can seriously vomit. Do you want to buy insurance? Want to buy. But do you want to buy it through an insurance agent? Why buy through them? Because I'm too lazy to plan my finances. Too lazy to learn financial management knowledge. It is true that most people do have a huge knowledge gap. Don't understand what risk is. So you need a group of people whispering in your ear. Or look at what's happening around you. Then I suddenly woke up and wanted to buy insurance for myself. Does the insurance salesman exist? Want it. But is the way insurance salesmen exist now too extensive? Anyone can be employed as an insurance salesman. The interview with the insurance company is just a formality. There will be no card for you. As long as you are willing to come, you will run your own performance when you come, and you will leave automatically if you can't run your performance. Increasing employees is the secret of insurance companies' profits. A person who comes will always bring some achievements, at least he may make his own order first. The company will not lose money. Some companies and some teams even take the increase of personnel as the most important assessment index. No matter whether the people who come here are really suitable for this industry or not, no matter how long they can work.

Having said so much about the insurance industry, do I regret entering this industry? This has something to do with my personality. I have my own stubbornness. I will never regret my decision and everything. It's all an experience. If this experience is bad, I will reflect on the reason. Young, I still have a chance to start over. But I still want to advise every friend who wants to enter the insurance industry. I really thought about it. I don't know what to do yet, so I entered the insurance industry with a try. Believe me, if you are not a friend who is determined to stay in the insurance industry for a long time, I advise you not to enter the insurance industry easily. Those friends who tell you that insurance is easy to do, he just wants to trick you into following him and becoming his downline. If an industry is easy to do and there is no threshold, a large number of people will flood in and make it full of competition until the income level of the industry drops, forcing some people who can't make money to leave the industry and make it in a relatively stable state again. In the past, many people really came to the insurance industry because of despair. It is absolutely impossible to enter the insurance industry without retreat today, because why would someone choose a desperate person to convey trust?

Whether buying insurance or doing insurance, I hope that my friends around me will not trust this person so easily. More independent thinking and more critical thinking. Know what you are really suitable for. Give yourself more time to know what you don't know, and don't be impulsive. If you really want to do insurance, please consider it as a venture. To start a business, you must first do market research, know where your market is, how long it can last, and have any ideas on how to open the market. Tell you, even a person who has been engaged in the insurance industry for more than ten years, the question he thinks about every day is where his market is. Buying insurance is a gamble. In case of an accident, the insurance company will compensate a sum of money. The insurance company bet you a safe life and earn all your premiums. Doing insurance is also betting on whether you are really as good as you think. If you lose the bet, you must admit your cowardice and find another industry to struggle. To be a man, we must finally find what we really want to do, accumulate constantly, and create barriers that require time and wisdom to accumulate, so that others cannot easily replace ourselves. I am still stumbling on this road myself, and I have never found anything to be firm in my life. I just want to record my route and be less confused. After all, people are in their thirties and still can't find their own way. Maybe life is like this.