What do you think of the insurance industry today?

The insurance industry has great prospects and a bright future.

First, people live in a world where uncertainty always exists and risks are always around us. With an insurance, we have an extra layer of protection that can protect us.

But it must be a behavior that can only be carried out if you have spare money to meet food and clothing needs. I have a friend who borrowed money to buy insurance, but everyone looked down upon him. This situation is not advisable.

Second, insurance can help us with financial planning and risk transfer. For example, you can buy dividend insurance, which not only forces you to save money, but also increases the value of your money. This is a good way to manage your finances. Especially for those who spend a lot of money, buying such an insurance is very necessary.

I remember when my husband was sick, the first thing my brother asked me was, did I buy insurance? I shook my head. I didn't realize its importance until it was useful, but it was already too late.

There are many types of insurance, such as pension, medical, accidental injury, etc. Although I realize the importance of insurance and have bought two insurances, I am still very resistant and have the same idea as me. There are also many people.

There is a saying that "one person takes insurance, and the whole family is shameless." This is everyone's common sense. Some people just mention insurance when they come to a crowd, and everyone gets up and leaves. This is a common situation. thing.

Insurance does have benefits, why don’t people recognize it?

One word, lie! In order to pursue profits, the salesperson does not tell the truth, but only tells you what its benefits are, and does not tell you in which cases it will not be compensated. There is a ten-day regret period after purchasing the insurance, but the policy only comes half a month ago. When you see the policy By that time, it's too late unless you accept compensation.

I bought a critical illness insurance policy. After I got the policy, there were so many cases where claims were not paid. The salesperson didn’t introduce a word of it at first. When the head office called back for a call, I had to help him cover up his lies, because everything was wrong. He is an acquaintance and I am embarrassed to expose him, but I feel very uncomfortable. It has been five years since I handed it in, and I still don’t know if I can use it in the future.

Insurance is good and definitely useful, but it lacks regulations. Some people exaggerate in order to pursue profits. When the actual claims are settled, the gap is too large, which makes people disappointed.

In fact, if you have the conditions, you should buy an insurance to give yourself some protection.

This is a problem that can be viewed macroscopically or microscopically, and can be viewed from multiple dimensions. I am Brother Hai, please follow me.

Since the country canceled the insurance agent examination in 2015, the spring of development of the insurance industry is destined to come. As of 2018, there were more than 8 million insurance agents on the payroll nationwide.

In recent years, the annual "Two Sessions Reports" have repeatedly proposed guiding policies to vigorously develop the insurance industry.

From an implementation perspective, in order to facilitate supervision, in 2018, the "Insurance Regulatory Commission" with a history of more than 20 years officially merged with the "Banking Regulatory Commission" to form the "Banking and Insurance Regulatory Commission". You must know that insurance has always been one of the troika (banking, securities, insurance) in the country's financial field, and is known as a "social stabilizer".

The state has popularized universal "social security" policies through policies. Individuals can purchase various commercial insurances according to their own economic conditions. This reduces the burden on the state's "social security" and is a supplement to "social security".

At the same time, the huge financing capacity of insurance companies is also very beneficial to national construction. Many large-scale projects and super projects in our country have funds from insurance companies. Therefore, the insurance industry plays a very important role for the country.

For society, the existence of insurance can solve many problems.

Although society has many prejudiced perceptions about the insurance industry, we cannot but talk about the importance of insurance to society.

1. Employment issues

Although the insurance industry is highly mobile, millions of insurance salespeople are still an employment force that cannot be underestimated.

2. Social stability

With insurance, companies and governments can calmly face losses when various disasters or accidents occur. Without worrying about social unrest.

3. Improve social efficiency

As mentioned before, insurance funds are reflected in every super project. Once the money is in place, anything can be said. Everyone understands this truth. This is social efficiency. intuitive system.

“One disease can destroy a family, and one disaster can destroy three generations.” This is the reality faced by many families.

Brother Hai met two young people before who had sold everything they could borrow and sell because of cancer. In the end, I ran out of money and had no choice but to go home and wait for death. When the person left, the family was finished. The parents of two young people are both in their 60s and still earn money to pay off debts; one has just gotten married and his wife is five months pregnant; the other has a child only a few months after birth; these two happy families are ruined.

It’s still about the two young people in front. Why did they die? The reason was that I had no money, so I finally went home and waited for death in despair! One was 26 years old and the other was 32 years old. They were in their prime years, but because the treatment expenses of 200,000 yuan each were not paid, the two young people died of despair and the two families were broken up.

Although insurance has various shortcomings, more social misunderstandings arise from people’s lack of understanding of insurance. This is reflected in all walks of life. If we think deeply about the risk resistance of ourselves and our families. We know how important insurance is to families and individuals.

Answer your questions one by one, don’t rush.

First, I have my own insurance. I also bought a lot of insurance for my family. As an insurance practitioner, I want to avoid many uncertainties in life through insurance. So there is insurance.

Second, according to 2012. Judging from the documents released by the China Insurance Regulatory Commission, my current... Accident insurance coverage is quite adequate. Well, as for critical illness insurance, it is still in the process of being replenished. Because the 2012 document gave a suggestion on buying insurance. That is to say, worth protection requires buying ten to 20 times your annual income. Critical illness protection costs five to ten times your annual income.

Third, as an insurance veteran. It can be said that I still know a lot about insurance. Insurance is nothing more than that. Through a kind of reserve method now, we can solve the uncertain problems of life, old age, illness, death and disability in the future, as well as the inheritance of wealth. Some contracts now secured are setting themselves up for an uncertain future. Make your future a little more certain.

Fourth, I think insurance works. Because I have handled claims myself and also handled claims for clients. And the claims were settled very well, I am very satisfied. So as a. For customers of insurance companies, I think insurance is very necessary and very useful.

Fifth, regarding the income of salesmen, different levels will have different incomes. At the marketer level, the annual income is between 50,000 and 80,000. At the supervisory level, the annual income is between 100,000 and 150,000. The average annual income of department managers is more than 300,000. Of course, these incomes are mainly determined by individual performance and the overall size of the team.

I don’t know where and which insurance company you attended the training. I personally worked in an insurance agency, and now I have transformed into an insurance broker. I have never encountered the kind of insurance training situation you mentioned.

If you are asking what you think of your current training situation, I have already answered it. Personally, I think the training I have participated in is systematic professional training.

If you are asking about how you view the development of the insurance industry, I think the future development of the insurance industry is still very good. The world's first insurance policy was a ship voyage policy issued by Genoese businessman George Luckwellen on October 23, 1347. Looking back, the insurance industry is actually an ancient industry. Today, the insurance industry in developed countries has become very popular. Mature.

Looking back at the earliest insurance industry in China in 1805, after the founding of New China, the insurance industry was disrupted due to economic and political reasons.

It was not until 1980 that the insurance industry was reopened, and it has been in development for 38 years. Compared with foreign countries, the domestic insurance industry has just started. However, the chaos in the insurance industry and the uneven quality of employees have been criticized.

But no matter what, the insurance industry is still developing in a positive direction on the whole, and the country has also introduced a lot of policy support in recent years.

I personally still have a lot of thoughts and opinions about the insurance industry, but for you personally, no matter which industry you choose, just follow your heart.

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Attitude: Reasonable financial planning, insurance is part of it, and risk transfer is essential.

As for the joke - paying 60,000 yuan in 10 years and getting back 50,000 yuan, the reasons are:

1. The product is indeed inferior.

2. Annuities are for long-term cash flow, not short-term savings or financial management, and insurance does not have financial management functions.

3. Corresponding to Article 2, taking it back just after it was handed in is a breach of contract. In addition, the insurance company did not react at all and made a confusing case.

I am very optimistic about the insurance industry, especially the insurance brokerage industry.

The separation of production and sales must be a major trend. Insurance companies focus on producing good insurance and leave sales to professionals. Insurance companies compete on the same stage to determine which product has the advantage and whose product is sold. OK