What is it like to work in an insurance company?

After working in an insurance company for a short period of time, I realized that the experience was simply a process that distorted human nature.

I didn’t have a job that year, so I was sending out resumes and interviewing everywhere. Because I had no savings before, and seeing that the rent was about to expire, I was very anxious and wanted to find a company as soon as possible, but the more anxious I was, the less suitable I could find. .

I was walking on the street that day when I suddenly received a call. He spoke Mandarin that was not very fluent. I could tell that it was almost the same as our hometown dialect. Hearing the local accent in a far away place made me feel strangely confused. gained a trust. She said she saw my resume at 58 and asked me if I was looking for a job. She was hiring customer service because I had worked in customer service before, so the job intention on my resume was customer service.

I asked her some simple questions and made an appointment for an interview. She said she would also take an assessment on me, and I could only be employed if I passed the assessment. I immediately felt that it was quite formal.

The next day, I arrived at the interview place and she received me. Then she took me to the office. There was a man in the office. She told me that the supervisor was responsible for assessing me, and then she As soon as I went out, the supervisor chatted with me for a while, asking me what I had done before, what dreams I had, etc. Then he asked me to download an app on my mobile phone and opened a test paper for me to fill in. Basically, I had choices. After finishing the question, the woman who called me (hereinafter referred to as my recommender) also came in. They said that I was excellent, and I was so impressed that I was a little confused.

I passed the test and was informed that I could come to work.

In fact, when I saw the workplace, I felt something was wrong. It was noisy, with music playing on the speakers. They sometimes shouted slogans and sometimes danced. No one went to work all morning, and they were all talking useless things in meetings. of. The meeting was held by two middle-aged and elderly women, who I later found out were called section chiefs.

Two days later, my recommender said that training had started. I followed the address she told me and went to the training location. There were so many people at the same time! I can’t help but sigh at how big a company is! So many recruiters.

I remember the last time I had a class in such a big classroom was at the university. The training teacher gave us new books and teaching materials. We all dressed in uniform, with a full sense of ceremony, and all the teachers who came to give lectures could say They are handsome men and beautiful women, and of course their performance is very good. They earn tens of thousands a month. They tell us about their experiences, how miserable they were at the beginning, and how they became winners in life through selling insurance. Our hearts were filled with excitement when we heard it. Later we found out This is called "beating chicken blood".

What impressed me deeply was a female teacher who said that she used to be a housewife and was looked down upon by her whole family. Then she sold her insurance and bought a Mercedes-Benz a year later. Now her family members are all around her. Turn around her. There is another male teacher who said that he asked everyone in the company to buy his insurance under the guise of visiting a leader such as the mayor. In fact, he didn’t know the mayor. We can’t tell whether it’s true or false, but there is one thing. People emphasize that to do this job well, you must have social skills.

The people on the stage were telling stories, and we in the audience were mesmerized. I seemed to see how bright my future would be, with a bright big Mercedes-Benz and a spacious house, all of which were just around the corner. , although I am currently penniless.

Next, the teacher gave us another lesson, about filial piety to parents. He said that it was not easy for parents to work hard, and everyone present shed tears. In the end, he got to the point, so your parents are so It's not easy. Shouldn't you buy an insurance policy for them? In order to provide your parents with something to depend on when they grow old and to provide your children with something to look after when they are young, shouldn't you buy an insurance for yourself? In order for your lover to have no worries, shouldn’t you buy an insurance policy for your lover? Our children are our hearts and minds, and buying an insurance policy for them is the best gift we can give them, a sure future! In this way, the whole family has bought it, so let’s say seven or eight copies! The premium for one insurance policy is as little as 10,000 yuan, and some policies are even more than 10,000 yuan, because they recommend the ones with the highest commissions and of course the highest prices.

With this set of marketing rhetoric, almost all the students present bought insurance, some for their parents, some for themselves, and some for their children. There is a sister I know who spent four dollars at once. 50,000 yuan was bought for myself, my wife and my children.

There are also people who haven’t bought it, like me, who don’t have any savings, but the conditions don’t allow me to buy it!

Don’t worry, there are still ways! I would like to ask if you have just entered the industry and are a local, how can you place orders in the first month? The leader has said that you should buy it yourself first. If you don’t place orders, you will be in vain for a month. And if you don’t trust yourself, how can you get others to trust you?

A little sister of ours at the same time was deceived by her sister-in-law into selling insurance, but she couldn't get a bill. When the 20-year-old girl didn't have any savings, her sister-in-law asked her to apply for a credit card, which cost her more than 9,000 yuan. I bought an insurance policy that covered everything except my nails and hair.

I just had some bad luck that month. When I was out for a walk, I met an old colleague. She said that she wanted to buy it for her girl and she was already optimistic about the product. I didn’t need to explain it (actually, I didn’t either). (I don’t know how to speak), just sign the order directly, and the result is the first order.

Being able to place an order so easily and it was a big one undoubtedly made me blindly confident and kept me going for a few more months. Therefore, I don’t know whether this order is lucky or unlucky for me. If not, I may have left this place long ago, but of course I am still very grateful to the former colleague who trusted me.

But the god of luck will not favor me every month, and I will never have a single job.

My recommenders and supervisors all taught me to list the names of familiar people you know in a notebook, and then go and talk to them about the company, yourself, and the product. , and also draw straw hat pictures for them.

The ideal is very full, but the reality is very skinny. I found my roommate who I had the best relationship with, and within half of talking to her, she changed the subject and talked about something else.

After telling the people around me for a long time, I gained nothing. Instead, I became the butt of their laughter. Whenever I said this, they would burst into laughter and said, "Oh, just eat, don't say it." You have insurance.” At this time, I could only stop talking about my insurance.

It is said to be providing protection for others, but is it really providing protection? It's obviously just for performance commissions, okay? Because we were only recommended to sell the most expensive product, which cost more than RMB 10,000 per copy. At that time, a former colleague wanted to inquire about a product worth more than RMB 5,000, but the supervisor refused to recommend it, saying that the commission was too small and the performance was too low.

Gradually, my psychology became a little distorted. I saw the messages on WeChat Moments not only not giving donations, but also forwarding them to Moments, and then attached a paragraph, which probably means, you saw it! This is what happens if you don't buy insurance.

At that time, I felt that if you didn’t buy insurance, you would be unfilial to your parents, irresponsible to your lover, and not loving your children enough. It seemed that if you didn’t buy insurance, you would be rebellious and unworthy of life. If you get seriously ill or have an accident, you deserve it. Let you not buy insurance...

After countless brainwashings, I gradually lost my conscience, encouraged others to overdraw their credit cards to buy insurance, and frantically used every opportunity to meet others to meet people I knew or didn't know. I know people who only want to sell insurance.

Once, a particularly disgusting old man in his fifties, with his clothes shiny and greasy, and his hair sticking up from all sides, said he wanted to know about insurance. I happily went to tell him about insurance. , since the insurance agent does not have a workplace, he either goes to your home or my home, or a restaurant on the street or something like that.

When I talked about insurance with this man, who was older than my dad, had oily hair that could cook, and weighed 2 pounds of dirt from his clothes, when we went to a restaurant to have dinner, everyone around us looked at him strangely. We still didn't understand it, so we went to the car to talk. I got into the back seat to get away from him. As a result, we talked about it from morning to afternoon, and then we still didn't close the deal. I think anyone can guess the reason. The greasy man didn't mean it. liquor.

After I went back that day, I felt very wronged, and suddenly I woke up. I reflected on myself, if I had found a serious class, would this situation still happen? I waste time every day and make myself sick.

This time, although this greasy man was disgusting, at least I got home safely. Next time, should I go to someone else’s house or my rental house?

I went to my supervisor the next day to tell him about this and my intention to resign. My supervisor asked me, what is the purpose of coming to work? I said it was to make money. , then did you make money? I said no, and he said that I have earned it. I earn 20,000 to 30,000 yuan a month. We are in the same company, but you haven’t earned it. It must be because your efforts are not enough. You have to pay. There is nothing, and you can get it without paying. Got.

Later, under his guidance, I bought dozens of boxes of mooncakes at my own expense (because it was almost the Mid-Autumn Festival), gave them away, and grabbed orders for other festivals to give to previous orphans (already Customers who placed orders before the resigned salesperson) gave various gifts. A month passed after giving gifts, and then there was no progress. In fact, if you often call people and the other party knows that they are from the insurance company, they will shy away and ask you to leave the gifts at the doorman. The possibility of secondary development is very small.

People spend money on food and clothing when they are away from home. These are expenses every day. These are not the most scary things. You can wear old clothes, eat with someone else’s food, or eat a steamed bun, which is not expensive. The most scary thing is It was the landlord. She was standing at the door chatting with a bunch of aunties about the shortcomings of the Zhang family and the Li family. When I arrived, she immediately stopped me from a distance and said, "Your rent is due, why haven't you paid it yet?" She was penniless. I could only ask her for two days of grace, and I said I would definitely give it to her for these two days, but I didn’t have any rice to cook with at night.

The passage of time made me more and more anxious. I knew that I had to find a new job, or else I would starve to death.

When I mentioned my resignation again, the supervisor was still brainwashing me with various words.

Ten thousand CNMs were rushing through my heart at that time. I was almost starving to death. What kind of chicken feather guarantee could I give to others? Besides, I’ve been giving it away for half a year, and no one needs it! The only person who signed the contract was me.

That’s how I left the company where I stayed for half a year. Although I didn’t have to work all the time in the past six months, it tortured me all the time. Every day I was worried about billing, performance, looking for potential customers, and being disliked by others. . Of course, I owed tens of thousands of foreign debts for this, because I only had bills for the first month, and there was no income after that, so I paid for all kinds of random gifts at my own expense.

After I left, I found a new job. I didn’t earn a monthly salary of tens of thousands every day, but I lived a very fulfilling life, and my mentality gradually returned to normal. I also paid back my debts every month. debt.

Before I went to this unit, I never would have imagined that I would not be able to make money while working, but would instead owe huge debts. But fortunately, after I left, many people were so brainwashed that they are still here. Persevere hard.

I know a colleague who, in order to be promoted to a supervisor, needs manpower, so he spends money to hire outsiders to pretend to be manpower. When it comes time to evaluate performance, he then spends money to protect others. In this way, in order to To support the huge expenses, he sold his house and car, his wife got divorced, and he was still dreaming of being a leader.

What is it like to work in an insurance company?

I am an old man who has worked in an insurance company for more than ten years. I have worked in both the head office and branch offices, from the frontline business department to the back-up administrative department, and now to the risk compliance department and many other positions. I have also experienced several insurance companies. I have personal experience in the work of insurance companies. I feel that I have a strong say. This is definitely a very good career. You can learn things, support your family, and see the beautiful scenery of the world. Doing meritorious deeds. The specific feelings and experiences are as follows: First, the salary tends to be fixed, and there is no need to worry about being owed wages

All the internal staff of the insurance company have signed labor contracts, and the salary is basically the basic salary plus performance pay. The basic salary is fixed. Performance pay is divided into three forms: monthly, quarterly, and annual. In most companies, performance pay generally accounts for 20-30% of the annual salary. Generally speaking, if the business is not achieved, at least you will receive basic salary, and performance compensation will be linked to the proportion of business achievement. Even if the performance cannot be achieved temporarily, you can still get a certain performance, and it will be calculated back annually. If you exceed the business goals, you will have better than the established basic performance. Annual performance is generally set by companies, with a minimum salary of 2 months, and a high There are also cases of 6-8 months. There is currently no illegal case of any insurance company not paying workers.

Second, there are a lot of five insurances and one fund, so you can feel at ease with your retirement home loan

The payment of the five insurances and one fund by insurance companies follows national laws and regulations, and is paid in accordance with the proportions stipulated by social security; the housing provident fund is basically Both the unit and the individual pay 12% of the annual salary respectively. Assuming that 2,000 is deducted from your salary, the unit will also help you pay 2,000. Therefore, in the future, it can be used for medical treatment, pension, and housing. Moreover, the mortgage loan and housing provident fund of longer-term employees will be enough, and there may even be excess. The third is training and travel opportunities to see the beautiful scenery of the world for free

Insurance companies will launch some business incentive programs every year and arrange free training and travel to other places. In particular, there will be more opportunities for front-line business than for mid-level support. Therefore, you can go to various regions for free to taste delicious food on the tip of your tongue, and you can also go together to see the beautiful scenery of the world, realizing your dream of traveling around the world. Fourth, there will be enough protection to live with a relaxed mind

When working in an insurance company, no matter whether you voluntarily or not, you will always buy a certain amount of insurance for yourself and your family, especially if you buy it voluntarily, it must be I compared various companies and carefully selected the most suitable protection insurance. Of course, those with money can also buy dividend-paying insurance and other types of insurance. When you have enough insurance, you will open your mind to You will be less concerned about life and death, you will be able to live a better life, and you will have fewer worries. Fifth, I have a stronger awareness of risks and focus on risk prevention.

Before joining an insurance company, I had no awareness of risks. I just muddle along every day, always feeling that risks would never happen to me. Only after I entered an insurance company did I learn what risk is, how to prevent and manage risks, and that God’s will is unpredictable. We face all kinds of risks at any time, so we know how to prepare for a rainy day, how to diversify risks, and how to consider life insurance when considering things. What risks may exist and how to reduce the probability of risk occurrence and losses. Sixth, promoting other people’s insurance is a good deed of great merit

Although I do not sell insurance or take insurance commissions, I have been promoting insurance and hope that everyone can choose insurance that suits their protection functions. Those with money can buy participating insurance. Many people think that insurance will not pay for this or that, and that insurance is a lie. In fact, insurance is really insurance. The insurance itself is not a lie. The insurance contract is clearly stated in black and white. Insurance with a term of more than one year It also gives you the hesitation period to regret at any time. The reason why insurance is not good is basically because some sales staff simply want to get commissions, do not sell in a standardized manner, conceal the insurance terms or exaggerate the insurance functions, causing the customer's expectations to be inconsistent with the compensation stipulated in the actual insurance terms. . In fact, insurance can really help people. It can help you keep a sum of money that you would otherwise spend casually. Insurance can compensate you when you have an insured accident, and it can pay you when you get a disease that meets the insurance terms. Your compensation can leave your care to your family after you are gone. Insurance can sometimes really save a person's life or a family. Therefore, I feel that my job is to do meritorious deeds and do great good deeds.

I am really proud to work in an insurance company. However, quite a few employees were very interested when they came, but were eventually eliminated within a few to three years. Why? Since everyone has different IQ, culture, cultivation, and learning, they are not professional in product learning and are not good at learning. They will not persist in learning for a while, study in a different way, know one thing but not two, and the product will not be able to be communicated with customers. Miscommunication is a big problem. A salesperson who doesn’t understand the product will definitely have a smattering of knowledge and can easily mislead customers. When making a claim, it will damage both the personal reputation and the company. That is, ordinary people’s simple thinking and nonsense people say: “Insurance is a scam.” "In fact, it is not the insurance that deceives people, but the salesperson's unprofessional misleading. I have been with the company for thirteen years, and no customer has ever said that I lied to them. They all believe that the insurance is real and effective. This is the benefit of commercial insurance.

Insurance companies are divided into two types: internal office and external office:

1. Internal office: The work is relatively fixed, and they receive a fixed basic salary + performance + five insurances and one housing fund + employee holiday benefits;

The back office is divided into the marketing line and the support line

The marketing line is mainly on the front line of marketing, such as individual insurance, bancassurance, and group insurance related channel positions. The marketing line has a greater relationship with performance. The pressure is relatively high, and the performance will be relatively good if the premium is good;

The support line is mainly engaged in service work, such as comprehensive administrative offices and operation positions. The work is relatively streamlined, the salary is relatively fixed, and the room for improvement is small. ;

2. Field work: Mainly positions that are not in the establishment, mainly adopt the agency system, will only purchase some group accident insurance, and do not have a fixed basic salary

General field work is mainly in the marketing field , such as personal insurance marketing field service: director, sales department manager, business director, salesperson and other ranks, with greater mobility, mainly linked to premiums, signing many orders, naturally high income, and above the director level, there are also team management benefits;

The other is the renewal position of the insurance company, which is mainly responsible for the recovery of policy premiums from customers for more than 2 years. It is somewhat similar to the premium collection position. The income is linked to the premium recovery rate. This position is generally not a formal contract employee of the insurance company. .

Generally speaking, the insurance industry is quite good at training people. With a learning attitude, you can continuously improve your network and achieve the experience you want.

I came to the insurance company after retiring at the age of 55. I was one of the last batch in the country to take the insurance agent qualification examination. I have been working in the industry for six years and two months and have sold a total of 762 policies. A total of 237 customers have been served, and 374 million yuan of protection has been provided to customers. It is still very meaningful and valuable work. He has been an outstanding agent nationwide for several years in a row.

The insurance industry is an industry that is both full of freedom and requires a high degree of self-discipline. You arrive at the company for a morning meeting at 8:30 every morning and it ends before 10:30, but the rest of the time is up to you. Yes, the time is very relaxed. I am not so eager for quick success and instant benefits in my insurance work. I am more serious about treating customers. Therefore, many strange customers have become good friends. I am more than two years old and suffering from malignant tumors. A small customer settled a claim of more than RMB 500,000. I feel particularly gratified to help this family. At the same time, because I am very self-disciplined and love to learn, I have become a national four-star lecturer and am often active in the city's branches, branches, and brother companies. There are different stages such as newcomer class, regular class, improvement class, title training class, sharing, production seminar, production seminar, etc. The biggest feeling and happiness is: you are beautiful when you work.

I have been working in the industry for more than six years, and no customer has ever complained about me. Because I am sincere, because I am sincere, because I am professional and dedicated, so I am not like some people on the Internet who complain about our insurance agents. Just tell the truth.

Therefore, I think we are doing very meaningful work to stabilize society and share the worries of the country and the government. We are the nobles of many people.

It feels good to work in an insurance company. I have been in the insurance industry for 16 years. I went from knowing nothing about the insurance company to now becoming an elite in the industry, a director of the Fortune Global 500, and a leader in the industry. A five-star lecturer, I have reached the pinnacle of the industry. In this industry, I have realized many dreams that I had never dreamed of before.

I always believe that people should be respected by others no matter what industry they are in. The positioning of the industry is different, and the values ??are also different. The most important principle is to be a good person and do things without violating one's own conscience. Don't steal, don't rob, don't cheat, don't cheat, and rely on your own efforts to let your family live a happy life.

I have gone through the most difficult times, being ridiculed and insulted by others. I am a child from a rural area with a junior high school education. It was insurance that changed my life and made me turn around.

Now with nearly 1,000 people in the district, we solve thousands of employment problems every year. While creating our own value, we also practice social value. I have participated in the Baozhang ceremony in the Great Hall of the People and stood on the The most glorious stage in the industry. Several of my business areas pay taxes worth millions every year. I support out-of-school children and lead a team to visit the elderly in nursing homes.

Every day, I work with my employees to promote the meaning and function of insurance to many people who don’t understand or agree with insurance. We are all a group of the kindest people with dreams. Our mission is to get ahead of the risks. Let more people have the protection of insurance before.

I like this industry very much. Although there are still many people who are resistant and skeptical, I have never thought of giving up this job.

I will continue to work in this industry until I grow old and use my Professionally take care of more families.

I hope everyone will have more respect for the insurance agents around them. Because they are the ones who want your family to be the happiest.

You can refuse insurance, but you cannot refuse risks.

First of all, equal pay for equal work. More personal time at your disposal. Social responsibility is great. Signing an insurance policy is a responsibility.

It is the experience of gathering all relatives and friends, buying insurance, knocking on strangers’ doors, and finally being kicked out.

Insurance is a highly self-disciplined industry. The more diligent and self-disciplined you are, the easier it will be, and it will be easy if you have resources. Others will have a certain amount of pressure. Many practitioners persist, believing that they can seize opportunities to achieve good development in the future development of China's insurance industry.

This industry is not suitable for everyone, and the market competition is fierce. This year may be the worst year in the past few years, and it may be the best year in the next few years! You choose your industry, and the industry chooses you. Meetings are held from 8:30 to 10:30 in the morning at work. The company has no special arrangements for other times and you can use them as you like. Self-management is an everlasting foundation of this industry.

A friend of mine works in insurance. The current insurance industry is very difficult. Although everyone’s awareness of buying insurance has increased, the life of insurance people is not easy at all. The routine is to keep recruiting people. They have said it themselves. They make money when they recruit a new person. New people have tasks and cannot get money for nothing. New people cannot attract customers, so they usually give it to their family members and parents in batches. My family all bought insurance first, and after these few orders, they can become regular. Then when there are not many customers, they start to persuade their relatives and friends to buy insurance. Then, when there are no more customers, they voluntarily leave their jobs. So you see the insurance company There will always be a shortage of people and a constant recruitment of people. It is for this reason that my friend finally resigned without even being able to earn his own living expenses.