Have you ever been insured by a friend or colleague? What happened in the end?

A friend of mine was relieved, and then called me to do her a favor and go to a lot of lectures. I couldn't refuse, so I went.

Visiting their office building gave me the illusion of entering the MLM venue. There are many people. A large multimedia office is full. As soon as you enter, someone will ask you who introduced you, then let you download and register a software, and then do different levels of questions according to your education.

After that, an elder sister in her forties went to give a lecture. At first, she was miserable. The housewife had no income and her family was facing changes. Later, she joined Ping An for four or five years, realizing financial freedom, and the family often traveled. Popular point is her family history in Ping 'an, and the people present are full of blood. To tell you the truth, I'm a little touched, too.

After that, I hope you can join the company and put on a show. There are several booths similar to expert consultation for you to consult, test whether you are suitable according to your personality and hobbies, and then fill out various forms. In fact, you can go in as long as you like, just to create a more formal and professional illusion for you.

After filling out the form, you will be asked to get a gift. It is said that it was introduced to your friend and bought out of his own pocket.

Finally, someone like the director will talk to you about how good the safety and welfare are. If you do a part-time job, you only need to sign in in the morning, there is no performance appraisal, and there is a guaranteed salary 1500 2000. Who is not tempted?

After that, I consulted an elder sister who worked in Ping 'an for 15 years, and she told me never to listen to them and never to into the pit.

And then it was gone.

After that, I will refuse any such thing.

The routine of peace is that friends bring in friends, relatives bring in relatives, and a certain number of people can be promoted.

The above is my personal experience. Don't spray if you are offended. Thank you.

My cousin dragged me to sell insurance, which almost turned into buying insurance. She said she could get 1000 a month and go to a meeting for two hours every morning without any performance. She can also take care of the children, so I'll go. (Later, I learned that she introduced someone and got paid several hundred dollars. )

Those who don't have a certificate must first take the insurance qualification certificate. Those classes are full of fog, but there is a particularly clear feeling that insurance companies have 10 thousand reasons to refuse to pay compensation.

Every morning meeting is very happy, and the leaders generously reward outstanding employees. Hundreds of cash-filled red envelopes's eyes are red. All the staff danced for the money, grabbing at it left and right, like crazy, as if they really put the money in their pockets.

After the certificate came down, the manager said that if you want to make money, you still have to pay the bill. After talking about several key types of insurance, let's start with relatives and friends. I haven't figured out the key insurance myself. Don't worry about what the manager said, just tell the customer as I said.

But he only talked about the benefits of insurance. If something goes wrong, how much can he pay? The exemption clause is not stated, and in many cases it is not compensated. How many times can the dividend insurance income be doubled? Not that this income is not fixed. If calculated according to the minimum income written in the contract, it is actually not much.

The manager said that we don't know about the critical illness insurance and medical insurance, so let's push the dividend insurance. He also taught us to draw cakes for customers according to the highest income, but what was really written into the contract was the guaranteed income, which was several times different. It was a bit like cheating, so I didn't sell it to anyone else. A month is coming, the manager said, then buy one yourself! It's always good to have security, and you can get a commission.

I'm here to work to make money, and I have to pay insurance first? I'm not that badly brainwashed. The manager asked me to introduce my work to my relatives and friends, saying that it was paid. In case I didn't make any money after the introduction, I spent money first, and it was all my fault, so I didn't introduce it. A month later, I left my job.

So many people say that they have been cheated by insurance companies, and most of them have been cheated by insurance brokers. Some really don't understand, just listen to what the company says and tell customers what to say. Some are well aware, but in order to make money, they selectively hide it.

When buying insurance, you must understand the insurance clauses in the contract, which is also the core of the insurance contract and is related to future claims. Whether it is income, protection or exemption clauses, the insurance clauses will be clearly written. Don't listen to a few words from the insurance broker, and you will be insured in a muddle.

In the case of limited budget, buy the security type first and then consider the financial management type. Don't trust insurance brokers who let you buy dividend insurance when you come up.

I have no experience of being involved in insurance because I have my own stable job.

But here, I want to talk about how I am insured.

I once had an old classmate who kept friendship for many years. She has been engaged in insurance for more than 20 years. She is very inspirational and her performance is good. She is the absolute overlord of the local insurance marketing industry.

One year, this classmate called me and said that there was an insurance training. Just listen to the number to buy or not.

I went to listen. It introduced a three-year annuity insurance. At that time, I happened to have some spare money at hand, so I decided to give my classmates a venue to buy one.

However, my financial strength is limited, and I can only choose to pay 20,000 yuan a year for three years. I told her again and again that I could only come up with 60 thousand, not more.

My classmate agreed. The formalities were completed step by step, and the insurance policy was delivered soon. I looked through it, but I couldn't see anything, so I left it.

Normal deduction in the first two years. In the third year, when I was about to deduct points, I met my classmate because of other things. She said that it is just right to download an App for your mobile phone, so you can check your insurance products.

Then I looked it up on this mobile phone software and was surprised to find that the annuity insurance I bought was five years.

Call my classmate at once and ask her what's going on.

At this time, my classmate changed the image of a shrewd insurance marketing expert and became a passerby, completely unable to understand what I said. First, she said that she would check the training courseware of that year to see if the training was 3 years or 5 years; I also swear that this annuity insurance is only 5 years 10 years, and there is no 3-year term, which is my fault.

I am speechless. I know in my heart that I was beaten by my classmates.

Then go to the insurance business hall to consult how much you can redeem when you surrender, and the result is terrible.

Half a month later, I remembered that I was really angry. I called my classmates again. This time, my classmate played the role of a good manager who worked hard to serve customers. First, she expressed her superiority that she was busy attending the annual insurance meeting in other places. After listening to me repeat the previous situation, I woke up at once, and then I said sadly that I should come back from other places immediately and talk about it in my home with the insurance policy.

I really think she can toss and turn. Are you tired? It's such a simple thing. I asked for three years, and you gave me five. The reason may be to get more performance, or just make a mistake.

It's nothing. Things have happened, and there is no point in pursuing them.

The point is, is it so difficult for you to apologize to your customers realistically? !

I won't talk about what happened after that. I'm still paying this annuity insurance, but I won't buy any more insurance because I really can't afford it.

Hello! I'm Christina. It's the business consulting teacher who helps you solve your doubts.

I can answer your questions and tell you how to deal with this situation with my personal experience. thank you

It was March 20 12. I'm in the middle of the project and have nothing to do. I was going to find a new company to work at that time. I remember that on Zhitong Talent Network and Zhuo Bo Online, I found that an insurance company was looking for an assistant director because they didn't understand the job. Just call a friend around you. One is the boss of the consulting industry. He said it was false. Just recruiting an insurance agent, to put it bluntly, a salesman. Based on this, I believe. After all, he is a colleague, has insurance friends and knows more than me. In order to understand the situation of this position more clearly. Call an insurance agent supervisor (post-promotion manager) whom I haven't contacted for a long time. His surname is Zhang, and he works in No.75 Department, Pingan Dongguan, China. How about this position?

She didn't say what it was. Just to tell you, if you want to know what the situation is, you can go to a senior insurance company to study without spending your money. Just looking, it will be clearer after learning. This is curiosity kills the cat. So, I came in to study in a daze and handed in a copy of my ID card and other materials. According to the arrangement, I attended the training in Ping 'an Building, Chengnan District on March 12. I remember those training teachers at that time denied that what you had learned before was rubbish, and you had to learn with an empty cup. Later, after thinking about it, I realized that this is how these guys brainwashed, either playing sad cards or playing face cards. In short, they will become millionaires and multimillionaires, and even describe the car they bought with a loan as a whole car. In an inappropriate way, the most dishonest and shameless thing in this society is insurance. After going deep into the interior, it was found that the insurance agent advertised himself as the boss and said that he was starting his own business. At that time, he worked as a salesman and got the agency certificate. In insurance companies, the most important thing is to compliment each other, followed by pretending. Originally, I was down and out, borrowing money to live, pretending to be rich, and pulling people and insurance policies everywhere. Since I joined the insurance company, I have to pay the bill. I didn't intend to pay the bill, so others hung the bill on my head to prevent me from falling. Considering that I really have no money, they said, you can work part-time! At this time, I entered a leather factory as an assistant to the general manager, responsible for the module of personnel administration. I made money and lied to you. This company is very strict and must work full time. In this way, I gave up completely until February 20 13. The reason is that many salesmen don't even know the terms of the policy, so they go to fool customers into buying insurance. The most common phrase they use to sell insurance is: small money for big money. Risks are everywhere. As long as there is risk, it will greatly amplify the risk. Buying insurance makes you feel safe. Therefore, if you want to break this game, there is only one move. If you don't trust them, you won't spread the eagle when you see the rabbit, and they can't do anything about you. People who do insurance, if they have no conscience, will turn their faces and become one of hundreds of millions of people.

It was in 2006, and an acquaintance in a community asked me to apply for insurance. I was laid off for two years, so I asked him if he was paid. He said: 600 yuan guarantees the bottom of the first three months, and then it depends on your performance!

I think so, too. Idle is idle! He said he would go to Jingzhou for class next week, eat and drink! I was at a loss at that time, because many MLM people heard that they often attended classes! ) I have butterflies in my stomach and say I want to think about it! Ask why you want to go to class in the city, and the county can! He was also very sensitive at that time, saying: at that time, beginners would have to suspend classes! Otherwise, you don't know how to sell insurance at all. It's definitely not a pyramid scheme!

As soon as this was said, I refused at that time. I said thank you, no need! There are other things to do. I don't have the ability to sell insurance. I see insurance sellers: handing out leaflets and visiting! I'm not lying!

Think about the background at that time, news reports about pyramid schemes were flying all over the sky. A son in our community is a salesman, but he was tricked into going to Guangdong for pyramid schemes and closed the house. He calls home every day for money, but he still doesn't have enough to eat. I went there myself and somehow got it back! I'm scared to think of it!

But I bought insurance on 1994, children, pension! Add it all up 12 yuan!

Dong Mingzhu's previous video said insurance: smallpox is chaotic when buying insurance! It's hard to find someone if something goes wrong!

Experience, life insurance!

Don't tell me, I really experienced it once! I was dragged to an insurance lecture by my classmates. Looking back now, isn't that the same as pyramid selling? Take classes, apply for insurance and recruit people. That's great.

That was 1996, my second year of work. At that time, I was still living in a single dormitory. On Saturday, I had nothing to do after a short rest. At five o'clock in the morning, my classmates woke me up and said that I would go to the provincial capital to play. There is no need to take the train directly. It's convenient. I'll be back at night. There is nothing to think about. Let's play together. So I went by bus with him. When I looked outside, it was a minibus, and many people were already sitting inside. Soon I got on the bus and set off. I stopped and stopped. Finally, I picked up a few people in the city, and finally I loaded a car. About 20 people arrived in the provincial capital in two and a half hours. At about 8 o'clock, we arrived at a building and got off. Our classmates led us to the building, turned left and right and came to the conference room in Li Ge, which was full of chairs and sat a lot. Later, I went out to play, but I went in and listened to a free lunch at noon all morning, and then I came back in the afternoon. I am very excited. There are people interacting with each other all the time. They go up to give a speech and tell me how to make money. Until half past three in the afternoon, I was basically in a daze and didn't listen to anything. Seeing them perform, I smiled again. Back in the car, a car full of people spoke one by one. It's ridiculous to think about it. They talked to me about it. I shirked my sleepiness and ignored them. Until the destination, they performed happily all the way, and I basically slept.

This classmate resigned a year later and took out insurance. He also asked me to help him make up the performance and bought an insurance policy. I have to, but I haven't returned it yet! It will take another year. Later, this person also ran around and did everything, and finally failed to engage in small business. Recently, I heard that he is engaged in insurance again and often advertises in his circle of friends. I haven't seen it, and I won't buy it again. Goodbye!

When I first came to Changzhou, I was anxious to find a job because my life was uncertain. On the 58 th, I saw that I needed after-sales service personnel in my life. I thought I had been selling for many years and I could deal with people, so I applied! After a week of training, many seemingly successful insurance managers shared their successful experiences and current income. The people present were full of passion, and the more they tried, the more they felt that they had found the road to success. After the training, they divided the area. On the first day of work, everyone paid a deposit of 500 yuan, and then they were formally grouped. Each group trained themselves and began to tell us about the products, how good and perfect they were. Originally, they didn't do any after-sales service, but they didn't charge for running for one month. Teach us to kill, push, sweep, visit, etc. I really can't buy an insurance for my family first, and I can also get a commission for my job, so that my family can also use this seemingly perfect insurance! A little girl and I offered to resign on the spot. We are here to provide after-sales service, not to sell insurance. We were told that we could resign, but the deposit was non-refundable. We have to apply for a refund at the designated place! I'll leave first to find my next job, and I'll ask them for a refund during the break. The last time I went, either I was in charge or the leaders didn't approve, and all kinds of rhetoric dragged on for more than three months. The last time I went, I said I didn't apply for resignation and I had to wait for another three months. I was angry and pointed at that woman. Later, their leader came and promised to give it back to me, but I still have to wait for a few days. I said in a few days.

Therefore, insurance companies recruit people all the year round, and many people don't want a deposit because of trouble. Then, in fact, they recruit customers. In order to become a full-time employee, you buy it for your family or yourself. When you can't leave your job in the future, they recruit people again, which is equivalent to selling the policy successfully! Therefore, friends who are looking for a job and are interested in insurance companies must seriously consider it! I just share my personal experience with you, hoping to help you!

Hello! I am a smiling white sister!

Before doing it, the insurance company gave me the impression that it was a very high and large financial institution. Everyone is dressed professionally, which I admire very much.

Because the job is a bit short-term, it used to be an industry where friends from the same industry asked if they wanted to work, travel and earn money. Very relaxed, but also exercise people!

So I stepped into an insurance company, became an insurer, put on professional clothes and started a new career. From all kinds of training to clinching a deal, the first order is my strange customer.

Because I am ashamed to talk about it and don't fully understand the true meaning of insurance, I don't know whether the development team is right or wrong at present, so I can only complete the performance by myself. The company has a product that is very beneficial to car owners, so I began to live in a high-end crowd and look for customers at the venue in China International Import Expo(CIIE). That feeling is called looking for a needle in a haystack. Occasionally it rains heavily near the shoe city. A stall owner saw that I was soaked, let me take shelter from the rain, talked a lot over tea, and was honored to add WeChat, because I had a common language with my previous industry! Later, this customer really drove to the insurance company to understand the signing! I'm really happy!

Later, I was more courageous! I went to the pharmaceutical factory to meet General Manager Shi, who turned out to be the director of Huadu's Transportation Bureau and General Manager Xu, who is in the steel business! ..... all started from sincerity and met many excellent customers.

I have been working tirelessly for eight months to transfer my children. I quit!

Although I haven't been in the insurance company for a long time, this is a real training platform, which can let you know some financial knowledge, know how to communicate and how to play your potential! Made many excellent friends. No regrets.

My understanding of insurance is that we must rationally control our own health wealth, which is also a compulsory storage and a necessary means to avoid future risks in advance. Don't be vague and cause worry, thinking that it should protect you!

Welcome to pay attention, I am Sister Bai! A professional woman!

On 20 10, my friend recommended me to sell insurance in Ping 'an. I bought insurance for myself after I joined the company and spent more than 2000 yuan. The company gave me 600 yuan's commission. Actually, the insurance I bought was less than 2000 yuan. Then he resigned and paid insurance for two years, which cost about 5000 yuan. 20 1 1, ovarian cyst was operated, and the cost of treatment for 28 days was almost 14000 yuan. After reporting to the insurance company, it is classified as a major disease and the insurance contract is terminated.

I have a short experience in insurance. More than ten years ago, an insurer in a neighboring village somehow got to know my husband and began to come to my house frequently.

At first, he brought gifts to tell us about the benefits of insurance, because at that time, everyone generally resisted insurance. He talked several times, but we were not interested.

Later, he changed his strategy and began to mobilize us to join the insurance company. He never tires of talking about the advantages of this job: guaranteed salary, high commission, free working hours and so on.

So the husband moved his heart. My husband had something to do himself, so he advised me to let me into the insurance company. I didn't experience the hardships of life at that time, and my personality was particularly introverted. How can I do such a job? But my husband insisted that I try.

On a sunny morning, the insurance salesman and I went to the insurance company more than 0 kilometers away from home 10 to report the case.

This is the morning meeting of the company. It's too noisy. Are there many people doing insurance? A hall is crowded with people. Some leaders speak first, sum up the past and look forward to the future.

Then some grass-roots salesmen came on stage to share their work experience, last month's income and places they have been because of their outstanding performance. They are like "chicken blood", emotional and high-spirited.

In this way, I became a salesman of the insurance company.

Go to the company to sign up for the morning meeting every morning, and then everyone goes their separate ways to find their own goals.

Poor me, racking my brains, I can't remember who to look for. I can't go to my sister. Everyone says that insurance salesmen are "cooked" first. I don't want to do this.

After thinking for a few days, I thought of a friend of my husband's, so I pestered him to accompany me. I refuse to go alone.

When I arrived at my friend's house, I said hello to him, sat down and drank water for a long time. Then I got up the courage to say that I would go to the insurance company now and ask them if they were interested in buying insurance. I can recommend several kinds of insurance.

Friends and couples said with a smile, the economy is not comfortable at the moment, and there is no idea of buying insurance for the time being. So I didn't mention it again. I was a little embarrassed to sit for a few more minutes and then left.

After sitting at home for a few days, the salesman who took me into the company said, otherwise, you can buy insurance yourself, which is also a guarantee for your life, and you can also take your salary as your performance.

I bought an insurance for myself with 2000 yuan, and the first month barely passed.

Next, the work can no longer be carried out. I want to think about it. I'm sorry to find anyone. My character is that "I would rather die standing than live on my knees". I won't please people and I won't die.

The next month, I gave up this job completely and stopped reporting to the company.

In the third month, I discussed with my husband, withdrew the insurance and got back one-third of the money.

This is my experience in insurance. There is no denying that many people have done a good job in insurance, and I can only express my sincere admiration. I really don't have this ability.