The insurance company hired a team.

Beware of Ping An Insurance Recruitment Trap! !

Beware of Ping An Insurance Recruitment Trap! !

At present, the talent market is booming, and the recruitment units are mixed. Some of them are pure fraud companies and have no junior college graduates, which seriously pollutes the environment of * *, and the relevant departments are also seriously irresponsible, allowing their scammers to flood the talent market. Here, I personally expose the long-standing phenomenon of recruitment fraud in Yancheng talent market, hoping that the relevant departments can crack down severely, provide a fresh environment for job seekers and maintain Yancheng's good image.

Ping An Insurance pulls business under the guise of recruiting people.

When it comes to the talent market, the most striking thing is the recruitment notice of insurance companies. Among them, there are as many as seven or eight jobs in an insurance company. Recruitment positions include customer service staff, reserve cadres, personnel assistants, senior secretaries, administrative personnel, financial consultants, sales backstage, insurance management team, etc. When they found this information, they immediately transferred this position, sales elite and other different positions. Each position recruits dozens of people, and the monthly salary 1000 yuan to 4000 yuan. Some of these posts, such as grass-roots management cadres and reserve cadres, have special descriptions. We warmly welcome fresh graduates to apply for jobs and training programs for fresh graduates. ...

Insiders told me that in fact, many jobs do not exist, and they are all recruiting insurance business personnel, just changing their names first to deceive people. Some job postings even changed the name of the insurance company and turned it into a joint-stock company, and its industries were finance and insurance.

The position of reserve cadres is the most puzzling. Many recent college graduates think that this is because insurance companies are recruiting backstage personnel and there is no need to run insurance. In fact, these recruiters are all people who ask the management team to adjust this position immediately when they find this information, while the insurance company only asks the management team to adjust this position contract immediately when they find this information, and there is no labor contract. The employees of insurance companies are called back office, and the human resources department of insurance companies is responsible for recruitment.

The trap of interview

Recruitment also has a set of industry terms. If you take the initiative to call, say there is a job fair this week. Come and have a look first. It's not clear on the phone. If you find your resume online, you will say, I am the human resources department of an insurance company. I read your resume and think you are qualified for one of our positions (we must say administrative positions such as reserve cadres and secretaries, not salesmen). We invite you for an interview.

The author made a phone call, and the other party said that there would be a job fair that afternoon, and we will talk about it when we arrive. I sent a short message, "Hello, I received your resume online. Please come to my company for an interview in the afternoon and find a supervisor's address ... "I casually asked about my work experience. Recruiters arrange for candidates to attend lectures. There are hundreds of people sitting in a big classroom. Many immature faces seem to be just graduated college students. A self-proclaimed director talked cadently about the bright future of the insurance industry-"no money, no purchase."

Interview is also a routine.

Why do you want to do this job? Do you have any relevant experience ... The question is the same for everyone. Recruiters have repeatedly claimed that they do not recruit salesmen, but only reserve cadres and other administrative personnel, but every position should start from the grassroots level. During the three-month internship period, you must get insurance to become a full member, and you can't do business without a basic salary.

The trap of self-protection

Enter the pre-service category, the new category ... and then go to work, and another routine trap awaits you.

"Congratulations, you have been admitted to the insurance. When the management team finds this information, ask them to transfer this postcard immediately. You graduated. "

"Our company treats newcomers very well. As long as you become a full member, you can enjoy ... "

"You are not a formal employee of the company. How can we provide management training and XX training for you? You must turn positive. "

"The company's promotion month is coming to an end. You see that everyone else has become a full member. How do you ... you don't want to fall behind? "

"If you want to protect yourself (buy insurance for yourself), buy it first and then refund it, and you will lose very little money. And it's easy to earn back later ... "

"I just said, how can you be serious? Don't regret. "

"The rate is this price/performance ratio, the hesitation period is XX, and one year later it is XX."

"Congratulations on your confirmation. The next position is account manager. You should start forming your own team. You have to have two formal team members to complete the performance of XX before you can become the account director ... "

According to insiders, after you become a full-time employee, you will find that there are almost no so-called benefits, and the training that you have participated in before is still the same.

Self-insurance can become a regular employee, but to be promoted to account manager, you need to get an insurance policy with a commission of 3200 yuan. Many people were eliminated after three months without business. With a loss of 4300 yuan, it took more than three months, and you became a stepping stone for others.

A person who is an account manager starts his recruitment plan, advertises for jobs, and is the cheapest and most cost-effective online. He can maintain or promote his position and protect himself by recruiting new people.

In the insurance industry, crowd tactics are often used. Whoever can recruit people will be awesome. As long as the newcomers protect themselves, there will be many insurance policies. Such people are also very popular. Other insurance companies will dig you up, and the people you bring are your capital.

"30% commission can reach a monthly salary of several thousand yuan in a few months. The more people are recruited, the higher the position and the higher the salary. So-and-so can reach hundreds of thousands or even millions of wages in just a few years ... "This kind of publicity has attracted many students who have just left school.

The insurance industry has fallen into a strange circle of pyramid schemes, constantly recruiting new people, eliminating new people, recruiting new people and eliminating new people, and relying on people to protect themselves to achieve performance.

"The current marketing model of insurance has a certain blood relationship with pyramid schemes." Director Wang of Jiangsu Branch Office of an insurance company said that at present, all domestic insurance companies implement the system of asking the management team to transfer their posts immediately after discovering this information, and there is no basic salary. Only a few foreign companies implement the employee system with a basic salary.

Please transfer this information as soon as the management team finds it. This posting system is the primary stage of the development of the insurance industry. Please transfer this information as soon as the management team finds it. There are two ways to promote this person. One is to specialize in business and get promoted through the increase of commission. The other is to do business and organize teams. The jargon in the industry is to increase the number of employees and achieve business growth by constantly expanding the team.

Director Wang said that because it is related to pyramid schemes, in order to avoid the same problems as pyramid schemes, insurance companies have made special provisions on the assessment of requiring management teams to transfer this information immediately. For example, the account manager's policy renewal rate cannot be lower than 80%, and the business director's policy renewal rate cannot be lower than 70%.

The author understands that in fact this provision has not been strictly enforced. Many companies only look at performance, not renewal rate. Many employees leave in less than a year, and the renewal rate is not guaranteed. Many achievements are self-protection by newcomers, and it is impossible to renew the contract. In the insurance industry, few people can pull strange orders, and most people pull them through relatives and friends.

Director Wang admitted that the management team should pass on this information immediately. This post system is suitable for people who have a certain relationship, not for college students who have just graduated. At present, please ask the management team to transfer this information immediately. This position is very mobile, and only 14% people can stick to it.

In terms of increasing the number of employees, insurance companies have restrictions. When this information is discovered, the management team is required to immediately transfer this position. Please ask the management team to transfer this post as soon as they find this information. I want to sign a letter of commitment, and the external recruitment (recruitment) will be carried out in the name of the business area or each marketing department, not in the name of the human resources department and other functional departments. The job description in the recruitment notice shall not contain the words "customer service staff, secretary, group training, lecturer, trainer, personnel specialist" and other professional backstage positions, and shall not contain any information that is inconsistent with the reality, such as "belonging to the backstage establishment of the company and enjoying the treatment of formal employees". In principle, there is no information description of the basic salary of each recruitment position (except the rookie plan) or inconsistent with the actual salary. After the online recruitment notice is released, the insurance company shall review the recruitment notice.

Although there are strict regulations, Director Wang admitted that "please ask the management team to get this information immediately, and there may be irregularities in this poster recruitment". She showed a notice decision to the reporter, and two management teams of the company asked the management team to transfer this information immediately. This poster was recruited on a website in May and was punished for being complained.

Both the pre-job class and the new class passed smoothly, and Tamia Liu, a recent college graduate, became the only employee in the new class who opened a stranger's bill (got the insurance policy from a stranger). In the meantime, many students have opened self-insurance policies (buying insurance for themselves), and the premium for a newcomer to formal work needs 8500 yuan.

Tamia Liu was surprised that he spent so much money just to become a regular employee, and his supervisor always proposed to make him a regular employee through self-protection, intentionally or unintentionally. The director calculated an account for him, spent 8,500 yuan to protect himself, and got 2,400 yuan as commission, plus 1.200 yuan basic salary. 10 days later, he surrendered his insurance and returned to 600 yuan, where he can get back 4,200 yuan and only pay 4,300 yuan, and then he can become a full member. After becoming a full member, you can get more insurance policies and commissions to earn money back.

If you want to get more commission, you should recruit more people and persuade them to protect themselves. By constantly recruiting new people and protecting yourself, you can solve your task of pulling insurance policies. If you can get five or six people in a month and let them protect themselves, the account director can get five or six thousand without going out to run business.

How is insurance the same as pyramid selling? Is to pull people's heads and let them protect themselves. Tamia Liu began to have doubts about his work.

Previously, Tamia Liu thought that his experience would be of great help to college students' employment. One of his teachers also invited him to the school to hold a symposium on employment for new students.

"College students are not suitable for insurance business." Tamia Liu said.

The relevant person in charge of Jiangsu Insurance Regulatory Bureau told the author that the Insurance Regulatory Bureau resolutely opposed the insurance requirement that the management team immediately retrieve this information and mislead employees with false recruitment notices. According to the regulations, insurance companies are not allowed to purchase products as a condition for becoming insurance salesmen.

"I say this because I decided to leave this industry. When I learned the rules of the game in this industry, I couldn't walk any further. Because I know that every step I take will be at the expense of my conscience ... "Tamia Liu said.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.