Do insurance companies in the job market really want people?

Beware of Ping An Insurance recruitment traps! !

Beware of Ping An Insurance recruitment traps! !

At present, the talent market is booming, but the recruitment units are mixed, and some are pure scam companies that specialize in recruiting inexperienced college graduates, seriously polluting the working environment, and the relevant departments are also seriously The country is irresponsible and allows its scammers to flourish in the talent market. Here, I expose the long-standing recruitment scam in Yancheng's talent market through personal experience. I hope that the relevant departments can crack down severely, provide a fresh environment for job seekers, and maintain the good image of Yancheng.

Ping An Insurance is promoting business under the guise of hiring people

When it comes to the talent market, the most eye-catching thing is the recruitment notices of insurance companies. Among them, one insurance company is recruiting as many as seven people. Eight, the recruitment positions include customer service staff, reserve cadres, human resources assistants, senior secretarial staff, administrative staff, financial consultants, sales back office, insurance management team. If the management team finds this information, please transfer this post immediately, sales elites and other different positions. Recruitment for each position There are dozens of people, with monthly salaries ranging from 1,000 yuan to 4,000 yuan. Some of the positions, such as grassroots management cadres, reserve cadres and other positions, have special instructions. Fresh graduates are warmly welcome to apply and fresh graduates training programs...

Insiders told the author that in fact many positions do not exist , all of which are recruiting insurance business personnel, but first change the name to deceive people. In some recruitment notices, the name of the insurance company has even been changed to a certain joint-stock company, and the industry is still finance or insurance.

The position of reserve cadre is the most confusing. Many fresh college graduates think that this is an insurance company recruiting internal staff, and there is no need to apply for insurance. In fact, these recruiters are all insurance companies, and insurance companies only have contracts, and there is no labor contract. The employees of insurance companies are called back-office employees, and the human resources department of the insurance company is responsible for recruiting them.

Interview Traps

Recruitment also has a set of industry terms. If you take the initiative to call, just say that there is a job fair this week. Come and take a look first. I can’t tell clearly; if I find your resume online, I will say, I am the human resources department of a certain insurance company. I saw your resume and I think you are qualified for one of our positions (be sure to say reserve cadre, reserve cadre, (Secretarial and other administrative positions, not talking about salesperson), we invite you to come 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 would talk about it later. And sent a text message, "Hello, I received your resume online. Please come to our company for an interview with a certain supervisor in the afternoon. The address..." After casually asking about work experience, the recruiter arranged for the applicant to attend a lecture. There were hundreds of people sitting in the large classroom, and many of the young faces looked like freshly graduated college students. A man who claimed to be a director spoke in a cadence about the glorious prospects of the insurance industry - "No capital required, no need to purchase goods, no product backlog. There is no cultural level or work experience requirement, but it is an industry where you can make a lot of money."

The interview is also a routine

Why do you want to do this job? Do you have relevant experience... The questions are the same for everyone. The recruiter repeatedly claims that they do not When recruiting salespeople, we only recruit administrative staff such as reserve cadres, but each position must start from the grassroots level. During the three-month internship period, you must obtain a policy during the internship period before you can become a regular employee. If you fail to obtain business, you will not receive a basic salary.

The Trap of Self-Preservation

Enter the pre-vocational class, the freshman class...and then on the job, another routine trap is waiting for you.

"Congratulations, you are admitted to the insurance. Please ask the management team to transfer this post immediately if you find this information. You have graduated."

"Our company treats newcomers very well. As long as you become a regular employee, you can enjoy it..."

"How will we carry out the management training and ×× training for you when you are not a formal employee of the company? You must become a regular employee."

"The company's promotion month is almost over, and you see that everyone else has become a full-time employee. What's wrong with you...don't you want to fall behind?"

"How about self-insurance (buy insurance for yourself) Well, if you buy it first and then quit, you will lose very little money, and it will be easy to make it back in the future..."

"I just said it, why did you come here seriously? ”

“The rate is reasonable. The withdrawal during the hesitation period is ×××, and after one year it is ×××.”

“Congratulations on becoming a regular employee. Your next position will be as a customer.” Manager, you need to start building your own team. You need to have two formal team members and complete ×× performance before you can become an account director..."

Industry insiders say, waiting for you After becoming a regular employee, you will find that there are almost no so-called benefits, and the training is just the same training you have participated in before, and it is still the same old thing.

You can become a regular employee by relying on self-insurance, but to be promoted to account manager, you need to get an insurance policy with a commission of 3,200 yuan. Many people are eliminated if they have no business for three consecutive months. With a loss of 4,300 yuan and more than three months, you became a stepping stone for others.

The person who became an account manager started his recruitment plan and put out recruitment advertisements. It is the cheapest and most cost-effective way to recruit new people to maintain or promote his position.

In the insurance industry, the crowd tactic is often used. Whoever can recruit people will be the best. Just letting new people insure themselves will have many insurance policies. Such people are also very popular, and other insurance companies will poach you. In the past, the people you brought were your capital.

“With a 30% commission, a monthly salary of several thousand yuan can be reached in a few months. The more people you recruit, the higher the position and the higher the salary. In just a few years, someone’s salary can reach hundreds of thousands. Even millions of dollars in salary..." Such publicity attracted many students who were just leaving school.

The insurance industry has fallen into the vicious circle of pyramid schemes. It constantly recruits new people, eliminates them, recruits new people, and eliminates them again. It achieves performance by recruiting people to protect itself.

“The current marketing model of insurance has a certain blood relationship with MLM.” Director Wang of the Jiangsu branch office of an insurance company said that currently domestic insurance companies ask the management team to immediately transfer this post if they find this information. system, without a basic salary. Only a few foreign companies implement an employee system with a basic salary.

If the management team finds this information, please transfer this post immediately. This system is in the initial stage of the development of the insurance industry. If the management team finds this information, please transfer this post immediately. There are two ways for people to be promoted. One is to specialize in business. Promotion through the growth of commissions; the other method is to do both business and organize a team, which is called staff increase in industry terminology, and achieve business growth by continuously expanding the team.

Director Wang said that because of the blood relationship with MLM, in order to avoid the same problems as MLM, the insurance company has specially stipulated the assessment for the promotion of the person who asked the management team to immediately transfer the post after discovering this information. For example, the customer The policy renewal rate of the manager shall not be less than 80%, and the policy renewal rate of the business director shall not be less than 70%.

The author learned that, in fact, this regulation is not strictly enforced. Many companies only look at performance and not renewal rates. Many employees leave after less than one year of employment, and there is no guarantee of renewal. Contract rate, many performance are self-insured by newcomers and cannot be renewed at all. In the insurance industry, there are very few people who can get orders from strangers. Most people get orders through relatives and friends.

Director Wang admitted that if the management team finds this information, please transfer it immediately. This post is suitable for people with certain political connections, and is not suitable for newly graduated college students. At present, the management team is requested to transfer this information immediately if they find this information. The turnover of people is very high, and only 14% of the people can persist.

In terms of adding employees, the insurance company has restrictions on people who ask the management team to immediately transfer this post when they discover this information. People who ask the management team to immediately transfer this post when they find out this information must sign a letter of commitment and recruit external personnel (increase employees). ), are all conducted in the name of the business area or each marketing department, and not in the name of functional departments such as the Human Resources Department. The description of the position in the recruitment notice shall not contain words such as "customer service staff, secretarial staff, group training, lecturer, training staff, personnel specialist" and other professional back-office positions, and shall not contain words such as "belonging to the company's back-office establishment and enjoying the treatment of regular employees" that are inconsistent with the actual situation. Related information. In principle, each recruitment position will not have a base salary of ××× yuan (except for the rookie plan), or information descriptions that are inconsistent with the actual salary. After the online recruitment notice is published, the insurance company must review the recruitment notice.

Although there are strict regulations, Director Wang admitted, "Please ask the management team to transfer this information immediately if they find this information, and recruitment of people who post this may cause violations." She showed reporters a notification decision. The company The two people who asked the management team to find this information immediately transferred this post were recruiting on a certain website in May and were punished due to complaints.

Both the pre-vocational class and the freshman class passed smoothly. Liu Tao, a recent college graduate, became the only employee in the freshman class who issued a stranger's insurance policy (obtained an insurance policy from a stranger). During this period, many students opened self-insurance policies (purchasing insurance for themselves), and it cost RMB 8,500 in premiums to become a regular employee.

Liu Tao was surprised to spend so much money just to become a regular employee. His director always proposed, intentionally or unintentionally, that he should become a regular employee through self-protection. The director calculated an account for him. If he spends 8,500 yuan on self-insurance, he can get a commission of 2,400 yuan, plus a basic salary of 1,200 yuan. If he cancels the policy after 10 days, he will get a refund of 600 yuan, and he can get back 4,200 yuan. He only loses 4,300 yuan. It's time to become a regular employee. After becoming a regular employee, you can get more insurance policies, get more commissions, and earn back your money.

If you want to get more commissions, recruit more people and persuade them to protect themselves. By constantly recruiting new people and protecting yourself, you can solve your own task of obtaining insurance policies. If you can recruit five or six people a month and let them protect themselves, the account executive can get five to six thousand yuan without having to go out to do business.

How is insurance the same as MLM? Just to pull people's heads and let them protect themselves. Liu Tao began to have doubts about his work.

Previously, Liu Tao believed that his experience could be of great help to college students in their employment. One of his teachers also invited him to the school to hold a career talk session for freshmen.

“College students are not suitable for the insurance business.” Liu Tao said.

The relevant person in charge of the Jiangsu Provincial Insurance Regulatory Bureau told the author that the Insurance Regulatory Bureau is firmly opposed to insurance asking the management team to immediately transfer this information when they find out. The person who posted this post misleads employees with false recruitment announcements. According to regulations, insurance companies are not allowed to Buying products as a condition for becoming an insurance salesperson.

“I told this matter because I decided to leave this industry. When I learned about the rules of the game in this industry, I could no longer go on. Because I knew that every step of the way would be difficult. Every step you take will be at the cost of your conscience..." Liu Tao said.

Extended reading: How to buy insurance, which one is better, and step-by-step instructions to avoid these "pitfalls" of insurance