After six years in the life insurance industry, should I stick to it?

I have been engaged in insurance for three years, and I have been thinking about this issue recently.

Looking at the long-term trend, the disadvantages of the agent model are getting bigger and bigger. The low threshold and high turnover rate make the personal insurance service of the agent a false proposition, and only sales can not deliver the service for decades or even life. If you don't have time to consider professional services, it will be natural and reasonable to return the commission, because the professional consultation and service value you provide is simply not worth the money!

The systematic assessment of actuarial pyramid in the Basic Law makes everyone want to stop, and the team leader keeps increasing. Recruitment is to recruit customers, and the agency system is not the labor contract system. The retention rate of newcomers in 13 months is less than 1%, and the retention rate in 3 years is 1%!

unless the team leader of a single insurance company evolves into a systematic company system, the middle and high-end customers operate stably and cannot accumulate their own market-oriented brands, the negotiation ability with the insurance company they represent is not strong, and it will always be a passive assessment. The assessment failed and suffered heavy losses! It is extremely difficult to realize the stable development and inheritance of the cause.

In the long run, it is a trend to make general insurance products online. The cost performance of Internet insurance products, payment methods, convenience of experience, frequency and convenience of customer consultation and interaction, popularization of insurance knowledge and traffic conversion are more advanced and superior than the offline agent model, and it is inevitable to fall behind.

complex insurance products really need in-depth communication, but it is difficult for offline agents to continuously mass-produce because of the high cost and difficulty, and it is not so easy to order two pieces every month. It is only a matter of time before they are forced to fall off after eating the self-protection parts and adding insurance to the limit.

unless there is a stable channel for middle and high-end customers, it is necessary to improve the freight forwarding ability in the future. It is a feasible choice to have lawyer's freight forwarding insurance, doctor's freight forwarding insurance and part-time long-term freight forwarding insurance in the case of main business. McKinsey's research report touches people's hearts. China's insurance industry has statistically obvious characteristics of part-time. Full-time insurance requires you to have special skills, focus on the long-term and focus on the professional value of customers' needs. Please make a careful choice according to your own situation.

I've been in the business for 11 years, and this problem still bothers me! No matter how many achievements we have made and the social recognition is too low, we people are still a group of insurance runners in the eyes of others! There is no guarantee, plus the vicious competition, commission rebate, lagging insurance agency system and unreasonable company management system, which makes me feel that it is a pity to abandon the food without taste, and insist on renewing it!

The insurance industry is too vain. In order to get in touch with customers' loans, it has to buy high-end cars, first install frontispiece, and pay a lot for a list that I don't know when it will be closed. The input-output ratio is seriously unbalanced! It is through this medium that all kinds of classes are reported to customers to develop! If you are impetuous, you can learn anything, all with utilitarian heart! For nodes, plans, assessments, promotions, all kinds of self-purchase orders, this is what many poor insurance people have experienced at present, thinking that being simple, obedient and doing can be as successful as the people you look up to! In fact, the times have changed, vanity can only bring physical and mental exhaustion, and down-to-earth is the way to survive!

since you are in finance, or from a business perspective, you have to calculate a profit-loss ratio, right? 2 million in six years, spending nearly 4 thousand a year, with an average of 4 thousand a month. I don't know where the subject lives. Suppose that 4, yuan a month in Ningbo is quite expensive. That also includes my own premise that I have no income. Since I can do it for six years, I must have achieved something, otherwise I would have been assessed early. If I count my income as 21, years, I usually spend more every month. Is it possible to keep all these six years by buying my own parts? Or do you usually buy luxury cars and luxury goods in order to do business? After all, insurance companies don't have to rent their own office facades or ask employees to pay their salaries. So many 4,-5, yuan a month are not spent on yourself. If a person can't even understand the minimum cost budget, let alone do finance or insurance. What a shame! I used to know that direct selling has direct selling refugees. Now that you send it out like this and attack others, you are an insurance refugee. I think a minimum economic account will not count, and everything will be a loss! Maybe other industries lose more! I have been in the insurance industry for more than 2 years, and I have been engaged in internal management positions for a long time, so I will give you some advice.

after more than 1 years of stagnation in domestic insurance, the only people's insurance company was established by the state in the late 197s. At that time, the slogan (now called propaganda) was that people's insurance is for the people.

Since the early 199s, Ping An, Pacific, Xinhua Life Insurance, Taikang Life Insurance, etc. have been established one after another. At this time, insurance is also subdivided into markets, and it is necessary to become the first company and property insurance company. First of all, life insurance companies imitate the insurance development of the United States and Taiwan Province, and combine the actual situation of our country to launch a new development model, the agent system, that is, the commission is extracted according to the performance without paying labor costs.

It is an opportunity to promote the explosive growth of life insurance from the beginning, that is, to cut interest rates twice in 1997 and 1999. Before that, the highest annual interest rate of banks in China reached 1.98%, and the long-term predetermined interest rate of insurance was 8.8%. For example, the "wedding gold" insurance I bought for my child just after birth only paid 1 yuan a month, and when I turned 22, I could get 67, yuan.

the development of the insurance industry is followed by the expansion of manpower, that is, the sea of people tactics. The assessment is becoming more and more strict, and you need to have a list every month to pass the assessment, so you can't brainwash training without insurance, visiting skills, sales promotion skills, demand stimulation skills ... A series of systematic sales skills training is launched at each stage, and everyone is given the opportunity to be promoted. Take the management line and get all kinds of allowances, so it is necessary to develop the team; The rough management of the insurance industry from the very beginning has become more and more refined and high-end. From the early 199s, a large number of laid-off workers were recruited. Now, elites are doing insurance, customers are becoming more and more high-end, and more and more people pay for thousands of years, so many high-income business personnel have emerged.

Back to your question, I think it has been done for six years. If it is done well, the renewal commission can also get a lot of foreign debts, and it can be paid off by doing insurance without profit. Therefore, unless your performance is not very good and you are muddling along, you won't ask such questions as long as you do well. Look at the customer classification and sustainable discovery yourself to position your future.

It just so happens that there is a picture in the circle of friends showing her own income of insurance business personnel in 219, which is sent out to encourage you.

Luo Dapang said in his New Year's Eve speech: Insurance companies are either desperate or stunted.

what kind do you belong to?

is the debt of 2 million related to insurance? You are in debt because you have been insured for six years? All the money in debt is invested in insurance?

if so, there is something wrong with your own financial business. You can't manage your own finances well, and you still want to help your customers manage their finances? [Laughter] [Laughter]

Insurance income has no ceiling, and you don't need to invest the principal yourself, just acting as an agent for the product. It is a low-cost and low-threshold venture. Only the agent's product is "insurance", that's all. If there is a cost, it is the investment for expanding customers and maintaining customer relations. You are in debt of 2 million [laughs] [laughs]

That means you are suitable for a simple job and get a fixed salary every month.

It's normal if you are in debt because of the loan to buy a house. In a low interest rate environment, it's wisest to use the bank's money.

as long as your income is enough to repay your living expenses and you still have a surplus, it means that your income is ok and your debts can definitely be paid.

why are you in debt of 2 million? You have been in the life insurance industry, and if you have a bill, you will get a commission. If you don't have a bill, you won't get a commission, but you don't have to be in debt. Can you say that you have bought a lot of insurance?

In fact, the most taboo to do insurance is to buy yourself a lot of insurance to fill your performance, but it may be meaningless at this time. In that case, I suggest that you can find a job to support yourself first. If the insurance industry can't let go, you can work part-time. Now, not all banks require employees to do this full-time. As long as your performance has passed the assessment, you can actually have multiple identities.

as for the insurance that I have bought, I suggest that I can deal with it in batches. If it is a wealth management type, then let's see if it is not necessary to pay annual fees like universal insurance. If there is a burden, we can suspend other insurances first. If it is a consumer type, let's see if we can surrender and see if we need it. Other insurances can be reduced and paid off. I believe you have many ways of operating yourself.

Insurance is a good thing, but it should not be too much. People who do insurance think it is a good thing, but now insurance is familiar and deeply involved in people's lives, but not all people will choose insurance, because there is a threshold for choosing insurance, so many people want to buy it, but because of physical conditions, some people are healthy, but they can't buy it without money, so sometimes they can't. What can really persist is actually going through some twists and turns.

Insurance is a part of life, and insurance is more about family asset allocation, so it's ok to look at your family asset allocation structure first, find a job first, make money in a down-to-earth way, and then want to return to the insurance industry in the future.

I want to know how to make an insurance debt of 2 million. . .

professional brokers and independent brokers are the trend of the times, and compliance, specialization and neutrality are indispensable. Otherwise, the insurance industry is just a low-reputation industry that swindles with love and responsibility. Even if the industry is booming, the model is wrong and people are not good, it will be useless. The rapid expansion of China's domestic insurance industry is also thanks to the agent model introduced by AIA in the 199s, but the abnormal development is also the agent model. Because of consumption and overdraft, the original communication circle is a solid exhibition model. The main company recruits agents to recruit customers, and the difference is only the level of the average premium.

So, rather than wondering whether you want to stick to this industry, you are wondering whether this industry is worth continuing to stick to. Limited to an insurance company that doesn't want you to go abroad, or that knows that there is a better one and guides you to "our own is the best", this industry won't make you feel bright.

in a word: show, brother!

You have really achieved insurance to become a millionaire. Although it is negative, at least you have reached a million, which is also your own ability. Think about it, some people want to owe millions, but it's impossible! As the ancients said, if the sky is going to be a great task for the Sri Lankan people, they must first suffer their minds, work their bones and muscles, starve their bodies, empty their bodies, and mess up their actions, so be patient and gain what they can't do.

those who climb to the top of the mountain must have been to the valley.

but I have a question, that is, how did you manage to owe a million dollars in insurance? Is it self-insurance that you buy every month if you can't finish the task? You can't buy millions of self-insurance pieces yourself! In that case, you are worth a lot. Or is it a team that you find yourself, and the team task is not completed and then you pay for it yourself? This calculation really costs that much money. But the team task is completed, and you are rewarded. How can you owe so much? Even if you don't earn a penny, spending millions in six years is amazing.

So, are you spending millions of dollars to see customers buy cars and get car loans, to invite customers to sit at home, to buy a house and get a mortgage, and to add up to the miscellaneous debts of millions of dollars? If this is the case, then you can continue to do it in the insurance industry. After all, you have been doing it for six years, and the customer accumulation must be there. If you sell insurance, the commission is high, and a single order may be hundreds of thousands. And even if you go to other industries, you still have to pay back the money.

of course, if it weren't for these things, you would owe millions, so you'd better change careers! At least have a stable income first, and then switch to insurance when you have money.

insurance is a money-burning industry, which can be seen from the process of establishing an insurance company.

Although perseverance is victory, the premise is that you are on the right path, and you will almost be devastated if you keep going on the cliff without falling to your death.

hello, this friend. I can deeply feel your helplessness after reading your story. You have been in the insurance industry for six years, and you have your own team. You should deeply understand that the team leader is very anxious when he comes to the monthly assessment. As for how to be responsible for 2 million, you know best. If you are in debt because of self-insurance or other insurance-related matters such as completing performance for the following team members, I personally think you should not do it. Because you are now in debt of 2 million for insurance, if you stick to it, it may be 4 million, 6 million. Don't have any illusions, the reality is so cruel. Liabilities bear interest and have to be paid back. It is another matter to be in debt if it is not because of insurance. In fact, whether you want to continue or not has an answer in your heart. It's hard to be in debt. I hope you are successful!