The greatness of insurance?

I've always wanted to share my feelings about reading this book and take this opportunity to let more people know about major diseases and critical illness insurance. The following is a brief introduction of the author Wilson Ding:

? Born in a medical family, the author used to be a cardiac surgeon and participated in more than 1000 operations. Later, in order to find broader career prospects and more exciting challenges, he "bumped into" the insurance industry. Now he is a popular spokesman for the financial industry at home and abroad, an advocate of the concept of "serious illness is not serious", and is praised as "the father of serious illness insurance in China" by Hong Evening News. During this time, what kind of choices and explorations did he experience?

Dr. Ding: Thousands of operations in four years.

? There are five people in Wilson Ding, whose parents and sisters are medical students. In such a family atmosphere, it is natural for Wilson Ding to choose medicine. He studied western medicine and specialized in heart surgery. After graduation, I went to a 3A hospital in Beijing. Being young and competitive, he underwent thousands of operations in just four years. But this figure did not make him complacent, and even the satisfaction and sense of accomplishment brought by the success of the operation were overwhelmed by the boredom of always repeating similar operations. "I soon became familiar with the relevant operations, and the work itself did not have much new ideas and challenges." Wilson Ding thinks the profession of doctor is good, but it can't meet his expectations. "If people have two lives, then I will be a doctor for the rest of my life and do something else for the rest of my life, but I only have one life!" Therefore, Wilson Ding began to look for new opportunities to realize his life plan.

In 2002, young Wilson Ding left the hospital to look for new job opportunities. However, I am dismayed to find that many jobs require relevant experience. As a cardiac surgeon, even though I can gut patients and solve their pain, there is no related job in the huge talent market! Unless it's selling drugs or medical devices, "but I'm not interested in selling drugs and devices. I think this is also relatively simple, and there is no creativity or connotation value. " As a result, Wilson Ding left the talent market empty-handed.

Occasionally, Wilson Ding saw AIA's job advertisement and found that there were four hard indicators: Beijing hukou, more than two years' work experience, bachelor degree and no insurance work experience. These four conditions suit you very well. Wilson Ding looked at the advertisement and felt that the opportunity had come. Although he didn't know the salary of this job, whether there was a basic salary or even the situation of AIA, he rushed to the interview.

? The interviewer is the CEO of AIA in Taiwan Province Province. Dressed in a suit and tie, he is elegant and charming, which makes Wilson Ding, who has been listening to the songs of Tayu Lo, Teresa Teng and Chyi Chin, feel cordial and comfortable, and his feeling of friendship suddenly becomes concrete and appreciated. "This company is already great and can attract such good talents; Either this company is very powerful and can cultivate a poor person. " He is eager to join AIA, hoping to be as personable as an interviewer one day.

? This reason looks very emotional, but Wilson Ding knows that "(this choice) looks very emotional, but it is actually caused by a long period of rational experience, so I don't think it is emotional, but it is actually a comprehensive result." Many years later, he recalled this scene, that is, he clearly realized that "seemingly unrelated and unrelated industries, from doctors to insurance, actually have a lot in common, the core point-in fact, their reasons for existence are all out of respect for life. I think what a doctor means is to save lives when threatened; And insurance is to protect life when life is not threatened. "

In this way, the transformation from "Dr. Ding" to "Manager Ding" was completed.

Manager Ding: I won a new critical illness insurance solution in three years.

? Let a respected, reserved and unsmiling person sell insurance. Wilson Ding once went through a struggling period of not selling orders for one month. At that time, he called someone about insurance, and his face turned red after the phone call. How to start this new business? At that time, his tutor and general manager told him, "You should go back to the hospital when you come out of the hospital. Because you know the place best, they trust you, and you also know their joys, sorrows and worries, so it will be more convincing for you to talk to them about insurance. " So in the first half of the year, the main customers came from my former unit and my classmates and good friends. "

? This looks like a businessman's "killing", Dante gathering pace doesn't think so. "I think insurance is a very good thing, and I will definitely introduce it to my closest people. This is not the same as killing people. Just like if you get a flat peach that can live forever, you will definitely not eat it alone in the street, but will definitely take it back to your wife, children and parents. " Although there were many doctors and nurses in Wilson Ding at that time, they didn't think insurance was a "good peach". Dante Gathering pace firmly believed that insurance was lifelong, that is, to see a doctor-and an ordinary doctor is a doctor who saves lives-that is, to treat "a disease without illness"; Moreover, insurance itself is not deceptive. The trick is that some insurance people are never like that. Based on this belief, he felt it necessary to correct the prejudice against insurance in his previous circle of friends by talking about selling insurance. In fact, he also did it. Customers in the first half of the year all came from previous work and life circles.

? In the first three years, Wilson Ding only sold accident insurance and major illness insurance. It was not until three years later that he began to set foot in old-age insurance and other types of insurance. On the one hand, because of his medical experience, he is familiar with these two types of insurance and has more confidence in selling them; On the other hand, it is because of his special experience in insurance. He often tells others that buying a pension at the age of 30 is like paving the way for the post-60 s, but how can you ensure that you can smoothly go from 30 to 60? Although many colleagues are promoting universal insurance and dividend-paying pensions, Dante Yunsheng insists on his belief that the road to peaceful retirement needs the escort of critical illness insurance. Therefore, under normal circumstances, Wilson Ding will let customers spend their insurance budget on pensions and major diseases as much as possible to ensure that they can work hard until retirement. Then after the age of 60, these critical illness insurance can also be transformed into pensions through some transformations. So in this sense, critical illness insurance is critical illness insurance before the age of 60, and becomes a pension after the age of 60.

? Why not sell some dividend universal insurance when selling critical illness insurance? In the face of such a reporter's question, Wilson Ding has a clear understanding. "Just like Gai Lou, this is all the materials. I want to lay a good foundation. If the building is very high, the building will definitely not be built well. Because it is very difficult for me to build this building and then get on the pedestal; But if I spend my limited energy and material resources on laying the foundation when I am in Gai Lou, then this building may be built very high in the future. " It is in this way of thinking that he advises customers to buy enough critical illness insurance before taking out insurance, "if possible, it is best to buy the maximum amount that insurance companies are not allowed to buy" to "lay a good foundation", and then continue to take out insurance for others in the future to build a stable insurance building.

Father of critical illness insurance: This is how Rome was built.

In 2005, AIA experienced a crisis, which was caused by a post on the Internet, which strongly criticized their insurance for protecting death and illness, and the post also quoted strong evidence from some doctors. This not only puts AIA in a passive position, but also affects the entire insurance industry. At one time, the performance was greatly affected, and the critical illness insurance was particularly hit hard. At this time, the company leader found Mrding and gave him a hat, half joking and half serious: "Mrding, since you are known as the father of critical illness insurance, this critical moment can play a role. Tell you what, you start selling critical illness insurance now, and sell one copy a day until our performance goes up. " In this way, he has always had a soft spot for critical illness insurance and was named this responsible name.

? Perhaps it is the responsibility carried by this name that makes Wilson Ding responsible for helping the company out of this crisis. So, for more than three months and more than one hundred days, he really insisted on issuing a single critical illness insurance every day. It was not until the price of critical illness insurance rose from 50% to 65,438+00% that he returned to the previous exhibition rhythm. In addition, during that time, he also actively responded to the company's call and found 200 doctors in various departments of major hospitals in Beijing. Through professional interpretation, he proved that AIA's critical illness insurance is not to protect sick people. Through these efforts, he made customers understand the difference between insurance medicine and clinical medicine, and understood that the definition of serious illness by insurance companies is not done behind closed doors, but by the most authoritative people in our medical field, such as Wang Zhongcheng in brain surgery and Zhu Xiaodong in cardiology ... These authoritative people in various disciplines have worked together with the China Insurance Regulatory Commission. The post at the source of the storm said that it was all because of doctors' one-sided understanding of relevant knowledge. "Although the terms are not comprehensive, it is caused by many factors. It cannot be killed with one stick, which makes many people lose the reason to buy insurance."

? Coincidentally, after the storm, this poster actually became a customer of Wilson Ding, and bought the critical illness insurance that he had "resisted" before! At the company commendation meeting at the end of the year, Wilson Ding was awarded the "hero of god protection" by the company. Since then, he has become a well-known person in the industry with the title of "father of critical illness insurance". However, he felt a little nervous and said with a smile, "I'm still so young, I can't bear this fame." When I have children in the future, call me Ding seriously ill, then I am the real seriously ill father! "

? Dr. Ding, father of critical illness insurance, manager Ding, and sales expert, all these different titles have distinct characteristics in different life stages and dimensions, and it is these rich dimensions that make him attractive today. In fact, there are many stories about Wilson Ding, and I can only stop here because of the space limitation. Ding has repeatedly stressed with his staff and other colleagues that you should not use your lack of medical background as an excuse to sell critical illness insurance badly. In fact, special professional medical knowledge is not easy for ordinary customers to understand. The most important thing is to have a strong insurance concept and mentality-that is, to believe that a person will definitely get a major illness in this life. If he didn't get it, it was because he left first for other reasons and had no chance to get it; In my opinion, critical illness insurance is not medical insurance, but health insurance, which is insurance for loss of work income. On the basis of this method, it is meaningful to talk about skills. All skills are easy to learn. (This article was originally published in the ninth issue of Baoke)

Quoted from Wilson Ding:

1, I believe that a person will get a serious illness in his life. If he didn't get it, it was because he left first for other reasons and never got a chance.

2. critical illness insurance is not medical insurance, but health insurance, which is linked to customers' work income, so it can be called "work income loss insurance".

I think what doctors mean is to save lives when threatened; And insurance is to protect life when it is not threatened.

4. What is the meaning of insurance? It emphasizes the importance of preventing all kinds of life and property accidents.

Medicine can only save a person's physical life, but it can't save a family's economic life.

Welcome more friends to communicate, please write privately.