Why do insurance salesmen pull people around them to sell insurance?

Original text from WeChat official account: Chengyibao

Original link: Why do insurance companies keep recruiting people? Who is recruiting

Have you ever had the experience of looking for a job and opening a recruitment website? Almost all of them are filled with such recruitment information, and you don't know what position or even what company you are recruiting.

If you put your resume in the above recruitment information, you will receive many such phone calls in the future.

the HR specialist of XX insurance company or xx comprehensive financial group called you and invited you to the company for an interview. Which insurance company is stronger? I just sorted out the relevant contents, hoping to help you: the latest list! Top ten insurance companies in China

I sent two resumes at random, one of which impressed me deeply. A girl told me on the phone that they were a comprehensive financial company.

my first reaction is whether this is insurance or an insurance.

The girl said in the original words: We are an comprehensive financial company, not an insurance company. We mainly engage in auto insurance and mortgage, as well as trust and lufax.

Now, because the performance and personnel have increased greatly, I want to recruit some people with management experience to develop together! At the same time, we have a basic salary for experienced talents, which is generally 54 for junior college or above.

When I heard these words, I have basically solved the doubts of job seekers.

first: not for insurance!

second: business is very good and people are lacking!

third: the company's product line is very rich and easy to do, including auto insurance, loans, financial management and so on!

finally: the company has a basic salary!

to be honest, most people will be moved when they see such good working conditions, especially young people who have just graduated and have no social experience.

but brother Bao saw the problem at once.

people who haven't done insurance may not imagine that a newcomer who has just joined an insurance company can also recruit, which is euphemistically called "self-building team and starting their own business". To put it bluntly, it means developing offline, attracting people, and getting a commission when they get offline.

Brother Bao has met very few colleagues, and he doesn't make much orders himself, so he can live a very moist life by team interests.

many people are more resistant to selling insurance, and their heads are not easy to pull, so sometimes they will recruit according to the positions of clerk and logistics, and then slowly guide them to sales.

The above words are very classic, and it must be the best scheme after many people's practice and modification.

And the little girl on the phone is not safe. She is only a temporary worker (assistant) hired by one of the salesmen, so her behavior can't represent the company, which means that everything she said to you, even if it is all recorded, there is no law to protect you at all.

As long as you go to the company, you will be invited to attend briefings, training for newcomers, etc., and you will be brainwashed and transformed by telling you how noble the insurance industry is and how high the income is, and finally you will be allowed to sell insurance together.

Therefore, it is not the insurance company at all, but the agent of the insurance company and the assistant of the agent. Even the person who recruits you may be a newcomer who has just entered the company for a few days. Why

is the insurance company short of people? In fact, insurance companies are not short of people.

They don't lack employees, but customers. Do you think insurance companies recruit employees? Wrong, in fact, he is recruiting customers!

due to the lack of basic financial education in our country, many people lack understanding of insurance.

therefore, it is difficult to get someone to take the initiative to buy insurance. At this time, it is necessary to educate people, that is, to let everyone understand the meaning and function of insurance.

newcomers go to insurance companies, and the first few months are training.

It's all about the benefits of insurance. Life is full of risks. How important it is to manage risks. Everyone needs to buy insurance.

It can be seen from the content of training that newcomers are not trained as employees, but as customers.

after the training, basically, everyone will agree with insurance (some people will leave naturally if they disagree).

Coupled with the "influence" of some old agents around, it is easy for newcomers to buy insurance for themselves first.

that's not enough. I have to buy my own family.

We all have three relatives and six friends, and many relatives and friends will buy insurance from you for the sake of human feelings, just as they support your work!

After all the insurance of relatives and friends was sold out, almost half a year passed.

when you find that sales are in a bottleneck, the old agent of the insurance company will tell you: actually, selling insurance doesn't make money! Do you think so-and-so director of the company made it by selling insurance? No! They all work as a team and let the team help you make money.

in insurance, the real money is to develop your own agent team.

and now it's directors and managers to share your personal success experience.

It makes you feel as if you can reach the peak of your life just like them. At this time, they will let you do the recruitment!

Recruit more people like you and join the insurance company. Then let them buy their own insurance and sell it to their relatives and friends.

in this way, it goes back and forth.

according to my own observation, most insurance salesmen have three processes: suicide, killing and falling off. Suicide: After joining the company, everyone was just a trial salesman, and under the pressure of performance, they had to buy it for their family buy buy. After buying it for your family, you can become a regular employee. This process can be called "suicide". Killing cooked food: Many people can only start with their relatives and friends because of their limited business ability, hoping to generate sales through their past relationships. This process can also be called "killing cooked food". Falling off: After "suicide" and "killing", many people still don't have the ability to open up new customers. Without performance, they will have no income, and they will face the company's assessment, and then they will start to increase their staff. Eventually, they will not be able to recruit people and sell insurance, so they will "fall off" and leave the insurance industry completely. Professional nature

The scientific name of the salesperson of an insurance company is insurance agent, but this system is actually imported.

In p>1992, AIA introduced the agency system to China, and then, insurance agents took root in China in an explosive manner. Generation after generation of insurance agents pushed forward the rapid development of insurance industry in China.

Many customers, including people in insurance companies, think that agents are employees of insurance companies. In fact, insurance salesmen of insurance companies can be understood as sellers.

When you get the goods from the insurance company and get the commission after selling the products, you sign the Agency Agreement instead of the Labor Contract.

most insurance companies will not pay social security to their agents, and many people's own protection is insufficient.

China's Insurance Law stipulates that an insurance agent is a unit or individual who collects agency fees from the insurer on the basis of the insurer's entrustment and handles insurance business on behalf of the insurer within the scope authorized by the insurer.

The following explanation is taken from official website, an insurance company.

The article mainly expresses that insurance agents are not employees of the company, have no independent legal status, do not enjoy employee benefits, and need to collect business tax and personal income tax.

The "employee system" in the insurance industry has been called for several years, but it has not been realized yet. As of January 218, the number of insurance agents in China has reached 8 million.

the insurance company will sign a labor contract with everyone, pay a basic salary without responsibility, and pay five insurances and one gold?

unrealistic!

among the top life insurance companies in terms of agent channel scale, we only know that Pacific Life has conducted pilot recruitment of employee agents in some regions.

Project name: Jin Yulan Wealth Management Center

Requirements: Full-time college degree or above, aged between 25 and 4, locals are preferred, and interviews are required.

treatment: formal staff establishment, signing a labor contract, enjoying a basic salary of 3, yuan/month, additional sales income and performance income, allowances, bonuses, five insurances and one gold, and employee benefits.

above, very few people can achieve it.

Therefore, every time Bao Ge meets those salespeople who keep their mouths shut and are proud of their insurance companies, my mood is still somewhat complicated.

The agent of a company with 16 years' experience said that the insurance industry is brainwashed and loyal to the company. Work experience

As for what it is like to work in an insurance company, I think everyone has their own feelings. I interviewed several partners from different insurance companies at random.

The following are the descriptions of these partners, which do not represent my opinion:

Do insurance companies have much training?

The company I work in has a special training teacher, but more often it is the old employees who train the new employees. The company has a good name, so that everyone has the opportunity to go on stage to exercise. In fact, while saving costs, the quality of training is not guaranteed. The experience of old employees is worth sharing, but the understanding of many knowledge points may not be in place.

The morning meeting of the insurance company is the most unacceptable thing for me. It used to feel that the financial industry is quite serious, and the insurance company comes to sing and dance every morning, and then the host leads everyone to shout, "Our company is the best! The product is the best! Welfare treatment is the first in the industry!

do insurance companies make much money?

companies often convey an idea, "Simple, obedient, and do it. A million-year salary is not a dream. You can copy the success of others.".

As a result, newcomers learn by heart every day, make strange phone calls and sweep the streets in office buildings. I believe that as long as the quantity is large enough, there will be a certain success rate. However, many people later discovered that very few people have achieved an annual salary of one million.

generally speaking, there is no basic salary for selling insurance. One source of income is the sales of your own products, and the other is the off-line sales commission. It is true that some people at the top of this industry earn millions a year, but some people can't open a bill for several months, which is quite a feeling that they will succeed. In fact, there are winner and loser in every industry. As long as you have the ability, there are people with high incomes in every industry.

In fact, the pyramid sales team, product-oriented sales and extensive management are still the driving forces for the rapid development of the life insurance market, and they are also the main reasons for many chaos, such as adding staff by twisting towels, misleading customers and constant complaints from sales staff.

The pyramid-like sales team structure, fatally echoing the "28 Law" that people often say, climbed 2% of the spire, and achieved great success.

in the remaining 8%, those caught in the middle are ups and downs. What is pressed on the bottom is regarded as a towel dipped in water. After wringing it out, it is discarded as a shoe.

However, there is no subjective evil of salespeople, and more helplessness stems from the system itself.

we prefer to believe that salespeople have good intentions when they enter the industry.

The pyramid team structure naturally tends to expand in scale, and it is difficult to take into account the protection of personal interests and the building of business quality.

it is more inclined to create value for the company than for individuals.

The industry experts summarize the insurance agent system.

The biggest feature of insurance agents or other retail sales is that they must have strong social communication skills as sales.

customers recognize people rather than products, which is the same for banks, securities and insurance.

So the best sales are often local people who have been immersed in society for many years and have extensive social relations, and they don't need much professionalism-in fact, the stronger the professionalism, the weaker the sales ability.

as an insurance agent, do you stand on the customer's side and become the insurance consultant of the customer, or do you stand on the company's side unconsciously and act as the premium excavator of the company's shareholders?

it should be remembered that agents are not employees of the company, and the interests of the company have nothing to do with us, but the interests of customers are our interests.