Rongchuang real estate dividend time

Selling houses and products; Selling insurance is selling ideas. There are many similarities between selling a house and selling insurance in essence, and there are similar basic requirements in terms of affinity, communication ability and professionalism. The two industries have their own advantages and disadvantages, and there is no difference. I hope to make my own choice by comparing several aspects of the two industries:

Comparison of entry thresholds:

This year, the China Insurance Regulatory Commission (CIRC) issued the relevant regulations on the examination qualifications of insurance practitioners, upgraded their academic qualifications to junior college or above, and classified all kinds of insurance salesmen according to their academic qualifications and working years. However, it didn't take long for the news to come out that the insurance qualifications entrance examination would be cancelled, and a more advanced sales qualification certificate was set up according to the sales requirements of various types of insurance. Undergraduates without 2~3 years working experience and relevant knowledge examination certification can't happily sell dividend insurance;

There is no higher education requirement for real estate sales, but the lower limit of university foundation is absolutely correct. The real estate sales recruitment of large companies is eager for 2 1 1 985, and it is better to add a layer of overseas gold plating, but there are still a few real estate enterprises that can make this request.

As far as the current entry threshold is concerned, selling a house.

Comparison of salary and benefits:

The first premium commission ratio of products with long insurance period is generally 2%~30%, and the highest premium commission of life-long products can reach 40%. The commission of wholesale products (premium paid in one lump sum) is lower than that of installment products (premium paid in installments), mostly within 65,438+00%. Products paid in advance can also enjoy renewal commission (that is, when the insured pays the renewal premium in the future, the salesperson in charge of the policy can enjoy this fee commission), and the renewal commission can generally be received for 3 to 5 years, up to 20 years, and the commission ratio is generally greater than 2%, up to 10%, and decreases year by year;

The sales commission of second-hand houses is mostly 10%~35%, and the proportion of first-hand houses is mostly between 0. 1%~0. 15%. However, with the soaring housing prices, the commission of real estate sales is also rising. For example, Sunac's commission ratio is 0.3%~0.6%, while Country Garden's sales elite's commission ratio is as high as 0.6%.

Selling insurance is not just a matter of hundreds of millions, selling a house is the price of hundreds of millions; But an insurance family can buy several copies, but each family does not necessarily have two or three houses.

But at present, selling insurance is a gradual salary increase trend with long-term benefits, and selling houses is undoubtedly a short-term profiteering choice. In terms of salary and welfare, selling houses is temporarily ahead.

Comparison of working environment:

The song "Not afraid of falling snow, not afraid of falling rain, even if it falls in a cold snowstorm" has echoed in the hearts of insurance practitioners for countless times. Individual insurance practitioners are not afraid to sell insurance from door to door, and bank insurance and auto insurance must travel to various points for inspection. Only property insurance can be regarded as a resident of the office. Insurance is always on the road and the office is like a post office. After finishing the business, I will go out. There is also super sales, which will complete the plan in an orderly way, work for half a day and rest for half a day, and the meeting training will arrive on time, provided that the task objectives are guaranteed;

Real estate sales also need to go out, such as placards, leaflets and home visits, but once the resources are collected, people can come to the store.