As the 2019 plan of the comprehensive management department of the life insurance company

Some people often can’t tell what the internal and external offices of insurance companies mean. Let me educate you. The term “internal and external” is only found in life insurance companies, but not in property and casualty insurance companies. The field staff are salespeople, selling insurance. After entering, you pay a training fee and take the agent qualification certificate test, and then you can start working. Note that the field staff signed an agency contract and did not have social security, hardware and insurance. In other words, the agents of the insurance company are not regular employees. The insurance company entrusts these people to help sell insurance and earn commissions. Every commission earned needs to be called business tax. There is no basic salary for field workers. Some newcomers within one year of joining the company will receive some training allowance, which is about 300-800 per month. Note that even this training allowance requires you to attract a certain amount of business. If you don’t have a single bill for a certain period of time, the insurance company’s system will automatically cancel you (funny, right? They will fire you if you don’t pay a penny). In fact, selling insurance is quite difficult. If you only have one bill every six months, No, the insurance company feels that it is a waste of company resources to train you, so it will naturally dismiss you. Okay, so is there no future in field service? Of course not. If you become a regular employee in half a year, you can choose to continue selling insurance or recruit people. After you recruit more than 4 people, you can become a business director and be responsible for managing the new people you recruit. Your new hire doesn't open a single order, and as the director you also get a commission. So many people often say, "Ah, I have been deceived. Insurance companies are all scammers. They say they are looking for internal staff, clerks, or lecturers. In the end, they are deceived into selling insurance." Why does this happen? I've talked about it before. Salespersons who become regular employees are eligible to recruit new employees, and they develop their own organizational scale in exchange for reinforcement fees. Naturally, they will try their best to recruit people, but these days, the reputation of insurance company salespeople is not good. Naturally, they will use some deceptive techniques to fool you. Having said all that, this is probably the rhythm of field work. Is there a future in field service? My answer is yes, but it is too difficult. It is recommended that you are over 30 years old, local, have considerable connections, and have a monthly income of over 10,000 yuan or better. But I don’t recommend it to freshly graduated college students who have no experience. No resources. It's better to sell something else, so that you can have a basic salary and not starve to death. Many people may ask? Why doesn't the insurance company sign a formal contract with the field staff? Why are the field staff not regular employees? Let me explain briefly. Take Jiangxi Ping An Life Insurance, where I work, as an example. Jiangxi Ping An Life Insurance has 7,000 people in the field and 400 in the province. You see, if all the field staff are regular employees, Ping An will have to go bankrupt. In addition, there is too much turnover among new members of the field team. No insurance company in the country will sign formal contracts with salespeople, so it cannot afford it. So don’t blame the insurance company for being a liar. This kind of recruitment is entirely the independent behavior of the salespersons themselves, and the insurance company cannot manage it. This is true for any life insurance company in the country.

Let’s talk about the back office. In fact, the back office is a team that serves the field service. Take Jiangxi Ping An Life Insurance Branch (secondary institution) as an example. It is divided into three major sections. 1. Frontline 2 Backup 3*** Same resources. 1 The front line is divided into several large departments. Sales Planning Department (communicating Ping An Life Company’s resources, defining policies, etc.). Training Department (training teams of field salesmen at all levels). Marketing/District Development Management Department (makes a large number of reports every day and analyzes various data) Comprehensive Development Department, Supervision Office, etc. In short, the frontline department has a close relationship with the field, especially the training department, which often has to teach salespeople. The main support is the premium department, the two-core management department, and the customer service department. As the name suggests, back-up support basically includes order placement, order verification, claims settlement, counter service, etc. Generally speaking, support is easier than frontline, but the income prospects are naturally much lower. The same resources are the Human Resources Department, the Planning Office (the top secretarial team), the Finance Department, the Administration Department, and the General Manager’s Office. I don’t need to say this anymore.

In-house recruitment is led by the Human Resources Department through online recruitment (51JOB, Zhaopin Recruitment). First, the Human Resources Department, then the head of the department you are applying for, and finally a boss in the General Manager’s Office . If everything is OK, prepare for a physical examination to verify the authenticity of your academic qualifications. The complete set will take at least 1 month.

The above describes the organizational structure and recruitment process of secondary institutions. If it is a third-level organization (such as Jiujiang Central Branch Company, Fuzhou Central Branch Company) the organizational structure is relatively simple and certainly not so detailed.

As for whether the back office has a future, I just said that. Back office staff are regular employees of an insurance company. Whether there is a future or not, I can only say that the beholder has a different opinion.

As the low-end of the financial industry, the income is certainly not bad in the local area. The monthly income in places like Jiangxi is definitely 3,000-5,000 (employees within three years), holiday expenses, five insurances and one housing fund are all very formal. The year-end bonus in Jiangxi is about 5,000-13,000 (employees within three years) based on the profits of local organizations and local living standards. As for certain back-office managers, ranging from office directors to general managers, their incomes naturally vary. In general, job-hopping in the back office is quite frequent. Mainly because the back office, especially the front line, is extremely hard. A large number of reports and a lot of planning need to be done every day. Overtime is simply commonplace and commonplace. If you want to take it easy, don't go to an insurance company.

Finally, let’s talk about the bancassurance system. The internal and external back office mentioned earlier refers to the individual insurance channels of life insurance. Bancassurance salespeople have a basic salary, which is about 1,500-2,300. This is a non-liable basic salary, but if you have few orders in a few months, you will probably be dismissed. Bancassurance salesmen naturally work in banks every day, which is quite stressful, and staff turnover is also extremely scary.

Why are property and casualty insurance companies not divided into internal and external offices? This is because property and casualty insurance salespeople also have a basic salary and five insurances and one housing fund. Salesmen similar to bancassurance mainly sell property and auto insurance. The salespersons of property and casualty insurance companies are not like life insurance companies who engage in mass tactics, so their salespersons sign formal contracts. Is it easy to do well? I think it is definitely better than the field service of life insurance companies. At least they have a basic salary and social security, right?

< p>Extended reading: How to buy insurance, which one is better, and a step-by-step guide to avoid the "pitfalls" of insurance