How can insurance recruit people?

Beware of Ping An Insurance recruitment trap! !

beware of ping an insurance recruitment trap! !

At present, the talent market is booming, and the recruitment units are mixed. Some of them are pure fraud companies, specializing in inexperienced college graduates, which seriously pollutes the environment of * *, and the relevant departments are also seriously irresponsible, allowing their fraudsters to flourish in the talent market. Here, I personally expose the long-standing recruitment fraud in Yancheng talent market, hoping that the relevant departments can crack down severely, provide a fresh environment for job seekers and maintain Yancheng's good image.

Ping An Insurance is pulling business

to the talent market under the guise of hiring people. The most striking thing is the recruitment notice of an insurance company, among which there are as many as seven or eight recruitment posts for an insurance company. The recruitment posts include customer service staff, reserve cadres, personnel assistants, senior secretaries, administrative personnel, financial consultants, sales back office, insurance management team, etc. When they find this information, they will immediately transfer this post, sales elite and other different posts, and each post will recruit dozens. Some of these positions, such as grass-roots management cadres and reserve cadres, have special instructions. We warmly welcome fresh graduates to apply for jobs and fresh graduates' training programs ...

People in the industry told me that in fact, many positions don't exist, all of them are recruiting insurance business personnel, but they just cheat people by changing their names first. Some job postings even changed the name of the insurance company, becoming a certain joint-stock company, and its industries are still finance and insurance.

The position of reserve cadre is the most confusing. Many recent college graduates think that this is an insurance company recruiting back-office staff, so there is no need to run insurance. In fact, these recruiters are all people who ask the management team to transfer this post immediately when they find this information, and the insurance company only asks the management team to transfer this post contract immediately when they find this information, and there is no labor contract. The employees of insurance companies are called back office, and the human resources department of insurance companies is responsible for recruitment.

The trap of interview

Recruitment also has a set of industry terms. If you take the initiative to call, just say that there will be a job fair this week. Come and have a look first, but it is not clear on the phone. If you find your resume on the Internet, you will say, I am the human resources department of an insurance company. I saw your resume and think you are qualified for one of our positions (we must say administrative positions such as reserve cadres and secretaries, not salesmen). We invite you to come over for an interview.

I made a phone call, and the other party said that there would be a job fair that afternoon, so we'll talk about it when we arrived. I sent a short message, "Hello, I received your resume online. Please come to my company for an interview in the afternoon, and find a supervisor's address ..." I asked about my work experience casually. The recruiter arranged for the candidates to attend a lecture. There were hundreds of people sitting in a big classroom. Many immature faces seemed to be just graduated college students. A person who claimed to be the director talked about the bright future of the insurance industry in a cadence-"No capital needed, no purchase needed."

Interview is also a routine

Why do you want to do this job? Do you have any relevant experience ... The questions to everyone are the same. The recruiters have repeatedly claimed that they don't recruit salesmen, only reserve cadres and other administrative personnel, but every position must start from the grassroots level. During the three-month internship period, you must get an insurance policy to become a full member, and there is no basic salary if you can't get business.

The trap of self-protection

Enter the pre-service class, the new class ... and then go to work, and another routine trap awaits you.

"Congratulations, you have passed the insurance. Please ask the management team to transfer this card immediately when they find this information. You graduated."

"Our company treats newcomers very well. As long as you become a full-time employee, you can enjoy ... "

" You are not a full-time employee of the company. How can we conduct management training and XX training for you? You must turn positive. "

"The company's promotion month is almost over. You see everyone else has become a full member. How do you ... You don't want to fall behind, do you? "

"If you want to protect yourself (buy insurance for yourself), buy it first, hesitate to retire, and you will lose very little money. And it's easy to earn it back in the future ... "

" I'm just saying, how come you're serious? Don't regret it. "

"The rate is cost-effective, and it will be ×××× in the hesitation period and ×××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××

"Congratulations on your becoming a regular employee. The next position is account manager. You should start to form your own team. You need two formal team members, and you can become the account director after completing the performance of ×× ..."

Industry insiders say that after you become a regular employee, you will find that there are almost no so-called benefits, and the training is the same as those you have attended before.

You can become a regular employee with a self-insurance, but to be promoted to account manager, you need to get an insurance policy with a commission of 3,2 yuan. Many people are eliminated after three months of no business. With a loss of 43 yuan, it took more than three months, and you became a stepping stone for others.

A person who is an account manager starts his recruitment plan, advertises for jobs, and it is the cheapest and most cost-effective online, and maintains or promotes his position by recruiting new people to protect himself.

In the insurance industry, the sea of people tactics is often adopted. Whoever can recruit people will be a cow. Just letting new people protect themselves will have many insurance policies. Such people are also very popular. Other insurance companies will dig you up, and the people you bring are your capital.

"A commission of 3% can reach several thousand yuan a month in a few months, and the more people are recruited, the higher the position and the higher the salary, and the salary of so-and-so can reach hundreds of thousands or even millions in just a few years ..." Such propaganda has attracted many students who have just left school.

the insurance industry is caught in a strange circle of pyramid schemes, constantly recruiting new people, eliminating them, recruiting new people and eliminating them again, and achieving performance by pulling people to protect themselves.

"The current marketing model of insurance is related to pyramid selling." Director Wang, the office of Jiangsu Branch of an insurance company, said that at present, all domestic insurance companies implement the system of asking the management team to transfer this post immediately after finding this information, and there is no basic salary. Only a few foreign companies implement the employee system and have a basic salary.

Please ask the management team to find that this information is immediately transferred. This posting system is the primary stage of the development of the insurance industry. Please ask the management team to find that there are two ways to promote this post immediately. One is to specialize in business and get promoted through the increase of commission. The other is to do business and organize a team. The jargon in the industry is to increase the number of employees, and to achieve business growth by continuously expanding the team.

director Wang said that because of the blood relationship with pyramid schemes, in order to avoid the same problems as pyramid schemes, the insurance company made special provisions on the assessment of asking the management team to transfer this information immediately. For example, the renewal rate of the account manager's policy should not be less than 8%, and the renewal rate of the business director's policy should not be less than 7%.

The author understands that, in fact, this regulation has not been strictly enforced. Many companies only look at the performance, not the renewal rate. Many employees leave their jobs within one year, and there is no guarantee for the renewal rate. Many achievements are self-protection by newcomers, and it is impossible to renew their contracts. In the insurance industry, there are very few people who can pull strange orders, and most people pull them through relatives and friends.

Director Wang admits that asking the management team to immediately transfer this information is suitable for people with certain relationships, but not for college graduates. At present, please ask the management team to find that this information is transferred immediately. This post is very mobile, and only 14% of the people can persist.

in terms of staff increase, the insurance company has restrictions on asking the management team to transfer this post immediately when it finds this information. Please ask the management team to transfer this post immediately when it finds this information. This post must sign a letter of commitment, and external recruitment (staff increase) is carried out in the name of the business area or various marketing departments, not in the name of functional departments such as human resources department. The job description in the recruitment notice shall not include the words "customer service staff, secretary, group training, lecturer, trainer, personnel specialist" and other professional back-office positions, and shall not include any information that is inconsistent with the reality, such as "belonging to the company's back-office establishment and enjoying the treatment of formal employees". In principle, there is no basic salary of RMB ×××× (except the rookie plan) or information description that is inconsistent with the actual salary for each recruitment position. After the online recruitment notice is released, the insurance company should review the recruitment notice.

Although there are strict regulations, Director Wang admitted that "asking the management team to transfer this information immediately may lead to irregularities in recruitment", and she showed a notification decision to the reporter. Two people in the company asked the management team to transfer this information immediately. In May, this person was recruited on a website and was punished for being complained.

Both the pre-service class and the new class have passed smoothly. Tamia Liu, a recent college graduate, has become the only employee in the new class who has opened a strange bill (got an insurance policy from a stranger). In the meantime, many students have opened self-insurance policies (buying insurance for themselves), and the premium from a newcomer to a regular job needs 85 yuan.

Tamia Liu was surprised to spend so much money just to become a regular employee, and his director always intentionally or unintentionally offered to make him become a regular employee through self-protection. The director calculated an account for him, spent 8,5 yuan to protect himself, and got 2,4 yuan commission, plus 1,2 yuan basic salary. After 1 days, he surrendered his insurance and returned to 6 yuan, and he could get back 4,2 yuan, only losing 4,3 yuan, and then he could become a full member. After becoming a full member, you can get more insurance policies, get more commissions, and earn money back.

If you want to get more commission for yourself, you should recruit more people and persuade them to protect themselves. By constantly recruiting new people and protecting themselves, you can solve your own task of obtaining insurance policies. If you can get five or six people a month and let them protect themselves, the account director can get five or six thousand yuan without going out to run business.

how is insurance the same as pyramid selling? Is to pull people's heads and let them protect themselves Tamia Liu began to have doubts about his work.

Previously, Tamia Liu thought that his experience could be of great help to college students' employment. One of his teachers also invited him to the school to hold a employment forum for new students.

"College students are not suitable for insurance business." Tamia Liu said.

The relevant person in charge of Jiangsu Insurance Regulatory Bureau told the author that the Insurance Regulatory Bureau is firmly opposed to the insurance asking the management team to immediately transfer this information to mislead the employees with false recruitment notices. According to the regulations, insurance companies are not allowed to buy products as a condition for becoming insurance salesmen.

"I said this because I decided to leave this industry. When I learned the rules of the game in this industry, I couldn't go any further. Because I know that every step I take will be at the expense of my conscience ... "Tamia Liu said.

Further reading: How to buy insurance, which is better, and teach you how to avoid these "pits" of insurance.