Insurance companies get more than 50% commission, why do they still recruit people every day? Still can't keep employees?

Anyone who has been in the pit knows why insurance companies recruit people for a long time. Actually, it's not a recruitment, it's an insurance policy. Some people are foolishly employed. They only trained (brainwashed) for the first month or two, and the salary is still 1000 yuan, so you don't need to issue an insurance policy. After the training period, you get a bill, big or small, as long as you have a bill. How easy is it to bill? You have to buy it yourself, don't you? Why not buy one for the children and the elderly? Here's the bill. Then how many orders and wages can be upgraded every day (brainwashing). You can't pull the list of strangers, you can only harm your relatives and friends, one by one. In the end, relatives and friends were all hurt by the whirlpool, and there was no way to fool them. If you can't make the bill, you'll have to leave. . . Finally, the superiors were fattened, and the family and friendship were black and blue.

Insurance, huh!

I was trained in an insurance company. It's Taikang House. At the beginning, it was agreed that the basic salary was 4000 a month, and there was no responsibility. Later, the old man said no, and the salary of 4000 yuan should be based on personal performance, which means that it can only be invoiced. (And I kept selling products during the training) Later, the interviewer really wanted to have a good performance, so I didn't go because I thought it was cheating. Just to fool them into letting me go to work like this, it will also make me fool customers in the future.

As far as I know, there are the following reasons:

First, false propaganda. Insurance training propaganda deliberately exaggerates the rate of return, and the company's income list is quite different from the actual income of the contract. The insurance agent used this false propaganda to pull insurance, but failed to cash it in the end, hurting the customer and being suspected of fraud.

Second, the pressure is great. Insurance companies will issue tasks every month, not only the number of orders, but also the amount. There is no salary after the completion of the achievement, and the continuous wage income of the previous list is gone. After finishing the last order, I want to make the next one right away. Think about it every day, do it every month, and leave under pressure.

Third, with few resources, it is difficult to lose face. Insurance is to save face and find resources. I searched all my acquaintances. It's time to do some shopping. Find new customers and lose face. So some people are afraid of difficulties and leave.

This is the main reason why the company can't keep people even if it offers a higher price.

It's a customer. Just buy insurance and leave!

The commission of insurance companies can be said to be the highest in all sales industries, with a basic commission of more than 20%, as well as post allowance, management allowance (that is, offline sharing), team income, sales leaderboard income, free global travel to achieve performance goals and so on. The total maximum commission can reach about 40%-50%.

One: the commission of senior insurance practitioners can reach 40%-50%, and the commission of newcomers is only about 20%.

Let me see. Why is the insurance commission so high? First of all, the basic commission is above 20% (some new types of insurance can reach about 35%), which is for all salesmen. Basically, all life insurances have this ratio. Because life insurance takes a long time, most people buy insurance in their twenties and thirties, and children can buy insurance in one month. If there is no claim in the middle, they will have to wait until they are over 60 to get their money back. If you put hundreds of thousands or millions of dollars in the bank for twenty or thirty years, or even sixty years, the interest will have to be doubled. Then it is not an exaggeration to give 20% of the down payment to the salesman. It is normal.

Two: insurance sales contract, the production cost is zero

What's more, insurance sells contracts. Ask the actuary to design the insurance clause contract, which is only printed on a few sheets of paper and the cost is almost zero. Although buying a car, buying a house, buying luxury goods, etc. are profiteering, at least the production cost is needed. The production cost of insurance is zero, which is the biggest secret of high insurance commission.

The insurance salesman at the grass-roots level has a lower commission and is more tired. If there are fewer orders this month, you will have to buy another one if you can't meet the minimum target, otherwise your performance and income will be affected. I know a friend who has been insured for several years, that is, every time he types a performance list, when the performance is not enough, he buys one for his family to make up. A few years later, their family was worth millions.

Three: teamwork, offline commission and stable income.

Because of personal hard work and unstable income, the insurance company will let you be a team. Being a team means recruiting members by yourself, and the company will help you train. You just need to manage and maintain. Does it look tall?

In this way, after the number of team members reaches 35 (+minimum performance requirements), you can be promoted to a higher level, and then you will have an extra job income. This is no different from the promotion and salary increase of any unit, but the insurance is strong. Your employees pay the bill, and you also get the commission. Is this more stable and more income? If you change the team size from 35 to 35, or 350, or 3500, is it higher and more stable? Making money when you go offline is equivalent to lying down to make money. Then you can achieve a fixed performance target every month so that you will not be downgraded. You can always get a commission from the members below the team. This is called fission income-you can get rich quickly.

This mode of making money when you get off the production line is widely used in direct selling teams (this mode is also used in direct selling, which is exactly the same as direct selling, except that direct selling has obtained a business license, and most direct selling teams operate this mode of team fission because the project can't be approved, which is a pyramid scheme liar), and this mode was transmitted from the United States and applied to China, and it has become a direct selling mode in which insurance plagiarized their team commission. Let them go to court by themselves.

With the team model, making money offline can also make money. After multi-level fission, many regional managers can get 40%-50% commission, and their income is very considerable. However, this requires some accumulation. Without the accumulation of three to five years, or even ten to eight years, it is impossible to complete. Many newcomers just come in and fight alone, and there is no way to make more than 50% of their income.

Since the income from insurance is very high, and more than 20% of the income has just come in, why do so many people leave their jobs and how can they not keep their employees?

Four: zero basic salary, no guaranteed income, no basic guarantee-low labor cost.

On-site salesmen of insurance companies implement a zero basic salary system. In other words, if there is no bill this month, there is no money. When newcomers come in, the company will give you training for 3 days-15 days (the training time of each insurance company is different, such as Ping An, Xinhua, AIA, Life Insurance, etc. In the first month, you are not familiar with the business and can't make a single order. In the second month, you haven't expanded your contacts. In the third month, if you don't make the order, you will leave. Can I still do it if I don't open for three months? I didn't earn a penny for three months, my confidence collapsed, my family objected, and I had to leave if I didn't leave.

Of course, newcomers who come in don't bill for three months, but there is still a simple way to solve it, that is, to buy insurance for themselves and their families. Anyway, you have to buy it sooner or later, just start your own business. Maybe you can live like this.

And the training of insurance companies is very consistent. Every morning, we will summarize several hours of pre-job training, and invite outstanding employees with good performance and long-term employees to share their experiences. In short, the final conclusion is: "Accidents are everywhere. If you don't have millions of insurance values on you, you are afraid to go out. " In this way, many people will buy one for themselves, or for their families, or for relatives and friends.

Having said that, we will feel that after three months, the bill has been opened, and there will be income from invoicing. You can survive, right? How can you leave your job frequently?

Five: the performance is zero, and we have to start again every month.

What I'm talking about here is a concept, with zero performance and a new start every month. For those who like to struggle, we live in passionate days every day, but for those who like ease, it is a kind of torture. I don't know where the new moon list is.

Unlike many sales industries, the zero performance of insurance companies is not stipulated by insurance companies, but the future trouble brought by insurance companies' products. Generally, a life insurance (critical illness medical insurance) is enough for a person to live a lifetime. So this customer is one-off, and there will be no next consumption after that. Unlike buying food in the market, you have to eat it every day and buy it again and again. More sales are to get a big customer, long-term cooperation, and always supply products, which can be eaten and drunk for a lifetime.

However, the insurance company will find other new customers after consuming this product at one time. Maybe his family needs it, and so do his friends. I will introduce you to five 10 products, and there will always be a policy. But the circle is so big and there are so many people doing insurance. When will it be the turn of a half-baked insurance salesman to make a lot of orders?

This requires you to keep opening new bills in 1 and 2 years, and you are in danger of not making a penny at any time. Are you tired? Without strong sales ability, will you become penniless at any time and have to leave your job?

After three or five years, or ten or eight years, you will become a professional insurer, and you will be relatively stable and will not fall into the zero-income trap at any time.

It is precisely because of the "zero basic salary" and "zero performance" of insurance companies that insurance companies are the industries with the largest turnover of personnel (only direct sales can compete with them). The rest are the real sales elites. What is eliminated is unqualified. It has been circulating on the Internet that there are 200 million direct selling refugees (including MLM refugees) in China, that is, people who have done it but have not made any money in this industry (the average income is lower than the local wage standard).

And why don't insurance companies change this strategy? This is a pure model of big waves and sand scouring, which has almost no benefit to salesmen. But why do insurance companies enjoy it, recruit people repeatedly, and make great efforts to ask famous teachers to train employees repeatedly?

As I said before, newcomers often can't start their business for three months. At this time, the introduced master will encourage the newcomers to buy one for themselves and one for their families, so that they can stay as long as possible until the fourth month and the fifth month ... to see if there are any changes.

Seeing this, I believe everyone understands that insurance companies recruit customers instead of employees. Almost 99% of people who have worked in the insurance industry will insure themselves (or their families, relatives and friends). During the training, the company said that you can't trust such a good product yourself, and you don't buy it yourself. How can you sell it to customers? So for insurance companies, this is a business that only earns money, and they are willing to recruit people every day and every month, because recruiting people is equivalent to recruiting customers.

What else do you want to say to people who want to engage in the insurance industry or want to join it?

All walks of life vary from person to person, and not everyone can do what he should do. Just like people who have labor to move stones, they also earn a high income. The annual salary of the chairman of the head office of the enterprise is10 million, and they pay 20% of the national tax. It's a pity that you and I have different abilities, and not pursuing others will bring misunderstanding and even negative influence to a few people.

Seventy-two lines, ok. It's all a way to cheat money.

The boss who was beaten by the ghost and the salesman who was running water, I was also cheated on insurance, saying that 800 yuan can have a guaranteed salary and can work part-time. After I went in, I found out that irregular training and irregular participation in activities are sheer nonsense. I learned during the training that the basic salary of 800 is that you have two bills every month. I only trained for three days, and then I was cheated into taking the exam. Nobody expected me to pass. I came in second.

Insurance is really a great invention of human beings, and its essence is very good. You can get more than 50% commission. Why do you still recruit people every day or can't keep employees? First of all, insurance companies have demonized China's insurance system. How high is the insurance profit when the commission exceeds 50%? High profit means high price. Although China is now the second largest economy in the world, once it reaches per capita (sorry, when it comes to being criticized, I am often averaged, or the kind that holds me back), the insurance premium of several thousand yuan a year is far less than that of ordinary poor people. Finally, the professionalism of insurance business personnel. Individual insurance companies pull people's heads in a way similar to direct sales, and salesmen face ultra-high commissions. In order to achieve the purpose of insurance transactions, they often use some deceptive methods to mislead the insured, which leads to a great discrepancy between the promised amount and the actual insured amount, and has buried many hidden dangers of disputes. This is also the main reason for the general distrust of insurance in society. It will take decades for China's insurance industry to be purified, its profits will reach a reasonable level and its trust will be greatly increased before it will be generally accepted. This is why the employees of insurance companies are proud of the true protection of the insured and respected by the world!

An insurance company is a fraud company in a legal coat. When you cheated you into getting insurance, you giggled at an aunt and a sister. Once you take out the money, I won't pay attention to you anymore. Once something goes wrong, it is more difficult to find him to settle claims.