Today I claim to be a certain account manager of China Life Insurance, and he already knows about the one I bought 20 years ago

Many insurance companies recruiting salespeople are attracting fresh graduates in the name of recruiting reserve cadres, human resources assistants, etc. Insurance companies achieve performance by constantly recruiting new people, eliminating them, recruiting new people, and eliminating them again, and by recruiting people to protect themselves, and they fall into the vicious circle of pyramid schemes. Insurance companies are keen to recruit fresh graduates. Open the Nanjing Talent Network and Jiangsu Talent Network, and the most eye-catching thing is the recruitment notice of the insurance company. Among them, one insurance company has as many as seven or eight recruitment posts. The recruitment positions include customer service personnel, reserve cadres, and human resources assistants. , senior secretaries, administrative staff, financial consultants, sales back offices, insurance agents, sales elites and other different positions. Dozens of people are recruited for each position, with monthly salaries ranging from 1,000 yuan to 4,000 yuan. Some of the positions, such as grassroots management cadres, reserve cadres and other positions, have special instructions. We warmly welcome fresh graduates to apply and fresh graduates training programs...

gt; gt; gt; View full text

The reason behind the enthusiasm for recruiting fresh graduates is that they have fallen into the vicious circle of pyramid schemes. "A commission of 30 yuan can reach a monthly salary of several thousand yuan in a few months. The more people you recruit, the higher the position and the higher the salary. Someone is short." In just a few years, the salary can reach hundreds of thousands or even millions..." Publicity like this attracts many students who are just leaving school. The insurance industry has fallen into a vicious circle of pyramid schemes. It constantly recruits new people, eliminates them, recruits new people, and eliminates them again. It achieves performance by recruiting people to self-insure. Just letting new people self-insure will result in many insurance policies.

Is the insurance marketing model inherently deficient?

“The current marketing model of insurance has a certain blood relationship with MLM.” Director Wang from the Jiangsu branch office of an insurance company said that currently all domestic insurance companies implement an agency system with no basic salary, and only a few foreign companies The company implements an employee system and has a basic salary.

The agency system is the initial stage of the development of the insurance industry. There are two ways for agents to be promoted. One is to specialize in business and be promoted through the growth of commissions; the other is to do both business and organize a team. The term in the industry is called recruiting, and business growth is achieved by continuously expanding the team. Director Wang admitted that the agency system is suitable for people with certain social connections, but not for newly graduated college students. At present, the turnover of agents is very high, and only 14 people can persist.

Although there are special regulations, you can't resist the temptation of profit!

Although in order to avoid problems like pyramid schemes, insurance companies have specially stipulated the assessment for agent promotion. In fact, this regulation is not strictly enforced. Many companies only look at performance and not the renewal rate. Many employees leave within less than one year of employment, and the renewal rate cannot be guaranteed at all. Many performance is self-insured by newcomers. The contract cannot be renewed at all. In the insurance industry, there are very few people who can get orders from strangers. Most people get orders through relatives and friends. Due to the fierce competition now, companies are recruiting a large number of new people in order to expand their business. In order to find more people, some companies have begun to operate illegally.

Insurance Company Recruitment Traps Traps of Recruitment Notices

1. Different recruiting units have the same unit address. Each recruitment notice has a different application address, room number, and different recruiters. Some even Just the same room, different recruiters.

2. There are no fixed telephone numbers in the recruitment notices, only mobile phone numbers.

3. In fact, many positions do not exist. They are all recruiting insurance business personnel. They just change their names to deceive people. The position of reserve cadre is the most confusing. Many fresh college graduates think that this is an insurance company recruiting internal staff, and there is no need to apply for insurance.

Four. These recruiters are all insurance agents, and they only have agency contracts with insurance companies, not labor contracts. The employees of insurance companies are called back-office employees, and the human resources department of the insurance company is responsible for recruiting them.

Interview Traps

Recruitment also has a set of industry terms. If you take the initiative to call, just say that there is a job fair this week. Come and take a look first. I can’t tell clearly; if I find your resume online, I will say, I am the human resources department of a certain insurance company. I saw your resume and I think you are qualified for one of our positions (be sure to say reserve cadre, reserve cadre, (Secretarial and other administrative positions, not talking about salesperson), we invite you to come for an interview.

The reporter went to the insurance company for an interview and the whole process: Phone call: The other party said that there would be a job fair that afternoon, and we would talk about it later. And sent a text message, "Hello, I received your resume online. Please come to our company for an interview with a certain supervisor in the afternoon. The address is..."

Interview: If you are a recent graduate applying for a reserve cadre Graduates, the other party said: Hello. Why choose this industry? Do you have relevant work experience?

For fresh graduates, most of the answers are, "no" or "some simple contacts."

"Team management requires an understanding of the company's products, familiarity with the company's operating procedures and understanding of the corporate culture. Are you familiar with our company?"

Graduates will ask: "You You don’t want me to do business, do you?”

“No, we just want you to understand our company’s processes. It is impossible for any company to want an employee who cannot create value for the company. Come and prove your strength..."

The Trap of Self-Preservation Enter the pre-vocational class, the freshman class...and then on the job, another routine trap is waiting for you. "Congratulations, you have passed the insurance agency certificate and graduated."

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

"The company's promotion month is almost over, and you see that everyone else has become a regular employee. What do you...don't you want to fall behind?"

"How about self-insurance (buy insurance for yourself)? , if you buy first and then withdraw during the hesitation period, you will lose very little money, and it will be easy to make it back in the future..."

"The rate is this cost-effective, the withdrawal during the hesitation period is ×××, and it will be ××× after one year. ×××. ”

You can become a regular employee through self-insurance, but to be promoted to account manager, you need to get a policy with a commission of 3,200 yuan. Many people are eliminated if they have no business for three consecutive months. . With a loss of 4,300 yuan and more than three months, you became a stepping stone for others.

The person who became an account manager started his recruitment plan and put out recruitment advertisements. It is the cheapest and most cost-effective way to recruit new people to maintain or promote his position.

Netizens’ opinions Jiangsu netizen: I am from Jiangsu, this article is true, and I have personally experienced it. When I opened the signboard information from various places in Jiangsu, the most common ones are insurance companies. I am targeting the reserve cadres. I went there for a job, and I was asked to attend a lecture as soon as I arrived. After listening for 20 minutes, I knew from my experience that I was fooled and left immediately. After all, I was not a recent graduate from school. Insurance = MLM is absolutely correct! ! !

Beijing netizen: Not only insurance companies, but many companies now rely on recruiting people to survive. According to statistics, companies that recruit people for a long time account for 90% of the so-called talent market. In addition to MLM, such companies In addition to means of sales, companies above 70% basically do not allow new employees to live for more than 3 months. The number of employment statistics increases every time they are recruited, but in fact there is no employment at all.

Jiangsu netizen: At present, recruiting new employees in insurance companies is like scrapping turf. Once your connections are used up, you will be kicked out immediately (in fact, you will leave even if it doesn’t drive you away) , because the system it sets up will leave you with no income). So it’s not surprising that insurance companies now replace 10 or 20 batches of salespeople a year.

Sichuan netizens: This group of scammers, the first step they will ask you to take the "Insurance Qualification Certificate" is actually to issue you the certificate after collecting money! I went to Nanjing from Lanzhou and spent more than a thousand in vain. On the surface, they looked like interviews. They went through rounds of interviews and showed Xinhua Life promotional videos. They were as good as they could be. They also hired a so-called area manager. This manager At first, he said that he graduated from Nanjing University, stayed at the school to teach, and was introduced here by a friend. This place has made his life successful, etc., and then he started to tell you how to deceive people into selling insurance!

Changsha netizen: There is no doubt that the insurance industry is a formal and rapidly developing sunrise industry. It is also certain that insurance companies can train people. However, the key thing is that every industry must strengthen supervision and industry self-discipline.

Netizens’ personal experience: insurance company recruitment traps

A fresh graduate’s career doubts: How is doing insurance like a pyramid scheme

“I’ll tell you this. Because I decided to leave this industry. When I learned about the rules of the game, I could no longer go on because I knew that every step I took would be at the expense of my conscience..." A recent graduate from Nanjing. Student Liu Tao (pseudonym) told about his employment experience, "College students are not suitable for the insurance business." Insurance Company Job Search Experience - My Experience and Lessons The insurance company I applied for claims to be the largest insurance company in China. Indeed, the company's name should be familiar to ordinary people, and they may have a good impression of it. The company's recruitment notice is as follows: Recruiting several reserve cadres, college degree or above, over 22 years old, no limit to male or female, basic salary of 1,200 yuan with commission, the company provides comprehensive training opportunities. This kind of treatment is undoubtedly a big temptation for me, a person who has just graduated and is eager to find a job. Insurance salesman: I deceived my friend and the company deceived me. My first policy business came from my parents. They knew that I became a life insurance agent and they supported my work. When I asked them to buy insurance, they I invested the money without saying a word. Then I would target old classmates, old friends, old neighbors, etc. I would shamelessly buy insurance policies for anyone I could relate to. My performance in the first month was very good. Not only did I receive a basic salary of 300 yuan from the company, but I also received commissions, allowances, etc. alert! The recruitment trap of insurance companies (my personal experience) is that when applicants come, they encourage them to join through "experience" (similar to the practice of pyramid schemes). They tell you what industry they are in and how much they earn per month. How much do they earn per month through insurance? (Meaning to let you use him as a reference) Or the research of analysts says that "insurance sales" (note that the name has changed again) people will be the wealthy people who will be juxtaposed with "scientists" and "private owners" in the future and tell you that "insurance sales" "Sales" is the only choice for ordinary people (I tell you that if you want to make money in this life, you can only buy insurance). Furthermore, you will be asked why some people about your age go in and out of high-end office buildings, wear famous brands, drive sports cars, and eat big meals. Happy and happy life, but you don’t have these (right! Why?)

Extended reading: How to buy insurance, which one is better, and step-by-step instructions to avoid these "pitfalls" of insurance