What should I do if an insurance company violates regulations and operates on blood relationships among employees?

China Youth Daily reported on September 21 that when you open the Nanjing Talent Network and Jiangsu Talent Network, the most eye-catching thing is the recruitment notices of insurance companies. One insurance company has as many as seven or eight recruitment posts, and the recruitment positions are We are recruiting dozens of people for different positions such as customer service staff, reserve cadres, human resources assistants, senior secretaries, administrative staff, financial consultants, sales back offices, insurance agents, and sales elites, with monthly salaries ranging from 1,000 yuan to 4,000 yuan.

Some of the positions, such as grass-roots management cadres, reserve cadres, etc., have special instructions. We warmly welcome fresh graduates to apply and fresh graduates training programs...

Some of the recruiting units are from certain insurance companies The company's Jiangsu branch, some of which are the Nanjing branch of an insurance company, all have the same unit address. Each recruitment notice has a different room number and different recruiters. Some are even in the same room with different recruiters.

No landline phone numbers are included in the recruitment notices, only mobile phone numbers.

Industry insiders told reporters that in fact, many positions do not exist. They are all recruiting insurance business personnel, but they just change their names to deceive people. In some recruitment notices, the name of the insurance company has even been changed to a certain joint-stock company, and the industry it belongs to is still finance and insurance.

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.

In fact, 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 made a phone call, and 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 in the afternoon with a certain supervisor. The address..."

After getting through another application phone number, the reporter asked about the other person's position. , the other party answered that he was a staff member of the Human Resources Department, and asked the Human Resources Manager for details during the interview. He further asked about the landline number, and the other party hung up on the grounds of checking the number.

When I made recruitment calls from other companies, the answers were exactly the same.

The reporter came to an insurance company at the appointed time. The third and fourth floors were all offices of the insurance company. Each office was overcrowded. There was a desk in front of the desk with names written on it, and people were interviewing.

After finding the recruiter, the reporter quickly got a registration form and filled out the application form with a pseudonym and a made-up ID number.

After casually asking about work experience, the recruiter arranged for the reporter to attend a lecture. There were hundreds of people sitting in a large classroom. Many young faces looked like they were freshly graduated college students. One person claimed to be a director. The person described the glorious future of the insurance industry in a mellow tone - "an industry that requires no capital, no need to purchase goods, no product backlog, no cultural level or work experience requirements, but you can make a lot of money."

The interview is also a routine. If you are a fresh graduate applying for a reserve cadre job, the other party will say: Hello. Why choose this industry? Do you have relevant work experience?

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

"Do you think you are qualified for this job? Do you know anything about this industry?"

The answer is usually "don't know", or nothing.

“Why did you come to this industry?” “I want to exercise my abilities.

"

"Then have you ever thought that maybe a management position is more suitable for training a person's abilities? If one day you were asked to manage a team, would you be willing? "

Most newcomers will be willing.

"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? ”

“All successful people in the world started from the grassroots level of business. ”

Graduates will ask: “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 hire an employee who cannot create value for the company. You need to prove your strength..."

The questions are asked very quickly, leaving the applicant no time to think. This kind of application process is watertight, and we first introduce you to the door.

The staff member who interviewed the reporter claimed to be the manager. When he couldn't find the registration form, he started the interview in a room with dozens of tables and 50 or 60 people. There were also many people interviewing in other seats.

Why do you want to do this job? Do you have relevant experience... The questions are the same for everyone. The recruiter repeatedly declares that they do not recruit salesmen, only reserve cadres and other administrative staff, but Each position must start from the grassroots level, with a three-month internship period. During the internship period, you must obtain a policy before you can become a full-time employee. If you fail to obtain business, there will be no basic salary.

The reporter asked about the company's promotion standards, and the other party said. He refused to answer on the grounds of trade secrets, "You will know when you are an employee of our company."

Before the reporter could express his position, the other party said that you had passed the interview and would come to attend the pre-employment class next Monday.

The Trap of Self-Preservation

When you enter the pre-vocational class, the freshman class...and then take the job, another routine trap is waiting for you

"Congratulations, you passed the exam. I got the insurance agent certificate and graduated. ”

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

"You are not a formal employee of the company yet. How will we carry out your management training and ×× training? You must become a regular employee. ”

“The company’s promotion month is almost over, and you see everyone else has become a regular employee. How come you...you don't want to fall behind, do you? ”

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

"I just said it, why did you mean it? Don't regret it. ”

“The rate is very cost-effective. The withdrawal during the hesitation period is ×××, and after one year it is ×××. ”

“Congratulations on becoming a regular employee. The next position is account manager. You have to start building your own team. You need to have two formal team members and complete ×× performance before you can become I am an account executive..."

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 just the same training you have participated in before, and it is still the same old thing.

You can become a regular employee by relying on self-insurance, but to be promoted to account manager, you need to get an insurance policy with a commission of 3,200 yuan. Many people are eliminated after having no business for three consecutive months and losing 4,300 yuan, which takes three days. For more than a month, you have become a stepping stone for others.

The person who became an account manager started his recruitment plan, advertising recruitment, it is the cheapest and most cost-effective online, and he maintains himself by recruiting new people.

Some insurance companies condone agents’ illegal operations

In the insurance industry, the tactic of recruiting new people is often used. Self-insurance will have a lot of insurance policies, and such people are also very popular. Other insurance companies will poach you, and the people you bring with you are your capital.

It is understood that currently there is insurance in Jiangsu Province. There are 49 companies, and 4 are still in the process of approval.

In fact, 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 are recruiting new people. The illegal operations began.

The reporter learned that recruitment notices issued by agents are generally reviewed by insurance companies. However, for the sake of performance, insurance companies have lax control and turn a blind eye to agents' illegal recruitment, and even condone their illegal operations.

“A commission of 30 yuan can reach a monthly salary of thousands of yuan in a few months. The more people you recruit, the higher the position and the higher the salary. In just a few years, someone’s salary can reach hundreds of thousands or even Millions of salaries..." Publicity like this attracts many students who are just leaving school.

The insurance industry has fallen into the 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 protect itself.

“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 industry term is called recruiting, and business growth is achieved by continuously expanding the team.

Director Wang said that because of the blood relationship with MLM, in order to avoid the same problems as MLM, the insurance company has made special regulations for the assessment of agent promotion. For example, the policy renewal rate of the account manager must not be lower than 80, and the policy renewal rate of the business director shall not be lower than 70.

The reporter learned that, in fact, this regulation is not strictly enforced. Many companies only look at performance and not renewal rates. Many employees leave after less than one year of employment, and there is no guarantee of renewal. Contract rate, many performance are self-insured by newcomers and 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.

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.

In terms of adding employees, insurance companies have restrictions on agents. Agents must sign a letter of commitment. External recruitment (addition of employees) is done in the name of the business area or each marketing department, not the human resources department. Recruiting in the name of other functional departments. The description of the position in the recruitment notice shall not contain words such as "customer service staff, secretarial staff, group training, lecturer, training staff, personnel specialist" and other professional back-office positions, and shall not contain words such as "belonging to the company's back-office establishment and enjoying the treatment of regular employees" that are inconsistent with the actual situation. Related information. In principle, each recruitment position will not have a base salary of ××× yuan (except for the rookie plan), or information descriptions that are inconsistent with the actual salary. After the online recruitment notice is published, the insurance company must review the recruitment notice.

Although there are strict regulations, Director Wang admitted that "violations may occur in agent recruitment." She showed reporters a notification decision that two agents of the company had worked in a certain company in May. Website recruitment, punished due to complaints.

The relevant person in charge of the Jiangsu Provincial Insurance Regulatory Bureau told reporters that the Insurance Regulatory Bureau firmly opposes insurance agents misleading employees with false recruitment announcements. According to regulations, insurance companies are not allowed to purchase products as a condition for becoming an insurance salesperson. .

"I told this matter because I decided to leave this industry. When I learned about the rules of the game in this industry, I could no longer go on. Because I knew that every step of the way would be difficult. Every step you take will be at the cost of your conscience..."

A few days ago, Liu Tao (pseudonym), a fresh graduate from Nanjing, told about his employment experience, "College students are not suitable for the insurance business."

In June of this year, Liu Tao, who had not yet found a job, saw a recruitment notice online for a well-known domestic insurance company. There were many job openings, and he planned to apply for the position of assistant manager.

In fact, he has noticed this recruitment notice since April. On the Nanjing Talent Network and Jiangsu Talent Network, there are as many as a dozen insurance company recruitment notices, which are updated frequently, and each recruitment position is filled with new information. As many as forty or fifty.

Although he had heard of scams from insurance companies before, Liu Tao decided to give it a try without any other intention of employment.

After watching a promotional video and listening to a lecture, Liu Tao's view of the insurance industry has changed dramatically, and he believes that "this is an industry with a bright future."

The first and second tests went smoothly. Liu Tao thought it was his excellence and conversation that won the trust of the company.

The pre-vocational class and the freshman class went smoothly. He became the only employee in the freshman class who issued a stranger's insurance policy (obtained an insurance policy from a stranger). During this period, many students opened self-insurance policies (purchasing insurance for themselves), and it cost RMB 8,500 in premiums to become a regular employee.

Liu Tao was surprised to spend so much money just to become a regular employee, and his director always offered to let him become a regular employee through self-protection, intentionally or unintentionally. The director calculated an account for him. If he spends 8,500 yuan on self-insurance, he can get a commission of 2,400 yuan, plus a basic salary of 1,200 yuan. If he cancels the policy after 10 days, he will get a refund of 600 yuan, and he can get back 4,200 yuan. He only loses 4,300 yuan. It's time to become a regular employee. After becoming a regular employee, you can get more insurance policies, get more commissions, and earn back your money.

Liu Tao sings inspirational songs such as "Run Forward" every day, and his colleagues and superiors often encourage him. Liu Tao feels that the working atmosphere is very good.

The situation soon changed. The department manager quit. Because all personnel were recruited independently by superiors, Liu Tao had to follow forty or fifty people to change jobs collectively.

In one month, they jumped to three insurance companies in succession, one of which only stayed for one day, and the other two for half a month each. Because of his outstanding performance in attracting new customers, when he changed jobs, he was promoted three levels in a row by the department manager. He was skipped from being a new employee to becoming a regular or account manager, and was directly promoted to a business director, where he directly faced team management work.

The secret was slowly discovered by him at that time. Under the guidance of his superiors, he opened the Internet like other directors and adopted the more popular online recruitment method. My daily job is to browse the Internet and make phone calls with resumes.

Colleagues who have entered the industry earlier always like to tell stories about their previous recruitment. Their director gave him the nickname "Yoshidao". Newcomers who come here will be quickly convinced by him to insure themselves as long as they pass the insurance agent qualification certificate.

The director happened to be present and talked about the two things he was most proud of. One was an online gamer who was wearing the best equipment. He was convinced by him and went to Shanghai to sell the equipment the next day. Yes, I sold it for 13,000 yuan and came back the same day to protect myself. There was also a recently graduated college student from a rural area who had borrowed money to attend school. He was persuaded to borrow 3,000 yuan to buy self-insurance.

Liu Tao said that he later learned that both of them were eliminated because they did not get any more insurance policies.

Liu Tao knows the price of online game equipment worth 13,000 yuan. Similarly, he also knows how much family pressure a poor rural student has to bear.

In the days that followed, he learned some of the tricks in the industry.

If you want to get more commissions, recruit more people and persuade them to protect themselves. By constantly recruiting new people and protecting yourself, you can solve your own task of obtaining insurance policies. If you can recruit five or six people a month and allow them to protect themselves, the account executive can get five to six thousand yuan without having to go out to do business.

How is insurance the same as MLM? Just to pull people's heads and let them protect themselves. Liu Tao began to have doubts about his work.

The day before leaving, something happened that Liu Tao could not forget: He asked an old director what kind of people we wanted to recruit. The other party asked, "There are two people. One has a good idea, but his family is very poor, and the other has a bad idea, but his family situation is very good. Which one do you want?"

The other party continued to say, of course, the family must be rich, and if the concept is not good, it can be cultivated. But my family is poor, how can I afford insurance?

Liu Tao suddenly remembered a saying that always sounded in the freshman class: When you talk to customers, the customers ask you whether you have insurance? If you say no, how can you talk to the customer?

Previously, Liu Tao believed that his experience could be of great help to college students in their employment. One of his teachers also invited him to the school to hold a career talk session for freshmen.

Liu Tao said, "Insurance is a good industry, but if I were to talk about my employment to my juniors, I would not be able to say a word at that moment."

"College students are not suitable for the insurance business." He said.

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