Will you go to work in an insurance company?

I have a say. Last year, I worked in an insurance company for one year. At first, it was pushed by a friend. I signed a contract with a basic salary of 2300, plus commission. Holiday on weekends and legal holidays, eight hours a day, plus five insurances and one gold. Generally speaking, the treatment of civil servants is similar, and the company organizes various activities and benefits from time to time. There is a girl in our team, whose after-tax salary is 26,000 yuan on June 5,438+10, which is very powerful in our department, because the salary of sales is unstable every month, but her minimum monthly salary is more than 5,000 yuan. She is an old employee and has worked for more than three years. We belong to telemarketing and don't have to go out on business. The company provides a telephone list, which is only used in the company. In fact, insurance is not necessarily deceptive, because sometimes an indemnity is life-saving money. It's just that when we sell insurance, we tell our customers about the insurance content. Only the good ones will be told, and the bad ones will definitely not be mentioned, just because the customers don't ask and don't read the contract when they get it. Therefore, when there is real accident compensation, they can't pay it, because some terms don't meet, and customers think insurance is deceptive. For a simple example, in accident insurance, eight teeth were lost because of an accident. It belongs to 10 level disability. We only told the customer that the teeth had fallen off, and then the customer didn't read the terms clearly and applied for compensation for six teeth. According to the contract, no compensation was paid. Therefore, to buy insurance, you must first ask everything clearly and understand the terms of the contract. If I understood everything, there would be no such thing as insurance fraud. Finally, as for selling to relatives and friends. Some people in our company do buy them for themselves, their parents and their friends, but I am conservative. My friends only know that I am in an insurance company, but I never sell insurance to my relatives and friends, unless they take the initiative to find me, including the insurance promotion posted in the circle of friends and the labels built, which are only for customers to see (some customers want to consider it for a while, so they add WeChat by the way), and relatives and friends can't see me. I resigned at the end of the year because I didn't like the environment of the insurance company, and I also belong to the type of soy sauce (the salary is not high), so I can't think that there is a problem just because of hearsay, and I only have the right to speak if I have experienced it personally! !

Working in an insurance company is beyond the reach of most people.

I have been an insurance agent for more than 12 years, and I will work until I am old, and my health is not allowed.

Tell me about my insurance experience. In 2007, I had a boss, because my mother-in-law didn't come to take care of the children, so I had to send him back to my hometown to take care of him. I used to be a food salesman and I would travel a lot. I took my child back to kindergarten when he was two and a half years old. In order to take care of my children, I chose this challenging insurance sales job, because I can't travel frequently anymore. At first, no one supported me. My husband directly said that he would not let me find his relatives and friends for fear that I would embarrass him. I run from strangers. Because I have a good personality, my relatives and friends and my husband's relatives and friends learned that I was engaged in insurance and asked me about the purchase. I also made a few strangers, so I started my insurance sales.

Engaged in insurance agency 12 years, with various tastes. I once thought about giving up halfway, but think about my friends who have always trusted and supported me. If I leave, who will serve them in the future? In this way, I worked in Ping An Insurance for 9 years, from ordinary salesman to supervisor, from trainee on-site tutor to four-star tutor, and worked as the head of training function and excellent function in the Ministry, and continued to be a diamond member for more than 3 years. In fact, I am very grateful to Ping An Insurance Company for training me in these nine years. I learned a lot of professional knowledge, improved my teaching and sales ability, and also learned a lot of knowledge other than insurance.

Why did you leave Ping 'an? Because I think Ping An's mechanism (principal insurance) is no longer suitable for insurance agents, and the pressure on the supervisor is too great. Individuals should take the lead in completing their personal performance, and at the end of each month, they should make clear the list for the next month. If they can't achieve it, they will force us to hold the reception out of our own pocket (even if it doesn't work). Newcomers in the team will have an inspection meeting every morning and evening, free of charge, and it is common to stay at 12 at night. Finally, it will be required by the supervisor to complete the indicators. If you don't open a new product bill, you must force yourself to buy self-protection parts; Later, the department manager was an old woman in her fifties. With the help of her sister, she doesn't know how to use people, good or bad. The good supervisor was annoyed by her and gradually left a lot. In such an environment, people feel depressed and uncomfortable, so I left my job.

I later joined an insurance intermediary company and became an insurance broker. I didn't belong to any insurance company, so there were not so many assessment indicators and company compulsion. Because there are nearly 20 companies acting as agents, we need to study more, be more professional, objective and fair. I used to represent a company and said that my products and services were good and my claims were good. At present, the whole insurance industry can find the best recommendation to customers only when considering whose products are good, claims are good, services are good and premiums are cheap. This is the real consideration for customers, recommend the most cost-effective products. Our comprehensive ability is stronger.

Insurance sales work is a real gold collar job abroad, and it is particularly difficult and decent to get on the job. In China, due to the late start, low threshold and uneven quality of personnel, many people with low quality are unprofessional, abrasive and deceptive, which leads to people's bad impression of insurance. The retention rate of this industry is very low. After one year, the retention rate is greater than 10%. After two years, it will be a single-digit retention rate. Ordinary people really can't do it. Without contacts, emotional intelligence, patience and professionalism, it is difficult to persist for a long time.

The insurance industry is now in a transitional period, and the old model is no longer suitable for the current insurance development. The main insurance company must transform and reform to better serve customers and meet their various needs. Independent insurance brokers are the future development trend, and the insurance market needs highly educated and high-quality talents to drive the development of the industry and meet the increasingly comprehensive financial needs of customers.

My daughter-in-law works in Taiping Insurance. To tell the truth, I used to "look down" on the insurance industry and felt particularly depressed. I feel particularly like a pyramid scheme, especially like a liar, but I don't object too much. I thought it would be good for her to just give birth to a baby, fish in the insurance company for two days and surf the Internet for three days, and keep in touch with the society while taking care of the baby (I have been in love with her since then, probably already).

1, I am very optimistic about the insurance industry in the next decade, because the previous wave of rich people bought insurance and immigrants went abroad. However, our generation just started their business in the 1980s and 1970s, and they have some money, but they are in poor health. The demand for insurance is actually very strong. Insurance is not to make money, because insurance is not necessarily a good "investment", but it is definitely. For example, if you suddenly get sick, although you have some money, you may not have that much cash. Need to sell a house, sell stocks below the purchase price, etc? But if you have insurance, it will be different, at least you can guarantee the source of cash you suddenly need to spend.

2. The quality of insurance practitioners is improving, at least in Taiping Insurance. At least the Sichuan area of Taiping Insurance is the best in Taiping Insurance in China, because the boss is a cow (the name is forgotten, haha). Taiping is a central enterprise, which used to focus on foreign business, and now it is beginning to explore the domestic market. Therefore, there are many insurance agents, overseas students, former bosses, former salespeople and talents in Sichuan Taiping. One activity opened my daughter-in-law's eyes. Throughout the process, they are answering questions in fluent and authentic English, which is completely different from our previous concept that insurance companies are just college graduates wearing inferior suits and ties.

3. The income is really good. I didn't expect my daughter-in-law to take 50 thousand in the first month ... but this may be related to her connections and abilities. Before I was with her, she had been working as an assistant to the general manager in a foreign company, so she still had some ability, but I was surprised by 50 thousand yuan in the first month. Although her monthly income is not so stable, ranging from thousands to tens of thousands, mainly taking care of her boss and having a second child, I think this relatively casual working condition is quite good, and she is also lucky. The leader of her group doesn't hold a brainwashing meeting every day (as other groups do), but only goes to the company when necessary, so if she wants to go to an insurance company, she must spend more time investigating the situation of each insurance company.

Nowadays, in order to cultivate employees and attract the feelings of high-end insurance customers, insurance companies often do all kinds of high-quality training, which is still a very good welfare and helpful for their life and work growth.

The above is just a statement, and it may be all wrong. Read at a discount.

Give me another chance, I will never join an insurance company, let alone stay in an insurance company for more than 300 days. During that time, I finally learned everything about insurance companies.

In the eyes of many people, insurance companies earn the most money by working, and everyone can get at least 10000 yuan. The more bills signed, the higher the commission. But, in fact, none of you understand how difficult it is.

The organizational structure of insurance companies is actually very simple, mainly for field and back office positions. The backstage post is mainly responsible for planning some activities and giving reward mechanism, so that the sales team can work hard to sell insurance policies for insurance companies.

The so-called sales team is the on-site team. The on-site team is not the real employees of the insurance company. Insurance companies do not need to pay the basic salary of field teams, so the commission ratio is relatively high, generally at least 30%. For example, the premium of a policy is 10000 yuan, and the field staff can get 3000 yuan. This is the salary of ordinary wage earners for one month.

If a field worker is diligent, he can really earn tens of thousands of dollars easily. However, this is only the appearance you see.

After I left the insurance company, I realized that when I met my old classmates, they all said routines. As mentioned above, the most important thing for an insurance company is the on-site team. My old classmate joined the insurance company and did a good job, earning more than 10 thousand a month.

Suddenly I got a call from my old classmate, saying that it was my birthday and invited me to dinner. When I arrived at the hotpot restaurant, my old classmates asked me directly about my work. At that time, I happened to have a bad day at work. Then he mentioned his job and said that he recently bought a new car, almost 200 thousand. I feel particularly uncomfortable after listening to it.

We both graduated in the same year. It's only been two or three years, and the gap between me and him is getting bigger and bigger. The most direct contrast is the income gap. At that time, I rented it in a small house outside, just a single room of less than 20 square meters. The monthly salary is only 2000 yuan.

Later, he threw out the opportunity to work. He said that the insurance company had an award ceremony to reward him for his positive performance at work. He asked me to participate, and then to receive the prize. Then, I really went. Because he really told me several times, I really couldn't lose face, so I went to the awards conference.

After I went, I saw that my old classmates got various rewards. He said his acceptance speech and felt sorry for his parents. He said he didn't buy a bigger house for his parents. He can only work harder to earn money and sign more insurance policies. After he finished this passage, everyone in the audience was moved and applauded excitedly.

Finally, I was moved. After he stepped down, he finally gave a sentence. He said that the insurance company is recruiting a lot of people and can join his team. He must try his best to help me negotiate the insurance policy and make money together. As a man, I also want to take on family responsibilities like him. I finally agreed to join them and enter the insurance company.

After I joined the insurance company, I realized that there is no basic salary for field staff. However, the words of my old classmates quickly reassured me. He asked me a few words: "Have people around you bought insurance? Your relatives bought it? "

I replied, "No". According to him, what he means is that there are so many people around me who have no insurance and so many potential customers. They are friends and relatives, and their trust must be very good. As long as I visit my friends and relatives more, I can persuade them to buy an insurance and get a guarantee.

Therefore, I didn't care about the fact that there was no basic salary. I think I can overcome all kinds of difficulties I will gradually adapt to the work of the insurance company.

I often send a circle of friends to tell you about the latest new types of insurance. This is what my classmate asked me to do. He said, you must let everyone around you know that you are doing this job. If others have needs, they will come to you for advice. I listened to him and did it. However, they seldom come to me for advice.

After that, I almost spent all my savings. My money has been decreasing since I came to the insurance company. Until later, I still need to borrow money to live. My insurance job is really difficult. I lost all my previous impressions of the high income of insurance companies.

As long as I talk about insurance with others, others will change the subject and let me talk about other topics. I can only say something else in order not to let the chat get deadlocked. After all, I really can't convince myself to believe in insurance. Everyone thinks of illness or injury when they talk about insurance, so they are very taboo about this and don't want to hear how much insurance they have to pay.

Finally, I finally left the insurance company. I stayed in the insurance company for more than 300 days and didn't make any money. I spent a lot of money and owed a lot of money to my friends.

Therefore, if I were given another chance, I would never go to work in an insurance company.

First of all, it must be clear that insurance companies are divided into many different positions:

First, insurance salesmen, that is, insurance salesmen, belong to the field work of insurance companies. The insurance agency contract is signed with the insurance company. The company does not pay five insurances and one gold to the agent. Usually, only a few months to a year after joining the company will you have the responsibility to pay the basic salary, that is, the basic salary will be paid according to the commission you sell insurance, so the main income in the field is the insurance commission. Of course, the current agency system is pyramid-shaped, with directors, department managers and directors.

The second is the backstage of the insurance company, such as the service personnel of the underwriting department, the claims department, the training department and the insurance business hall. In short, all employees in the company except the field belong to the background, mainly those who are responsible for the company's operation and serve the field. They belong to the formal employees of insurance companies, sign labor contracts, pay five insurances and one gold, and get a fixed salary or a fixed basic salary plus a performance bonus.

Secondly, the business scope of the two insurance salesmen is different:

First, life insurance salesmen, as the name implies, are mainly sales people whose main business scope is life insurance, critical illness insurance, accident insurance and health insurance!

Second, the property insurance salesman, the main sales scope is auto insurance, home property insurance, cargo insurance, engineering insurance and other property insurance!

As for whether to work in an insurance company, as an insurance salesman for many years, my suggestion is:

First, engage in backstage work. At present, large insurance companies usually require candidates to have a bachelor's degree or above, and give priority to recruiting fresh college students or social workers with relevant work experience! In strict accordance with the company's recruitment process, the head of the personnel department will be interviewed in the office, and those who pass the interview will go to work in the insurance company. This is an ordinary job, the salary is average, except for the supervision department, I usually don't go to work on weekends!

Second, from other places, a high school education or above is generally enough (there was almost no requirement before, just fill in one, but now it is not enough). Insurance companies operate independently above the department manager level, so the recruitment is carried out by insurance salesmen, that is, "adding staff". Whoever recruits you belongs to its department and cannot be changed!

Insurance salesmen are essentially selling, which is no different from selling houses and cars, except that others are selling real things, which can be touched, seen and tried, while insurance is selling intangible promises and a rigorous financial product, which requires both professionalism and perseverance!

If you meet the following conditions, you can try the career of insurance salesman to challenge high salary:

1, itself recognizes insurance, and recognizes the insurance company culture and sales atmosphere!

2. Strong pressure resistance and self-adjustment ability (all sales are required)

3. Good economic strength (insurance sales is an accumulation process, and the early income may not be high, so the exhibition industry needs extra investment).

4, good popularity, rich connections!

5, the learning ability is relatively strong, and insurance products are constantly changing and adjusting!

6, can bear hardships and stand hard work, and persist, persist or persist!

Next is story time.

I didn't invest in any insurance company when I graduated, and then an insurance company enthusiastically called me for an interview. I made several phone calls in the next few days after expressing my hesitation, added my WeChat, and promised to go and have a look.

On the day of the interview, I didn't attend class temporarily. I didn't expect to call again ten minutes after the interview time and ask when I would arrive. When I learned that I wouldn't go, I blamed me and said I should tell her. The same kind of complaint.

After hanging up the phone, I felt very strange, which was far from the normal recruitment process.

So I wanted to know why, but I was so shocked that I almost fell into a scam. The company is a formal company, and cheating you is also a formal means. What should I buy when I enter the door? Employee insurance, training fee, clothing fee. Whether you are interviewing for administration or security, you will eventually run your business. And the probation period is too long. If you leave early, the insurance and training fees will not be refunded. It is possible that you have been practicing for half a year, so you should pay him back.

It's disgusting that insurance has reached this point. It is better to cheat money than to pick inexperienced college students who are eager to find a job.

Let's tell an incredible story. Father's classmates bought insurance, but because of face, they bought an insurance for their mother. Spend 20000+ a year and pay 10 years. What is the life insurance period? When I asked what life insurance was, I realized that my mother would not get any benefits from this kind of insurance. Only after my mother died can I take out the money and the children can spend it. This system is simply inhuman. That's not all. Father is away on business and calls to buy insurance. The signal on the bus is not good. He said to wait until he got home. I didn't expect that she bought the insurance herself, imitating the words signed by her father when she insured her mother. The down payment was made by herself. Mother is a little angry and can't say anything. She retired. I didn't expect her to let her father sign it back. Because it is not a city, and it is about 200 kilometers away, my mother is completely angry. She asked how she got in and tried to get rid of it. I didn't have time to play with her, and I said something decisive. She just gave up and returned the contract by express delivery. From then on, she changed her previous hospitality and never called again. This insurance clause is wonderful, and it is not critical illness insurance. My mother is ill in hospital and can't report anything. Looks like some kind of pension. It's amazing.

There is another story that makes me completely disgusted with insurance. Neighbor's mother died unexpectedly, and something happened when she caught a cold and went to hang water. This incident dealt a great blow to the neighbor's family, because he was just 50 when he died. This is an unexpected thing, and it is very sad for the elders to go down to the children. At this time, insurance will appear again. Mother bought an accident insurance before her death, and the insurance company paid for it according to the terms. When she bought this insurance, only her mother and husband signed it. When she got the compensation, it suddenly became complicated. First, her spouse and children signed, then her brothers and sisters signed, and finally her parents signed. Time and time again, difficulties angered everyone. The family has been immersed in sorrow. Every time the insurance company asked her to sign it, her daughter would cry and she didn't think much. The insurance company doesn't mean anything about insurance. Instead, it sprinkles salt on everyone's wounds. I have paid the insurance of 10000 yuan and got more than 30,000 yuan in compensation, but the loss of life, sadness and effort are not compensated by the "difference" of 20,000 yuan.

I don't understand why the insurance industry has survived and been supported. I hate insurance. It's really rubbish.

I am now in Taikang Insurance Company, and I like this job very much. Every day is positive energy. Insurance companies have free time, unlimited income and unlimited promotion. There is no basic salary for insurance, and if you pay it, you will have income. If you don't pay, start from scratch every month. There is still some pressure.

Many people say that insurance starts with relatives and friends, which is just what others or even most people will do. And I'm not. I am in a strange market. I don't want my acquaintance to tell me what to do to make his money. I buy insurance for myself and my family. There is no need to condescend as if I were begging them. I don't even mention it to my relatives and friends. If he wants to buy it from you, he will come to you naturally. There is no need to tell them.

I joined the insurance company to buy insurance for myself and my family. I want to know more about it. When I entered the insurance company, I found that the people in the insurance company were quite harmonious, and they stayed in the insurance company without intrigue and full of positive energy. As the saying goes, there is no motivation without pressure. If you want to do a good job, you must make great efforts. Except Sunday, you go to work every morning, go out to visit in the afternoon, or contact customers or potential customers through the internet. It's hard anyway. Now that you have chosen, you should work hard and make progress every day.

Insurance companies in China do three things a year:

1. made a good start (production meeting). Ask the so-called experts and professors to hold several eloquent and inflammatory product briefings, usually in high-star hotels, in the form of cocktail parties and thank-you meetings. Give full play to the highly inflammatory herding effect. There is no such shop after this village. The cracking method is actually very simple. Just think about where the money for his activities comes from. This is not your premium.

Generally speaking, a good start is from June 65438+February to mid-February of the following year, during which 60-70% of the annual performance is completed. The products that start well are all so-called wealth management insurance, but isn't the original intention of insurance protection?

2. The action of speculating and stopping selling is the anchoring effect. It is always said that the sale will be stopped on an unprecedented scale, and the premium will rise sharply in the future. All returned critical illness insurance will become the same consumer insurance as auto insurance. It's easier to crack this trick, just wait and see if the new one is as he said.

The general time is from March to May, don't you believe it? You searched for "2065438+April 2007 insurance price increase", and the result was that the price did not rise but fell, and all the products that were forced to stop selling were infinitely expensive.

3. Recruiting people (also called adding employees) is actually developing offline, recruiting people, brainwashing, letting relatives and friends buy a circle of insurance, and then eliminating them if they can't sell them. How to break this trick? All relatives and friends. It's hard. They may wake up after being eliminated.

"1% is committed to buying insurance, and 99% is committed to increasing the number of employees", which is often instilled by insurance companies, that is, by increasing the number of employees and their relatives and friends buying insurance, the insurance company's surrender rate in the second year is extremely high.

If there is any job, it is sold. Above.

Why?

I think you have read some stories about the personal experience of the Lord, and you should understand!

Of course, you can also read this article "Peace, please give the agent some dignity and rights".

It can be seen that there is a world of difference between the formal back office employees and the field employees of insurance companies!

As we all know, insurance companies are recruiting salesmen all the year round. Why? Is it true that the scale of the company is developing rapidly and there are a lot of business projects? In fact, it is very clear to dig deeper: in fact, insurance salesmen are hard to recruit! then what Magic!

In insurance companies, it is called "adding staff": such as recruiting "reserve manager", "customer service personnel", "after-sales service personnel" and "insurance agent". They are actually salesmen. They will let you start as a salesman before you get promoted. At present, the increase in the number of insurance companies is very fanatical. They will try their best to get you to apply for an insurance, and encourage you to start with yourself and your relatives and friends. If you do well, then your employees will also benefit; If you have all the resources and contacts around you, and then you can't do anything, then the next batch is waiting for you to replace you, and so on.

Generally speaking, most people in insurance companies take two paths: issuing insurance policies and developing organizations. Those who take the first road become sales managers, etc. People who take the second road become enterprise managers. But no matter which way you go, you must make a list!

Of course, we have to admit that the original intention of its insurance is our safe and reliable guarantee mechanism! But at present, the practice of insurance companies and their salesmen, for the sake of performance and commission, has not played the role of insurance protection for us at all, but has been brought into the pit! This is also the reason why everyone is commenting on domestic insurance companies and spitting!

So, to be honest, I refuse to do insurance, and I will never go to work in an insurance company! !

Welcome everyone's attention: one gram of thought

I used to be an insurance salesman and worked in an insurance company for three months. Yes, I studied for a week for textual research.

First of all, the insurance company is a promising and profitable industry, but the public's impression of the insurance company still stays in the 1970s and 1980s, so there are exclusions and exclusions. With the strengthening of crisis awareness, people began to gradually recognize insurance and buy insurance. So the insurance industry is a profitable industry.

The current personnel structure of insurance companies. Two lines, internal personnel of insurance companies, product development, promotion and theoretical training. They are full-time employees of insurance companies, with five insurances and one gold, and may be better paid, with high salary, stable income and higher welfare.

The other is insurance business, which mainly sells insurance. Insurance companies give them insurance policies, they sell products and manage sales teams. They have complex personnel and strong professional ability. Super training ability, can sell vegetables, open small shops, housewives, can be trained into sales elite, super white-collar income, elite life. I was in this system before, and basically no one in our class earned more than 10,000 yuan a month. There are countless old ladies with a monthly income of 350,000. It's just that newcomers are inexperienced and earn less money, so it's hard to stick to it. Some of our young colleagues here want to improve their social skills, some want to experience life, and some want to support their families part-time. Hahaha, because this system does not belong to the company, it is particularly mobile. Income is in direct proportion to your own business. Generally speaking, income is unstable, welfare is low and work pressure is high.

I can't insist because I really don't like their lifestyle. Are accidents and major diseases. I'm so scared, so I advise you not to refuse and accept it seriously. Finally, I wish everyone good health.