Originally from the public number: Sincere a insurance
Originally link: why insurance companies have been recruiting?
Who is recruitingHave you ever had such an experience: looking for a job, open the job site, almost all of which are such recruitment information, look at the cloud, do not know the recruitment in the end is a position, and even do not know in the end is a company of what.
If you put your resume into one of these job postings, you'll get a lot of calls after a while.
XX insurance company or XX comprehensive financial group of personnel specialist called you, and then invited you to the company interview. Which is the best insurance company, I just happened to organize the relevant content, I hope it will help you: the latest list! Top 10 insurance companies in the country
I submitted two random resumes, and I was impressed by one of the calls, where a girl on the phone told me that they were a comprehensive financial company.
My first thought was that this is insurance, or some kind of security insurance.
The girl originally said: we are a certain An integrated financial, not insurance, we mainly do car insurance and mortgage, and trust and Lu Jinshi and so on.
Now because of the performance and personnel have increased significantly, so want to recruit some people with management experience together *** with the development! At the same time, we have experienced talent is a base salary, generally college is 5400.
Hearing these words, in fact, has basically solved the doubts of job seekers.
First: not selling insurance!
Second: business is very good short of people!
Third: the company's product line is very rich and very good, with car insurance, loans, financial management and so on!
Finally: the company has a base salary!
Honestly, such a good working condition, most people will be moved when they see it, especially the young people who just graduated and don't have any social experience.
But Bao immediately saw the problem.
People who have never done insurance can't imagine that a newcomer to an insurance company can be recruited and called "self-built team, self-employment", which means developing a downline, pulling heads, and then getting a single policy for the downline, and then getting a commission for themselves.
Paul has seen a very few peers, not much of their own single, relying on the interests of the team can also live a very moist.
Many people are more resistant to selling insurance, and the head is not good to pull, so sometimes they will be recruited first according to the position of the clerk, logistics, and then slowly to the sales guide.
The above statement is very classic and must have been practiced and modified by many people to come up with the optimal program.
And the phone call of the little girl she is not safe, she is just one of the salesman hired by the temporary workers (assistants), so her behavior does not represent the company, that is to say, she and you say all the words, even if all the recordings are also completely no law can protect you.
As long as you go to the company, you will be allowed to participate in briefing sessions, newcomer training, etc., by conveying to you how noble the insurance industry is, how high income to brainwash you, transform you, and ultimately to realize that let you come together to sell insurance.
So, it is not the insurance company that is recruiting at all, but the agents of the insurance company and the assistants of the agents, and even the person who is recruiting you may be a newcomer who has just entered not even a few days yet.
Why recruitIs there a shortage of people at insurance companies? Actually, insurance companies are not short of people.
They are not short of employees, they are short of customers.You think an insurance company recruits employees? Wrong, actually he recruits customers!
Because of the lack of basic financial education in our country, many people lack understanding of insurance.
Therefore, it is hard as hell to get people to take the initiative to buy insurance. At this time, it is necessary to educate people, is also is to make people understand the meaning and utility of insurance.
Newcomers to the insurance company, the first few months are training.
The talk is about the various benefits of insurance, how life is full of risks, how important it is to manage risks, and how everyone needs insurance.
The training can be seen as not training newcomers as employees, but as customers.
After the training, basically everyone will be more agreeable to the insurance (and those who don't, will naturally leave).
Combined with the "influence" of some of the older agents around them, it's easy for newcomers to buy insurance for themselves first.
That's not all, they buy it for themselves and then their families buy it for them.
We all have relatives and friends, and many of them will buy insurance from you as a favor, just to support your work!
The relatives and friends of the insurance are sold out, almost half a year or so past.
When you realize that the sales bottleneck is encountered, the insurance company's old agent will give you said: in fact, selling insurance is not profitable! You see the company's so-and-so director, is selling insurance to do out? No! They all do team, let the team to help you make money.
Doing insurance, the real money is to develop their own agent team.
Then in is each director and manager, to give you to share personal success.
Make you feel as if you just have to go and do it, you can go to the top of life like them. This time, they will let you go to do the increase!
Recruit more people like you into the insurance company. Then they will get them to buy insurance themselves and sell it to their friends and family around them.
So on, and so on.
In my own observation, there are three processes of suicide, killing and shedding for most insurance salespeople.
Suicide: after joining, everyone is still just a probationary salesman, forced to performance pressure, only to buy for their families. After buying for the family, it can be corrected, this process can we can be called "suicide". Kill familiar: many people due to limited business capacity, sales can only start from the side of relatives, friends, hoping to generate sales through their past relationship, this process can also be called "kill familiar". Shedding: After "suicide" and "kill familiar", many people still do not have the ability to develop new customers, no performance, no income, but also face the company's assessment, and then began to increase the number of employees, and ultimately can not be recruited, but also can not sell the insurance, so they will be "fall off" and leave the insurance industry completely. The nature of the professionThe scientific name of the sales staff of insurance companies is called insurance agent, and this system actually belongs to an imported product.
In 1992, American International Assurance Company (AIA) introduced the agent system into China, and then insurance agents took root in China in an explosive posture, with generation after generation of insurance agents going forward to drive the rapid development of China's insurance industry.
Many customers, including those in insurance companies, assume that an agent is an employee of an insurance company, when in fact an insurance company insurance salesperson can be understood as a salesman.
Taking goods from the insurance company and getting commission after selling the products, signing the Agency Agreement, not the Labor Contract.
The vast majority of insurance companies do not pay social security to their agents, and many are themselves underprotected.
China's Insurance Law stipulates that an insurance agent is an entity or individual who, according to the insurer's entrustment, collects agency fees from the insurer and conducts insurance business on behalf of the insurer within the scope of the insurer's authorization.
The following is extracted from the official website of an insurance company to explain ↓
The text mainly expresses that the insurance agent is not an employee of the company, has no independent legal status, does not enjoy the employee welfare benefits, and is required to collect business tax + personal income tax.
The "employee system" of the insurance industry has been shouting for several years, and has not yet been realized, and as of January 2018, the number of insurance agents in the country has reached 8 million.
Is an insurance company going to sign a labor contract with everyone, pay a no-liability base salary, and pay five insurance policies?
Unrealistic!
Agents channel size ranked in the top few life insurance companies, at present only know Pacific Life in individual regions have carried out a pilot recruitment staff system agents.
Project name: Golden Magnolia Wealth Management Center
Requirements: college full-time or above, age between 25 years old -40 years old, local people preferred, subject to interview.
Treatment: formal staffing, sign a labor contract, enjoy a base salary of 3000 yuan / month, sales income and performance income in addition, allowances, bonuses, five insurance and one gold and employee benefits.
The above, very few very few people can reach.
So every time Paul encountered those who open and close the mouth of the world's top 500, proud of their own insurance company sales staff, my feelings are still a little complicated.
In response to the insurance industry's brainwashing, loyalty company-style training, a company's 16 years of experience in the field of agent's so said.
Work experienceOn the insurance company to work, in the end, what kind of experience, I think everyone has everyone's feelings, I randomly interviewed a few different insurance company partners.
The following are the descriptions of these partners, which do not represent my views:
Is there much training in insurance companies?
The company I work for has specialized trainers, but more often than not it's the older employees who train the newer ones. The company makes a fancy name for it so that everyone gets a chance to get up on stage and work out. In fact, while saving costs, the quality of training is not guaranteed. The experience of the older employees is worth sharing, but the understanding of many of the knowledge points is not necessarily in place.
The morning meeting of the insurance company is the most unacceptable to me, the original feeling of the financial industry is quite serious, while the insurance company every morning to sing a song, dance, and then the host with everyone shouting "Our company is the best! The products are the best! The benefits package is the first in the industry!
Do insurance companies make more money?
Companies often convey the idea that "it's easy, do what you're told, do what you're told, and you'll make a million dollars a year, and you'll be able to replicate the success of others".
So the newcomers to the daily memorization of the speech, playing strange phone calls, go to the office building to sweep the street, I believe that as long as the volume is large enough, there will be a certain success rate. Only, many people later realized that the realization of a million dollars a year, very few.
Selling insurance is generally no base salary, a source of income is their own product sales, the other piece is the sales of the downline commission. The top of the industry does have people who make millions of dollars a year, but there are also people who can't open a single policy for a few months, and it's quite a feeling that one will be able to accomplish a lot of things. In fact, every industry has winner and loser, as long as the ability, which industry have high income people.
In fact, the pyramid structure of the sales force, product-oriented sales, a pot of rough management, is still the driving force of the rapid development of the life insurance market, but also caused a lot of such as wringing towels type of enrollment, mislead the customer as well as the sales staff complained about the main reason for the chaos.
The pyramid structure of the sales force is a fatalistic echo of what is often referred to as the "law of two or eight," where 20 percent of those who climb to the top of the pyramid are successful and have a lot to show for their efforts.
The rest of the 80%, sandwiched in the middle, the ups and downs are unpredictable, can not help it. Those at the bottom are treated like watered-down towels, wrung out and discarded.
However, there is no subjective evil of the sales staff, more helplessness are indiscriminate in the system itself.
We prefer to believe that salespeople enter the industry with good intentions.
The pyramid structure is naturally inclined toward expansion and has little regard for the protection of individual interests and the building of business quality.
It favors value creation for the company over the individual.
Industry gurus say this about the insurance agent system
SummaryThe most important feature of an insurance agent or other retail sales is that as a salesperson, you must have strong social skills.
The customer recognizes the person, not the product, and this is the same whether it is banking, securities or insurance.
So the best salespeople are often locals who have been immersed in society for many years and have a wide range of social connections, and don't need to have much specialization - in fact the more specialization you have, the weaker your sales ability.
As an insurance agent, is it better to put yourself in the client's shoes and be their insurance adviser, or to collectively and unconsciously take the company's side and act as a premium digger for its shareholders?
What should be remembered is that an agent is not an employee of the company, and the interests of the company have nothing to do with us, but the interests of the client are what we are interested in.