1, the first and second generation engaged in insurance. Around 2000, basically, either cattle people with cutting-edge consciousness joined, or migrant workers and locals, with very few highly educated people and most of them with very low academic qualifications. These people still stay in insurance companies with an annual salary of more than one million, with directors above the level and many team members. There is no data support for those who leave the company, but the estimate has not changed much.
2. The third generation and the fourth generation are engaged in insurance, about 20 10. Because of the business adjustment of insurance companies in 2006, companies led by China Life Insurance and China Ping An adopted crowd tactics, and their management income was greatly improved; Companies headed by China Taiping adopt elite tactics and vertical training to improve individual performance.
At this time, with the improvement of internal training and sales ability of insurance companies, many wage earners and women workers have found their own way out. Of course, there are also highly educated people who join, but the proportion is very low. At this time, the company developed rapidly, the personnel were mixed and the reputation was not very good.
3, 20 17 Up to now, this is a period of insurance sales model transformation. China Life Ping An and others have pushed and occupied more than 80 markets nationwide by relying on agent tactics and excellent sales elites. However, it is also the rise of brokerage companies and sales intermediary companies. At the beginning, many insurance companies developed cost-effective products and separated production and sales.
At this time, the internal competition of insurance companies is very fierce. China Ping An began to optimize its team, from1.4000 to1.65438+0000, while China Life expanded again, reaching 2 million. But most of them are peers, general education.
Brokerage companies, etc. It is also developing rapidly, and it is widely publicized, attracting many highly educated people to enter.
During this period, some part-time or diligent people will be eliminated unless they are people with higher management ranks.
But because of my experience in insurance companies, I have certain sales ability and contacts, even if I go to other industries, I have some advantages.
80% people will leave the insurance industry to do other industries.
10% people will leave the insurance agency and enter the insurance brokerage company.
6% people will work in the office full time.
The remaining 4% are people who have been working in insurance companies and have their own teams.
Without enough patience and funds, the insurance industry can't do it. The so-called patience is that you have to endure months of endless study without charge. The so-called money means that you have to buy self-insurance parts for several months in a row. In addition, insurance is also said to be a financial industry. Since it is a financial industry, it must be verified. Although I can't give you a raise, I can at least give you face.
I have to admit that people who are insured are very handy in other industries. After all, they were really shameless at that time.
I have been engaged in the insurance industry for more than four years. A year's auto insurance claims make my back ache. I am in the car from 8 am to 6 pm every day. Although I say I work every three days, I work every day. There are too many things. At that time, I needed to drive to the repair shop and 4S shop every day to determine the damage.
More than two years of life insurance sales experience has left me in debt of more than 400 thousand. I don't know how I got into debt. I've seen many insurance agents come, insurance companies leave, and then new people come in. Basically, people leave their jobs every day and people come in every day.
I'm still in an insurance company, but I only do auto insurance, because it can bring me income and pay off my debts.
People who do insurance have two results: first, there are many people who make money, with annual incomes of hundreds of thousands, millions or even tens of millions. People with high incomes either stay for ten or eight years or become management.
Second, people like me who haven't made any money and are still in debt, who have found another way out after leaving the life insurance industry.
Why am I in debt when I engage in life insurance and still in the insurance company?
Because I don't have contacts, you need to develop your own customer resources in the life insurance industry. I have just graduated from college for one year, and I don't have any contacts. Many people who enter insurance companies will promote their relatives and friends around them. I didn't do it.
Being a customer stranger for two years, I have accumulated few customer resources and few insurance policies. I often buy insurance for myself and pass the exam, and my income is pitiful. In addition, my family's living expenses and other expenses are unconsciously heavily in debt. I persisted for two years, because I still had the dream of being promoted to management, because my performance was not enough. Although I recruited people, my performance was as poor as mine. I finally realized that it is difficult to stay in the life insurance industry without financial support and resign decisively.
Later, when I was looking for a job, I found myself a college insurance major and worked in an insurance company for four years after graduation. Only then did I find that there was no place for me in other industries, so I found another insurance company and started auto insurance. The company provides customer resources, all of which are prospective auto insurance customers. Slowly, I gradually entered a state where my income increased and my debt was expected to be paid off.
This is my four-year experience in insurance. For insurance practitioners, life insurance needs not only your efforts, but also your extensive network resources and financial support, which may be a blessing or a "hell" for college students who have just stepped into society.
People in insurance companies are very mobile, whether in the office or at the scene.
Back office: 15 joined China Ping An Life Insurance Company of China Insurance Company to do back office work. The salary of back office work is generally not high, and the only advantage may be relative stability. In the past five years in the company, the friends around me have changed a lot, especially the children born after 90 who just joined the company. The biggest change, it is difficult to stay.
Field work: the field team is basically in two directions, with strong professional ability and good network resources, or put down their pride and dare to fight. They don't have to pay the bill in the future, and the commission is high. When it's good, you can cover the salary of a year's hard work. If we can increase the number of employees, develop the organizational structure, and add various management allowances, the income will be very high, and there will be no pressure for hundreds of thousands a year.
Of course, there is another kind that can't save face, has no resources and doesn't work hard. Basically after a few months, he left or retired.
Generally speaking, the sales industry depends on performance, and income is directly linked to performance, and the insurance industry is no exception. Well done, getting better and better. I don't want to jump around and accomplish nothing.
Engaging in insurance is a service to the society, helping people to manage personal risk and financial risk, helping others and achieving themselves, involving tax, law, finance, inheritance and other fields, which requires strong practical ability. The insurance industry is under great competitive pressure and has a high turnover rate. If you want to stand out, you must constantly improve and improve your professional learning ability in order to better serve this industry. As long as you work hard enough, you can do it for 20 years, 30 years or even longer. Engaged in it 15 years.
I, a post-80s Ma Baoren, have a postgraduate degree. I used to work in a university without any sales experience. I have been engaged in the insurance industry for five years and have served more than 400 family and corporate customers. Join the team this year with an annual salary of one million. Although the question of "what happened next" is still inconclusive, I will continue to work hard in this industry for at least the next ten years or even longer.
Five years ago, I entered the insurance industry because I wanted to take care of my family, spare time and realize my self-worth through starting a business. However, unlike most people's choices, I entered a very small group, with less than 1% of insurance brokers, and I am the head insurance brokerage company with the highest threshold in the industry, known as "Liu Qing" and "Xueba"-Mingya.
If it weren't for the professional and consulting service mode of brokers, plus my lofty and frank, I never thought I would come to "sell insurance" one day, and I also gained many fans and customers and became an insurance professional in the eyes of many people.
There is no doubt about the development space of the insurance industry. China is the second largest insurer in the world, but its per capita premium still lags far behind that of developed countries. Over the years, the government's support and publicity for the insurance industry has also been continuously strengthened.
Nearly 10 million people have been or are in this industry, and you can stand out? I think choosing a good track is as important as hard work. Choose a good track, and the chances of success will be much higher than others. Followed by training and team, terms, product comparison, underwriting knowledge, medical knowledge, financial law ... If you are a person who loves learning and is eager for self-growth, you can definitely get great satisfaction here.
But no matter how good the platform is, no matter how good the supervisor is, if you don't recognize insurance, have no feelings and only see money, I don't think you can do it well after all. After all, this is an industry that needs long-term care and establishes long-term relationships with customers.
People who do insurance are very mobile. Sometimes they change people after a period of time. Some people switched to other insurance companies, while others crossed into other industries. However, those who do insurance are also very trained, and most of them are articulate and resilient.
In any case, we should pay tribute to the agents who were and are still in office! Their efforts make today's insurance industry more exciting.
I've been doing it for 25 years.
I used to do insurance, now I do insurance, and I will do insurance in the future. Why? Because my clients have been served by me for three generations, they regard me as their relatives. As a person who is not born and raised, I cherish the trust of customers. Although I have been working for 24 years, I have not made a fortune as you think. My life is still ordinary, and my wife is ordinary and happy. Of course. All this comes from my continuous learning and improvement.