Some insurance companies have several hours of morning meetings every day to set various performance targets. They often change their names without changing their melodies, shouting slogans, and some only occasionally have product training to manage themselves. More ways are to recruit young graduates through the "Gold and Silver Four", but what is advertised is a million-year salary and comprehensive finance. Very tall, but in fact, temporary workers are scrambling to recruit people, and some people develop offline agents to spend money directly to get a similar recruitment, and then the director or online help check to see how people in this circle are and how many resource policies can be developed. Then I went to a lecture on entrepreneurship, which was usually held in a hotel for a long time. There are decades of special security veterans. God tells you how insurance can earn millions a year, and how it can become a great cause, a blessing and a grateful person, because selling insurance helps a customer kneel down and be grateful to himself. At first, you didn't believe it. You've been in the business for a long time, and you don't even know what you said. Just like the lecturer at the Entrepreneurship Conference, you forget what your beliefs are. At present, this kind of agent is a million-strong army, and whoever spits out will drown. It is generally said that insurance is not good. They all lined up to say that your consciousness was low and sprayed you, so I wrote so much that I felt that I would be sprayed to death at the back. I don't aim at anyone, just talk about the status quo of the industry.
3. Next, let's talk about another kind of people in insurance companies, who are also intermediaries, but do not belong to any insurance company, called insurance brokers. The difference between this kind of intermediary is that she does not bind any insurance company, but is a professional third-party consultation. Can sell hundreds of company insurance, consider the problem from the client, choose products suitable for customers from many companies, and take customer demand as the guide. Moreover, this kind of third-party consultation will also have a special policy custody service to help insurance consumers manage family policies, check and fill gaps, and there will also be a special claims team to help insurance customers and insurance companies settle claims, and even help customers go to court when insurance companies defraud insurance. An insurance consumer is weak in front of insurance companies, but for insurance brokerage companies, insurance companies rely on their channels to sell insurance, and they are naturally more emboldened to face insurance companies together with third-party professional brokerage companies. This kind of intermediary will become the mainstream of the future market. At present, the insurance teams in developed countries in Europe and America are also led by insurance brokers, matching products in the market, starting from customer needs, rather than being tied to insurance companies, and charging according to performance commission. Of course, this kind of intermediary has not completely broken the existing insurance agent system, and some people mislead customers for performance. With the continuous recruitment of insurance brokerage service companies, there are more and more such people, and they are uneven.
This month, the China Insurance Regulatory Commission (CIRC) began to conduct an inventory of millions of agents, and cleaned up some people with insufficient qualifications and false academic qualifications. However, if the system of direct selling agents remains unchanged, it will only take a form and be removed in batches. The current situation of the insurance market is that customers feel that insurance is pyramid schemes, and insurance company agents feel good about themselves. Things will go to extremes. I believe that they will gradually move towards the insurance broker model in developed countries, and can really consider the problem from the customer's point of view, from extensive sea tactics to refined and professional operation.
For consumers, as long as they can adhere to the basic principle that insurance is a tool to protect and resolve risks, rather than a tool to invest in wealth management and increase risks, they don't have to worry about being misled by sales to buy wealth management insurance, but insurance is not bought. Insurance is to buy a contract and do business with an insurance company. The size and publicity of the company are not the criteria for selection, but the contract is the only criterion. Hundreds of insurance companies in the market are all approved by the China Insurance Regulatory Commission, providing various insurance products for different customers and families. It's expensive to buy it right or not. If there is a dispute, the CIRC will only judge the contract, not the size and style of the insurance company. They are all the treasures of the CIRC, regardless of size, but regardless of dignity.
Although insurance companies can't go bankrupt at will, they can apply for bankruptcy, and then the insurance protection fund under the CIRC will take over, and all insurance contracts will be taken over by other insurance companies, so don't worry about their own insurance being invalidated. However, if you buy savings dividend financial insurance, the so-called dividend income will be gone, or even a loss. Therefore, you must not use insurance as a financial management tool to increase your own uncertain risks. Insurance is to buy insurance and transfer the risk to the insurance company, not to increase the financial risk for yourself. If you have a product you like, you can buy it through the agent of the insurance company. If you don't have a few, you can find an insurance broker for third-party consultation, choose the products that suit you from hundreds of insurance companies, or find some professional financial management studios to make special compensation plans. In short, this market is too messy. If you buy insurance, don't buy things that don't suit you, and don't cause yourself financial burden, which is not worth the candle.
I said too much inside information, and I feel that I will be sprayed. Not very detailed. The general trend of the industry has gone. Please go easy on millions of agents. I can't swim, and I'm afraid of being drowned by spitting.
First of all, there are only four channels for individuals to buy insurance, and they cannot buy insurance directly from insurance companies. Moreover, no matter which channel the same insurance comes from, the insurance company will ultimately bear the responsibility, and the premium is exactly the same. There is no saying that it is cheap, and there is no case that the insurance company is not responsible.
1. The agent channel, where agents exclusively represent the products of a company, is also the largest crowd in the insurance market, accounting for more than 90% of the total, but the number of people in this channel is decreasing at present.
For example, if you are looking for Ping An, you can only buy the insurance of Ping An's agent. What you can do is try to find a professional and responsible agent and let him serve you. Similarly, if you look for a Ping An agent, he can only sell Ping An products. No matter what your needs are, he should choose the most suitable one from their product library.
Almost all insurance companies will have their own agents. The bigger the insurance company, the bigger the agent, up to one million.
2. Broker channel. Brokers can sell products of many contracted insurance companies. The people that ordinary consumers can reach, except agents, are brokers. The development of brokers is many years later than that of agents, and the number is small. However, the number has increased very rapidly in recent years. I am a broker.
Brokers generally need to communicate with customers first to understand what their needs are, what protection their families need, and their preferences for insurance, and then make a choice in the insurance product library. For example, you usually have to talk to me for at least two hours before you can determine the scope of insurance, the amount of insurance, the payment method and other specific matters (if the distance is suitable, you must meet at least twice). It will be settled in two or three days, which is normal. After all, compared with the payment period of 20 years old, these days are also very short.
3. Online platforms, such as Tencent's Weibo and Alipay's Ant Financial, as well as other Internet platforms and Tik Tok live broadcast platforms that have emerged in recent years.
It is also a brokerage license, which is not essentially different from the above brokerage channels. However, the above channel brokers and customers are one-to-one. If there is any problem, it is more convenient for you to contact this broker directly besides looking for the brokerage company behind this broker. This is one-to-many If you have any questions, you can only find this platform, but you can't contact the people behind it.
The advantage is that the products on the online platform pay great attention to price comparison, and cheap is the key to winning, so we see that most of the products on the platform are very cheap, and some will make the insurance coverage very high. This is also a disadvantage. These products don't last long. They usually sell for a year or two, or even a few months, which is completely different from selling a product online for ten years.
4, telemarketing, that is, selling insurance by telephone, I believe many people have been exposed to this more or less.
Generally speaking, the product liability of telemarketing channel insurance is different from that of ordinary offline channel insurance, and there is no difference between good and bad.
The disadvantage is that it is very convenient for him to find you, and it is very inconvenient for you to find him ... they are all unified outbound calls and have been communicating by phone. How can you find them? You don't even know the phone number of the business person ... Recently, this channel is gradually decreasing.
As soon as the insurance products go on the market, the price is determined. No matter which channel you buy, the price is the same.
In that case, why not buy it from an agent? At the same price, you can enjoy better services, such as answering your questions, giving you insurance advice, helping you with insurance and providing claims assistance services.
So it is very important to find a good agent.
I suggest that you can find an insurance broker like us, which has at least two advantages:
1, he can sell many companies' products, with a wide range of choices and horizontal comparison of products.
2, he bears the corresponding responsibility, misleading, deceptive behavior, he has to bear the responsibility, so generally dare not mess around.
If you are quality control, price control, insurance, find an intermediary. If you are a local tyrant, find an intermediary.
If you are human, there is nothing you can do.
Insurance in the west is very developed and mature. Insurance companies only produce insurance and sell it through intermediary channels. For insurance companies, the cost is lower. For consumers, there are more choices, and each company has its own characteristics.
For agents, there are more products and greater freedom when designing schemes.
For example, a family of three wants to insure 500,000 critical illness insurance and provide accident insurance for millions of medical insurance, but the budget is only 20,000. Many people only know how to live a peaceful country, but no one can do it.
First of all, introduce yourself.
Two men, one in mechanical design, manufacturing and automation engineering, now live in Qingdao, and have worked in a global top three electronic product factory and the first insurance assessment company in Asia. Later, due to the appreciation and personal interest of the current chairman, he entered the insurance brokerage industry.
Ok, let's get down to business. When you have insurance needs, there are three channels to consult: insurance agents, sales staff of insurance companies; Direct selling channels of insurance companies; Insurance broker and insurance consultant of the insured.
Insurance agents and insurers are the same, and the core is to sell insurance policies. Insurance brokers are positioned as consultants. His daily job is to study products and requirements, explain products clearly, help customers sort out requirements, and finally provide a personalized solution that can solve customer risk problems. Therefore, insurance brokers sell services.
So what is the core of an insurance broker?
Many people will fall into this misunderstanding. Insurance brokers have many products, similar to product supermarkets. Solemnly emphasize here!
Insurance brokers do not look for people with products. The core value of insurance brokers is to analyze and quantify the protection needs of customers and put forward corresponding risk solutions. This is a two-way, trust-based, deep-seated and rational communication. Simply put, it is to find or even design products according to the needs of the insured.
Life, many friends will envy, good insurance, more freedom, income seems to be not bad, you can also accumulate a lot of contacts, you can learn a lot of skills and so on. But you must know that to be a qualified insurance broker, you need to have:
1. Learning ability
The insurance industry needs to quickly master the research, comparison and matching of various insurance products (life insurance, critical illness insurance, accident insurance and medical insurance). The product updates are varied and endless, and the iteration speed is very fast.
In addition, there are a lot of laws and regulations to be stored, including insurance law, marriage law, contract law and so on.
2. Moral cultivation
The financial industry is a high-risk, high-yield industry, with frequent industry chaos. As a member of the financial troika, insurance is an intangible and very complicated financial product. Insurance is an extreme game mode in which consumers, a vulnerable group, and powerful insurance companies bet on the safety of their lives or property. In the face of the trust of the insured, you need to have good moral quality, and you need to keep in mind professional norms, industry regulations, various regulatory regulations, and the legal positioning of brokers. At least you should know that you are not an insurance company or an insurance agent. If anything happens to them, they will pat their ass. Unfortunately, it is the insured. If you have a problem, the law stipulates that you should be liable for compensation to the insured.
To sum up, a qualified insurance broker cherishes his feathers very much, faces every policyholder with meticulous and cautious attitude, and never fails to live up to their expectations. The actual situation is that after the client entrusted us, the whole insurance scheme, price and claim settlement have been greatly improved, or even completely different.
The daily work of insurance brokers, like other industries, is also composed of countless small things. In addition to product learning and various trainings, it is nothing more than the following:
1. Policy sorting (sorting out the contents of past policies)
2. Demand analysis (mining customer risk points and quantifying risks)
3. Planning guarantee plan
4. Insurance assistance (understand the underwriting insurance rules and insurance methods of various insurance companies (online, offline, platform, official website, APP))
5. Security assistance (change of policy content)
6. Loan assistance (loan through insurance policy)
7. Renewal reminder
8. Claims assistance (we have a strong voice in front of insurance companies, and our business can account for more than 60% of the same type of business of cooperative provincial insurance companies)
2.9 Legal dispute assistance (there is a powerful legal think tank behind the insurance brokerage company to help you safeguard your legitimate rights and interests when customers need it).
I am an insurance broker, engaged in the insurance industry 13 years, I hope to help you.
This is uncertain. It depends on personal conditions. If you can understand the terms, you can solve the problem of information change, and you can find the right way to claim compensation. You don't need an agent. If you don't understand many aspects, it's better to find a professional and reliable agent.
Insurance agent is not the only best choice. Insurance brokers have an advantage. For the problem of agent vs broker, agent often leads to the choice of large companies and small companies. This metaphor itself is logically wrong. Don't small companies have agents? Don't big companies have agency channels? As for which company is big and which company is small, insurance brokers representing dozens of insurance companies have more say. The concept of stealing can only prove the agent's one-sided understanding of the insurance industry. Understandably, after all, speech confined to one company will be restricted.
Modern commercial insurance is an exotic product. Referring to the development of western commercial insurance, brokerage platform has surpassed the development of agent model. Financial products are different from ordinary commodities, and consumers do not have enough discrimination, so they need analysis and guidance from professionals with objective and neutral positions. However, one problem that has been difficult to overcome in the agent sales model is information asymmetry.
Insurance agents can only sell the products of an insurance company to customers, representing the interests of insurance companies; Insurance brokers can choose the most cost-effective insurance products on the market for customers, representing the interests of customers.
Buy insurance to find an agent or a broker, I believe you will make the right choice!
Nowadays, many people are looking for professional insurance agents, because insurance agents can make the most suitable insurance plan for customers according to their needs and actual economic situation, and provide them with the most comprehensive protection. Insurance City Network brings together agents of major insurance companies in China. You can consult local insurance agents for insurance through Insurance City Network. The process is simpler, the price is more affordable, and the service is more thoughtful.
Why do you need an insurance agent to buy insurance? In this era of rapid development of the Internet, many things are more convenient and quick, and you can solve them through the Internet with your own fingers.
Similarly, many insurance products can be purchased online now, but why do you say that if you want to have a perfect insurance plan, you must find an insurance agent?
1. Everyone has different needs for insurance.
Because everyone's family economic situation is different, age and physical health are different, life stage is different, and the demand for insurance protection is different, so insurance is not bought casually.
Leave professional things to professional people. Insurance practitioners can design a comprehensive and reasonable insurance scheme for you with their professional knowledge and experience according to your actual situation, so that you can avoid detours.
So if you want to buy insurance, you must find insurance practitioners and buy insurance products that really suit you.
2. Insurance practitioners can provide professional services.
Insurance is very professional and has many terms. Many customers complain that they don't understand. At this time, the role of insurance practitioners is reflected.
Professional insurance practitioners have a good understanding of terms and conditions. He can help you explain the terms, let you know your rights and obligations, and feel free to buy.
3. Insurance practitioners can provide all-round services.
Insurance doesn't end when you buy it, but a kind of continuous service, including pre-sale, mid-sale and after-sale services, and every link can't be separated from professional insurance practitioners.
I can provide you with more comprehensive insurance services, such as hospitalization, what to pay attention to, what materials to provide when making claims, reminding you to renew your insurance, and so on. These require professional insurance services.
4, buy insurance, but also need continuous service.
Insurance does not end when you buy it, nor does it happen overnight. It may be 10 year, 20 years, 30 years or even lifetime guarantee. During this period, you will get married, have children, provide for the aged, and your family situation and economic situation may change. So you need professionals to adjust the appropriate insurance plan according to different stages of your life.
While planning the life security system, you can also plan the financial management of your life. No matter what risks you encounter, you can get through it smoothly.
Therefore, when buying insurance, you must find insurance practitioners, who will let you enjoy better service.
Principles of professional insurance practitioners
If you don't sell it or force it, you can buy it if you believe it, or you can't buy it if you don't believe it.
I often send a circle of friends, just to tell my friends:
I've been doing insurance, no exaggeration, no deception,
Consult me and I will answer patiently; Objective analysis.
The pros and cons are all shown, and the choice is yours.
Risk transfer or not, decide for yourself!
The friendship between buying and not buying has always existed, and the risk of buying has been passed on to the insurance company.
If you don't buy it, carry it yourself and cherish it!
Business with heart, honest service!
Please don't wait for danger to come before you think of me.
You must find a professional insurance agent to buy insurance.