What happened when the insurance agent asked you to pull people? Is it a bit like pyramid selling?

Although I am not an insurance company, I have been engaged in credit management in commercial banks for a long time, and I often have contact with the top management of insurance companies because of interbank deposit agreements or some fixed investment plans. At present, the profit growth point of the insurance industry is still premium income, and the main source of premium income is pyramid schemes, and recruitment is only a downline of financial pyramid schemes! Anyone with a little brains knows that the business department is the smallest branch of the company, which is equivalent to the second-level micro-branch or sub-branch of the bank. Have you ever seen a branch or a tier-one branch of a bank have the right to recruit independently? That is, the secondary branch recruits an intern as a waiter, and all of them are recruited and reported by the provincial branch units, and then distributed to the branches! The same is true for the recruitment of insurance companies. Provincial companies generally only recruit once a year, and the job requirements are very high. 2 1 1 Bachelor degree or above in key universities is the most basic. Some core audit, personnel, financial planning or audit positions require graduate students to have relevant qualifications such as examinations or meetings, and then those who have the ability or connections can stay in the branch, while others are sent to the branch to do background work. A small business department, can you recruit yourself? This kind of recruitment is done by the financial pyramid scheme practitioners themselves. There are securities agents in the securities industry and insurance agents in the insurance industry. These are collectively referred to as financial pyramid schemes practitioners. It is said that their pyramid scheme is based on three points. One is to eat offline as the main source of income. Second, there is a strict MLM organization and brainwashing process. Third, mainly rely on fooling people around to make a living.

In fact, the recruitment is the agent affiliated with the business department of the insurance company, and the business department has the right to affiliate the agent. But there is no salary for you. The sales department's own income is only the overall reimbursement amount and the commission of the new premium. So all they can give you is the commission on the insurance you insure yourself. According to them, you can only make money by pulling lists. And this recruitment was actually done online by an insurance agent who just entered the MLM organization! He brings you in, he has a head fee, and he also has a commission on the list you bring in. Because you are his downline. And your first order is your own insurance, with a premium of 10 thousand. Then your family and friends. In the second year, we should get rid of the resources around us. If all of them are surrendered, the overall funds are estimated to lose more than 60%. Because you are offline, it is to let you extract value online. In this case, insurance and securities are the same. The recruitment of the sales department is the cannon fodder of pyramid selling. Unless you have special resources, it is sloppy to use it as a part-time job. I am a junior high school classmate, and my family is related to the Hebei Provincial Animal Husbandry Bureau. I work in the Agricultural Machinery Department under the Provincial Department of Agriculture. Because the breeding pig insurance policy is designated by the local animal husbandry unit, he can get all the breeding pig insurance policies of all the breeding pigs around Shijiazhuang 1 10,000. Others will not talk to the sales department at all, but directly talk to the boss of the new agricultural business department of PICC Hebei head office. A pig's premium is more than 2000 yuan, and he takes more than 40% of the commission. You can calculate the premium of a pig farm with 10,000 pigs. Another agricultural machinery bureau went to work happily and received a red envelope, and the insurance company also gave him a commission! The boss bowed when he saw him! Pure diaosi without resources and background, let's wash and sleep. You have no future for such pyramid schemes. I work in the finance department of Beijing headquarters of Minsheng Bank. Because the financial market business has a little contact with the top management of insurance securities, I know their methods very well. Their regular employees and middle and senior managers say that there are10 million fresh graduates in Beijing every year. If half of them are diaosi, they will recruit them through pyramid schemes to extract value. This is the so-called law of large numbers. The following insurance dogs should not mislead other people's children, but also work in other places, and your mother is outside. An agent is an agent. Only the affiliated relationship has no labor relationship, and you can't claim compensation if you are laid off in the company. Return to Chaoyang industry, Chaoyang your mother!

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.