Then I suggest you take the time to have a look. Perhaps, after reading it, you will find a different insurance industry, because this is the case with me. The longer you are engaged in insurance, the more you love this industry. Of course, I will analyze this article objectively and tell you the pros and cons.
The rapid development of insurance industry
The development of the insurance industry can be described as rapid. For example, we refer to the premium income in recent years:
(The data source is compiled by the Prospective Industry Research Institute of China Banking Regulatory Commission)
Or we take the number of insurance companies established in recent years as a reference:
(The data source is compiled by the Prospective Industry Research Institute of China Banking Regulatory Commission)
We refer to the total assets of the industry:
In fact, no matter which dimension we look at the insurance industry, we can intuitively see that this industry is developing rapidly and continuously.
However, in addition to rapid development, there have also been many industry phenomena during this period. For example, most traditional insurance companies still adopt the "sea of people tactics" and constantly recruit and rob people, but the requirements for the quality and professionalism of employees are low. Although the industry requires high school education or above, the cost of high school education fraud is extremely low. Even some companies don't require a high school degree. These recruited salesmen are actually more like customers of insurance companies. These people are also people who buy the wrong insurance for themselves and their neighbors. Because of their poor professionalism and unclear insurance allocation logic, they naturally cannot provide customers with better insurance planning and rely entirely on human feelings to close the insurance policy. In fact, the main reasons for these phenomena are
Therefore, I personally think that the insurance industry is indeed developing rapidly, but many problems and contradictions have been exposed in the process of development. The most important contradiction is the contradiction between the increasing demand of the people for insurance professionalism and the lack of professionalism of a large number of employees, which has also caused many people to misunderstand and even resent insurance.
Advantages and disadvantages of engaging in insurance industry
I am a long-term activist, and I need 100% concentration in doing things. After graduating from college, I applied for a large national listed company to manage supermarkets and hypermarkets. I went from intern to manager and store manager, and it only took me eight years to work hard. In this traditional industry, progress is definitely faster.
After three years as a store manager, my career has developed to the ceiling, staying in my comfort zone all day and living the same "two points and one line" as providing for the elderly. Obviously, this has deviated from the career development plan I made for myself, so I have been looking for and comparing the characteristics of my own industry, whether there is an industry that can not only influence others, but also reflect its own value and have long-term or even lifelong sustainable development space.
What attracts me to the insurance industry?
Insurance is a mixed industry with many advantages and obvious disadvantages. According to my own concern, then I think the biggest advantage is that doing insurance will make you better as a whole. Although faced with birth, illness and death, it is precisely because of the sadness in the world that we will cherish the good times now. It's not hard to understand, is it? Then what gradually changes is your personal external performance. For example, you will become more caring for your body, you will become more modest and friendly, and you will become more positive and full of positive feedback.
Secondly, insurance is an industry that can compound interest for life. In other words, the insurance knowledge you learned today can be used tomorrow, next year and for life. At the moment when technology is changing with each passing day, this feature can be said to be "once and for all"; In the same way, a customer you clinch a deal today will still be your customer tomorrow and your customer next year. If you have good service quality, he or she will be your lifelong customer. Finally, your more and more skilled ability to talk about orders will accumulate more and more customers for you.
Finally, there is no upper limit for insurance, which is enough for you to put in a long-term struggle. Of course, the return is also very rich. In fact, many times, I think insurance is not a job, but a career. This is just like starting your own business, except that compared with starting a business, you don't need to invest the principal, but you can't invest less energy.
Others, such as insurance, free time, annual salary of millions, etc., just listen. Because if you want to do a good job, it will definitely take up a lot of your time and energy, so you have time to do insurance time. It's just that you can arrange your own schedule, but in terms of daily workload, you can't relax at all. If you don't invest so much time and energy, meet so many customers, make so many insurance plans, or even experience so many rejections, your business volume will definitely not reach. This is an iron law, and no one can fall. Therefore, it is true that the annual salary is one million, but any industry is the 28 th Law, and so is insurance. Only a few people earn millions a year. Similarly, it is directly proportional to the time and energy you spend.
What has happened since I bought insurance?
Accurately speaking, this industry can change many aspects of a person, and all of them have positive effects. Of course, if you want to change, it's never too late.
1. mentally, I don't have to be swayed by considerations of gain and loss anymore. I recall my previous work status. In addition to dealing with difficult problems in work, we must always face complicated interpersonal communication. "Office politics" exists in all enterprises, because there is competition for resources among colleagues, and insurance companies, within each team, have the same interests. Hello, I can. Okay, you can't.
2. Physically, I really want to thank the insurance industry for paying more attention to my body. I can also maintain healthy eating habits and necessary exercise. To tell the truth, I didn't want to work before, but I didn't have time, my off-duty time was not fixed, I often worked overtime, and I had more entertainment after work. Now, I can control my time, arrange my work and life well every day, and try not to affect each other.
At home, I have changed a lot. I really couldn't help myself in my previous job, and I didn't care much about my family and my son's company. Many times I went home and my son fell asleep. Looking back now, I missed many important points about his growth, such as laughing, walking and talking for the first time ... From this perspective, I owe my son something. Since I can control the insurance time myself, I now have a lot of time to spend with her every day. I want to wait until I am old to think of my children. I will definitely have more memories of my daughter's childhood.
What do you think are the disadvantages of the insurance industry?
I've been talking about how good this industry is. What's the problem? I think everyone can actually see that the reputation of the insurance industry and practitioners has not been valued by many people. Although more and more people have accepted insurance now, some people still look at the insurance industry and practitioners with different eyes. I think this is a very prominent problem.
Therefore, as a qualified practitioner, you can't blx, and you should always be prepared to be rejected by others. This is a common phenomenon in all sales industries, especially in the insurance industry.
Other shortcomings, such as the insurance industry has no basic salary, and there is no income if the performance is not good. I don't think it's a shortcoming in a strict sense, because if you don't perform well, you won't be able to do it for a long time. Insurance is a "leftover is king" industry. If the performance is good, you can also achieve high income.
So, is the insurance industry difficult to do? I don't think it is difficult at all! I am an ordinary family, with no right or money, and no resources before I joined the insurance industry. I don't know who my client will be, but I will go all out. If you keep working like me, for example, now, you are still writing articles in the code word 1 in the morning, I believe you can do well! I made a video earlier and thought you could watch it.
What kind of company is Mingya?
First of all, Mingya is an insurance brokerage company. After joining the company, you will become an insurance broker. As for the broker, if you have read the article written by Lao Wang before, you can definitely see it. The broker model is very different from the agent model of traditional insurance companies.
To put it simply: insurance brokers choose the insurance products that are most suitable for customers' actual needs from hundreds of companies and thousands of products in the market, starting from the interests of customers (this point has been clearly written in the Insurance Law). All considerations are customer-centered, which not only has many products, but also has a clear positioning, and is the insurance representative of customers. This is completely different from the agent model aimed at selling their own products, and it is also the place that attracts me the most.
The following video was taken by myself. You can click to watch the content about the identity difference between brokers and agents:
So apart from the broker model, is there any difference between Mingya and other insurance intermediary companies? In fact, as far as Lao Wang is concerned, he has been in Mingya for three years and is not a newcomer. At the beginning, because of the same interests, he took the initiative to be attracted to Mingya. In my eyes, Mingya never represents any insurance company, firmly stands on the side of customers, pursues objectivity, pays attention to the growth and empowerment of company salesmen, and pays attention to business quality and customer reputation. According to industry insiders, Mingya is Qingliu and Mingya.
Mingya's characteristic is that there is no product briefing, because we think that the promotion of products and production briefing will be the positioning and contradiction of brokers centered on customer demand, so we will not publicize or advocate a company or a product, nor will we publicize the production briefing. We will make all insurance companies' product sales commission consistent, truly put customer demand first, and will not promise the sales ratio to the cooperative insurance companies.
Finally, Lao Wang feels it is necessary to tell you about the selection of teams, because Mingya is recruited nationwide, and each team basically has its own set of perfect management systems and training methods. Therefore, it is very necessary to observe whether the operation mode of this team is suitable for you personally before joining the company.
Then there is the Tian Rui Business Department of Mingya Insurance Broker where Lao Wang is located. * * * has 300+ professional insurance brokers distributed in 26 regional business departments and branches across the country. Adhering to the service tenet of "customer first", we provide risk management, insurance brokerage, financial consulting and other services for middle and high-end family and enterprise customers in major provinces, autonomous regions and municipalities directly under the Central Government.
From the perspective of personnel distribution, the post-80s and post-90s brokers account for 92% of the sales department, and they are a young and dynamic team. Team partners have strong learning ability, good at independent thinking, integrity and rigor, and good pressure resistance. They can cope with diverse customer needs and independently solve various complex problems that customers care about.
If you are interested in Lao Wang's team, you can get in touch with me first and have a deeper exchange to see if our team meets your expectations.
Finally, I hope that through this article, you can have an objective understanding of the insurance industry and Mingya brokers. In fact, when you really enter this industry, you will find that although we belong to the sales industry and need to make transactions by signing bills to earn income, the meaning of insurance is obviously different from other commodities, especially when you complete claims for customers, you will definitely feel the "thanks" of customers after they get paid.