-Mark Twain
This is the prologue of the movie Bear, which is a great encouragement to you.
How to define a "real" insurance broker?
The broker here, I define as a real "professional" and "objective" insurance consultant, meets the requirements.
Article 1 18 of the Insurance Law:
An insurance broker is an institution that provides intermediary services for the insured to conclude an insurance contract with the insurer based on the interests of the insured, and collects commissions according to law.
The definition of "real agent" is not sales in the cloak of an agent.
Generally speaking, my definition of "real broker" is very strict. As for how to define it, please see the next chapter.
What is the value of a broker?
65,438+000 consumers and 65,438+000 agents of various insurance companies. Assuming that every customer wants to know the general situation of the insurance market, then each of the 100 customers needs to meet 100 agents, and the number of meetings is (provided that all salespeople are honest):
100 *100 =10000 times
In the proxy mode, this process is greatly simplified. Real professional brokers know all the products and companies in the market, and customers only need to meet one person to see the whole market. The number of meetings is:
1* 100= 100 times
Its greatest value can be summed up in one word, called
Exact matching of "information"
Why are you looking for an agent?
First, save time and don't look for 100 salesman.
Second, it saves energy and does not need to absorb a lot of useless information.
Third, save money, accurate matching saves unnecessary waste.
Fourth, demand customization, according to consumer demand, tailor the most suitable solution combination.
One-stop service, consultation, insurance and claim settlement.
Internet Age
Many people say that it is good to find information online in the Internet age, but are brokers in the Internet age still valuable here?
My answer is
Yes, and more important.
Robert Shiller, winner of the Nobel Prize in Economics, said.
I used to think that the Internet could make information efficient, but the information explosion made it even more inefficient.
Anyone who has studied a little economics knows the efficient market hypothesis.
When the market information efficiency is extremely high, assuming that everyone can learn first-hand information, no one can make money from the stock market.
With the advent of the information age, does the efficient market hypothesis hold? Not exactly. Economists are surprised to find that due to the explosion of information, the dissemination of "effective information" has become more difficult, because the market is full of all kinds of noise, making people still in chaos.
Similarly,
The insurance industry is also facing the same situation. Internet makes information spread faster and faster, but most of the information on the Internet is noise. In this "live" network age, I have seen many strange industrial miracles.
A "conscience" marketing number that criticized "product orientation" actually put a "best * *" product link at the end of the article.
A professional grandfather, in order to prove his point of view, does not hesitate to distort facts and logic.
An insurance platform known as "national conscience" publicly kicked him and his friends out of the service group because of reasonable complaints from customers.
……
This is an impetuous industry, including most of my colleagues in internet plus.
The attitude of not being responsible, not serving and leaving with one vote will only deepen the public's distrust of this industry.
Of course, there are good and bad. I am glad that in this impetuous era, I am not alone. Similarly, there are many colleagues with initial intentions and ideals who are struggling with me.
This is a bad time, and this is also a good time.
As an idealist, I just want to do one thing, that is.
Tell everyone what the truth is.