From the long-term trend, the disadvantages of the agent model are getting bigger and bigger. The low threshold and high turnover rate doomed the life insurance service of agents to be a false proposition, and only sales could not perform the service for decades or even a lifetime. If you don't have time to think about professional services, it's natural to return the commission, because the professional advice and services you provide are not worth the money at all!
The systematic assessment of the actuarial pyramid in the Basic Law has made everyone want to stop, and the number of team leaders has been increasing. Recruitment is to attract customers, and the agency system is not a labor contract system. Newcomers 13 months retention rate is less than 10%, and 3 years retention rate 1%!
The team leader of a single insurance company will always be passive unless it evolves into a systematic company system operation, and the middle and high-end customers are stable in operation, unable to accumulate their own market-oriented brands, and weak in negotiating with the insurance companies they represent. The assessment failed, and the losses were heavy! It is extremely difficult to realize the stable development and inheritance of the cause.
In the long run, it is a trend for general insurance products to go online. The cost performance of Internet insurance products, payment methods, convenience of experience, frequency and convenience of customer consultation and interaction, popularization of insurance knowledge and traffic conversion are all more advanced and superior than the offline agency model, and backwardness is inevitable.
Complex insurance products really need in-depth communication, but it is difficult for offline agents to continue mass production because of high cost and difficulty, and it is not so easy to bill 2 yuan per month. It's only a matter of time before they eat the self-protection part to the limit and are forced to fall off.
Unless there is a stable high-end customer channel, it is necessary to improve the freight forwarding ability in the future. Lawyer's freight forwarding insurance, doctor's freight forwarding insurance and part-time long-term freight forwarding insurance under the main business situation are all feasible choices. McKinsey's research report touches people's hearts. China insurance industry has obvious part-time characteristics statistically. Full-time insurance requires you to have special skills, take a long-term view and focus on the professional value of customer needs. Please choose carefully according to your own situation.
I have been in the business for 1 1 years, and this problem still bothers me! No matter how many achievements we have made, the social recognition is too low, and we people are still a group of insurance runners in the eyes of others! There is no guarantee, coupled with vicious competition, commission rebate, lagging insurance agency system and unreasonable company management system, which makes me feel that it is tasteless to abandon food, but it is a pity to abandon food and insist on continuing to eat!
The insurance industry is too vain. In order to get in touch with customers' loans, it has to buy high-end cars, install frontispiece first, and spend a lot of money to buy a list that I don't know when it can be sold. The input-output ratio is seriously out of balance! All kinds of classes are reported to customers through this medium! If you are impetuous, you can learn anything, all by utilitarian heart! For nodes, plans, assessments, promotions, and all kinds of self-purchase orders, this is what many poor insurers have experienced at present, thinking that simple, obedient and doing can be as successful as the people you look up to! In fact, times have changed, vanity can only bring physical and mental fatigue, and down-to-earth is the way to survive!
Since you are in finance, or from a business point of view, you have to calculate the profit-loss ratio, right? 2 million in 6 years, spending nearly 400 thousand every year, with an average of 40 thousand a month. I don't know where the subject lives. Suppose 40,000 yuan a month in Ningbo is quite expensive. That also includes the premise that I have no income myself. Since you can do it for six years, you must have achieved something, otherwise you would have been assessed long ago. If I calculate my income as 20. 1 ten thousand years, I usually spend more every month. Is it possible to keep these six years by buying my own parts? Or do you usually buy luxury cars and luxury goods for business? After all, insurance companies don't have to rent office facades themselves, and they don't have to ask employees to pay wages. 40,000-50,000 a month is not spent on yourself. If a person can't understand the minimum cost budget, let alone do finance or insurance. What a pity! I used to know that direct selling has direct selling refugees. If you attack others like this now, you will be insuring refugees. I think a minimum economic account is not counted, and everything is lost! Maybe other industries lose more!
I have been engaged in the insurance industry for more than 20 years, and I have been engaged in internal management positions for a long time. I would like to give you some suggestions. After domestic insurance stagnated 10 for many years, at the end of 1970s, the country established the only people's insurance company. At that time, the slogan (now called propaganda) was to protect people.
Since the early 1990s, Ping An, Pacific, Xinhua Life Insurance and Taikang Life Insurance have been established one after another. At this time, the insurance market has also been subdivided and will become the first company and property insurance company. First of all, life insurance companies imitate the insurance development of the United States and Taiwan Province Province of China, and combine the actual situation of our country to introduce a new development model-the agent system, that is, the commission is extracted according to the performance without paying labor costs.
From the beginning, it was an opportunity to promote the explosive growth of life insurance, that is, 1997 and 1999 cut interest rates twice. Prior to this, the highest annual interest rate of banks in China reached 10.98%, and the scheduled interest rate of insurance was 8.8% because of its long-term nature. For example, the "wedding payment" insurance that my child bought shortly after birth only paid 65438 a month.
The subsequent development of the insurance industry is to expand manpower, that is, crowd tactics. The examination is becoming more and more strict, and you need a list every month to pass the examination, so you can't do without brainwashing training in insurance, visiting skills, marketing skills and demand stimulation skills ... A series of systematic sales skills training is launched at each stage, and everyone has the opportunity to be promoted. Take the management route and get all kinds of allowances, so develop the team; The insurance industry has become more and more refined and high-end from the initial rough management. Since the early 1990s, a large number of laid-off workers have been recruited. Nowadays, elites do insurance, customers are getting more and more high-end, and more and more people pay thousands, so there are many high-income business people.
Back to your question, I think it has been done for six years. If you do well, you can get a lot of foreign debts of 200 million yuan from the renewal commission, and you can pay off the insurance without profit. So, unless you don't behave well and muddle along, as long as you behave well, you won't ask such questions. Look at customer classification and sustainable discovery by yourself, and position your future.
Just in the circle of friends, there is a picture of her own income of 20 19 insurance business personnel. Send it to inspire you.
Luo Dapang said in his New Year's speech: An insurer is either desperate or stunted.
What kind do you belong to?
Is the debt of 2 million related to insurance? You are in debt because you have been insured for six years? All the money in debt is insured?
If so, it means that there is something wrong with your own financial quotient. You can't manage your own finances well, and you want to help your customers manage their finances. [Laughing] [Laughing]
There is no upper limit on insurance income, so you don't need to invest the principal yourself. It is only an agent of products, and it is a low-cost and low-threshold venture. Only the agent's product is "insurance", that's all. If there is a cost, it is the investment in expanding customers and maintaining customer relationships. I cann't believe you're in debt of 2 million [laughs] [laughs]
That means you are suitable for simple jobs and get a fixed salary every month.
If it is because of the loan to buy a house, it is normal. In a low interest rate environment, it is wisest to use bank money.
As long as your income is enough to pay off your living expenses and you have a surplus, it means that your income is ok and your debts can definitely be paid off.
Why are you in debt of 2 million? You have been in the life insurance industry, and you get a commission if you have a bill. If you don't have a bill, you won't get a commission, but you don't have to be in debt. Can you say that you have bought a lot of insurance?
In fact, the most taboo to do insurance is to buy a lot of insurance for yourself to fill in the performance, but this time may be meaningless. In that case, I suggest you find a job to support yourself first. If the insurance industry can't let go, you can work part-time. Now, not all banks require employees to work full-time. As long as your performance passes the examination, you can actually have multiple identities. Now everyone is here.
As for the insurance already bought, I suggest that it can be handled in batches. If it is a wealth management type, let's see if there is no need to pay an annual fee like universal insurance. If there is a burden, I can suspend some other insurance first. If it is a consumer, it depends on whether it can be surrendered and whether it is necessary. Other insurance can choose to reduce the amount and pay off. I believe you have many ways to operate yourself.
Insurance is a good thing, ok, but not too much. People who do insurance also think that insurance is a good thing, but now insurance is very familiar and goes deep into people's lives. But not all people will choose insurance, because there is a threshold for choosing insurance, so many people want to buy it, but they can't buy it because of physical conditions. Some people are healthy, but they can't buy it without money, so sometimes they can't just listen to others. What can really persist is actually going through some twists and turns.
Insurance is a part of life, and insurance is more about family asset allocation, so just look at your family asset allocation structure first, find a job first, make money in a down-to-earth way, and then want to return to the insurance industry later.
I want to know what to do with an insurance debt of 2 million. . .
Professional brokers and independent brokers are the general trend, and compliance, specialization and neutrality are indispensable. Otherwise, the insurance industry is just a low-key industry that cheats with love and responsibility. Even if the industry is booming, the model is wrong and people are not good, it is useless. The rapid expansion of China's domestic insurance industry also benefited from the agent model introduced by AIA in 1990s, but the abnormal development is also the agent model. Because of consumption and overdraft, the original social circle is a solid exhibition model. The main company recruits agents to recruit customers, and the difference is only the average premium.
So, rather than wondering whether you want to continue to stick to this industry, you are wondering whether this industry is worth continuing to stick to. Limited to insurance companies that don't want you to go abroad, or know that there are better ones to guide you "our own is the best", this industry will not make you feel bright.
Bottom line: Brother Xiu!
You really achieved your goal of becoming a millionaire through insurance. Although it is negative, at least you have reached a million, which is also your own ability. Think about it, some people want to owe millions, but it is impossible! As the ancients said, Heaven will be the great task of the Sri Lankan people, and they must first suffer their minds, work their bones and muscles, starve their bodies, empty their bodies, and mess with their actions, so be patient and get what they can't.
Whoever climbs to the top of the mountain must have been to the valley.
But I have a little doubt, that is, how did you get into debt of 1 million when you insured? Do you buy self-insurance every month if you can't finish the task? You can't buy millions of self-insurance pieces yourself! In that case, you are worth a lot. Or do you find your own team, the team task is not completed and then you pay for it yourself? This calculation really costs that much money. But the team task was completed and you were rewarded. How can you owe so much? Even if you don't earn a penny, it's great to spend millions in six years.
So you spend millions to watch customers buy cars and get car loans, invite customers to their homes, buy houses and get mortgages, and add a mess of debts? If so, then you can continue to do it in the insurance industry. After all, you have been doing it for six years, and there must be some customer accumulation. If you sell insurance, the commission is high, and a single order may be hundreds of thousands. And even if you go to other industries, you still have to pay back the money.
Of course, if it weren't for these things, you owe millions, and you'd better change careers! At least have a stable income first, and then transfer to insurance when you have money.
Insurance is an industry that burns money, which can be seen from the process of establishing an insurance company.
Although persistence is victory, the premise is that you are on the right path, and you will almost be devastated if you don't fall to death.
Hello, this friend. After reading your story, I can deeply feel your helplessness. You have worked in the insurance industry for six years and have your own team. You should deeply understand that the team leader is very anxious when it comes to the monthly assessment. As for how to be responsible for 2 million, you know best. If you are in debt because of self-protection or for the following team members to complete performance and other insurance-related things, I personally think you should not do it. Because you are now in debt of 2 million for insurance, if you stick to it, it may be 4 million, 6 million. Don't have any illusions, the reality is so cruel. Liabilities generate interest and must be repaid. If it weren't for insurance, debt would be another matter. In fact, whether to continue or not has an answer in my heart. Debt is hard. I hope you succeed!