I worked as a teacher in Fuzhou for two years, and in August 2007, I switched to the insurance industry to do telemarketing. I still remember clearly that the insurance company asked me during the interview: Why did you give up your stable job as a teacher to do insurance? I said there are two reasons: first, although the work of teachers is good, the salary is not high; Second, I have read many biographies before, most of which started with sales. I think sales can not only experience people, but also have room for development, and it is also the easiest to create miracles. At that time, there was no concept of insurance, only that it was a sales job.
However, the Wenchuan earthquake in 2008 broke my initial understanding of insurance. I remember at an early meeting, the company showed many pictures after the Wenchuan earthquake, and finally presented a photo of the surviving orphans. The company leader said: sudden disaster, the dead are gone, how will the living make a living, especially such a young child? These children in the picture are either sent to orphanages or adopted by caring people. If their parents only took out an accident insurance when they were alive, then this unexpected claim is also a continuation of the special love and responsibility they left their children ... At that moment, I was lost in thought. I thought of my parents. My father died unexpectedly in 2005. Now there is only one mother left. If something happens to me, how will my mother live? So, I immediately decided to buy myself the first insurance: 99.9 yuan per month, 65438+2005, and a return accident insurance that guarantees 240,000 yuan. My idea at that time was simple. In case God invites me to tea one day, the insurance company will pay 240,000 yuan as a filial piety to the mother.
The Wenchuan earthquake in 2008 gave me a new understanding of insurance sales. It turns out that this kind of sales is different from the sales of other products, and it seems to imply more far-reaching significance and value.
Use it, right? What is insurance? What is the significance and function of insurance? What does insurance mean to each of us and each family? Thinking and exploration on a series of problems. I have been engaged in the insurance industry for nine years.
At the end of 2020, by chance, I was lucky enough to have an exclusive interview with Dr. Zheng Ronglu, the godfather of China insurance industry. His interpretation of "what is insurance" made me feel refreshed. He said: insurance is not only a living Buddha, but also a great charity; Insurance uses its scientific institutional arrangement to protect the dignity, love and responsibility of the owner.
I believe that when you hear this, you must have the same question as me:
Why is insurance not only a living Buddha, but also a great charity?
Why is insurance a scientific institutional arrangement?
Why insurance is dignity, love and responsibility.
Before discussing the reasons, I want to ask you a few questions:
First, whether you accept it or not, human beings will certainly face a series of risks such as birth, illness, death and disability. Do you agree?
Second, when risks occur, they must be faced and solved, right?
Third, if our loved ones got a serious illness or accident and needed 6.5438+0 million yuan for treatment, how many solutions would you have?
Use savings, borrow money from friends and relatives, and raise funds. ...
In fact, these depend on human feelings, not scientific institutional arrangements.
1, using savings: it will make the treated person feel deeply guilty and feel that he has dragged down the whole family (so-called? After decades of hard work, I returned to before liberation.
2, borrow from relatives and friends: money does not hurt, money hurts (it may not be repaid later). Therefore, people without insurance and risk may also suffer economic losses.
3. Fundraising: This kind of randomness is greater, and it all depends on the love donation of good people. How much can be raised in the end is uncertain. Like the previous easy fundraising and drip fundraising, it was easy to raise money at first, but it was not easy if there were too many such things.
If you have insurance, all this will be different. Insurance will use its scientific institutional arrangements, not expedient measures, to deal with all the sudden risks of human beings and give the insured a real dignity, love and responsibility.
(As for why insurance is a living bodhisattva, why is it a big charity? We will discuss it further next time. )
I originally wanted to make a living by insurance, but insurance helped me find love, as if I had found the meaning and value of life.
So, in June, 20021year, I transferred from the original insurance sales to our people's livelihood insurance knight team and decided to operate insurance as my lifelong career.
Many customers and friends asked me inexplicably after learning of my transformation: it seems that people's livelihood insurance has never been heard of. Why did you choose this company? Today, I will take you into the people's livelihood and into the knight.
Minsheng Life Insurance Co., Ltd. (hereinafter referred to as "Minsheng Insurance") was established on June 8, 2003 with a registered capital of 6 billion yuan. It is the first national life insurance company with private capital as the main body in China, and it also creates a precedent for domestic private capital to enter the insurance industry. The company has set up dual headquarters in Beijing and Shanghai, and has 26 branches and nearly 700 service outlets throughout the country. By the end of 2020, the original insurance premium income was 65.438+0.25 billion yuan, and the company's total assets were 65.438+0.65438+0.53 billion yuan, making profits for 65.438+0 years in a row. The comprehensive solvency is 309%, the core solvency is 292%, and the company's business rating and comprehensive risk rating are both A-level. The largest shareholder of Minsheng Insurance is China Wanxiang Holdings Limited.
Mentioning Wanxiang Group naturally reminds me of another well-known enterprise in Fujian: Fuyao Group founded by Cao. Because these two groups have several common characteristics:
1 are private enterprises with physical manufacturing as the main body. Fuyao Group mainly produces automobile glass; Wanxiang Group mainly produces "universal joints" for auto parts.
2. Fuyao Group was established in 1987 and Wanxiang Group was established in 1969. Both of them are multinational groups and are known as "evergreen trees" of private enterprises in China.
3202 1.5.4 Cao donated 10 billion yuan to build Fuyao University of Science and Technology; 20 19 Hurun Report Released Lu Weiding, Chairman of Wanxiang Group, became the first good in China with a donation of 4.96 billion yuan; All these fully reflect the social responsibility and responsibility of private entrepreneurs.
It is said that shareholder culture determines company culture. I like Wanxiang's corporate culture: "Tell the truth and do practical things" and its business philosophy: "Do a practical thing one day, do a new thing in January, do a great thing one year and do a meaningful thing all your life". Of course, what attracts me most is that our people's livelihood insurance adheres to a long-term and professional training system.
Perhaps you don't know, the title of "Cavaliers" of our people's livelihood insurance was named by Mr. Lu Weiding, the chairman of our company. Committed to building a high-quality, professional, elite and warm insurance agent team in the industry to meet the market demand for high-end customer service in the future. As early as 20 16, our company signed a long-term strategic cooperation agreement with Dr. Zheng Ronglu, the godfather of China insurance industry, and introduced the "China Chain International" professional training system to systematically train our agents every five years. In my opinion, in today's impetuous insurance market, there is such an insurance company that is willing to calm down, slow down, focus on training professionals, be able to hold its horses and do it quietly, and create a precedent for the transformation and upgrading of China's insurance industry from extensive management to specialization. You say, isn't such a forward-looking and strategically developed company worthy of our trust and entrustment?
This is also the real reason why I still chose to enter Minsheng and Knight after learning about many mainstream large insurance companies in the early stage of transformation.