From 2013 when I graduated from college and stepped into the door of China Life for the first time, it has been nine years since then, and I stumbled out of the insurance industry for a while, and now I'm back. But the imprint that my first job in life gave me, and the satisfaction of my first paycheck, far outweighs all the experiences I've had since. The real enlightenment of the insurance, but also from the beginning of the beginning, although the middle of the hear a lot of people do not understand the insurance, but I always look more open, full of trust.
When I first experienced the provincial and municipal insurance company's internal rotation between various departments, it is part of the understanding of the insurance company's internal, but always in the insurance company inside the circle, never contacted the insurance customer, is a big regret. It is also strange that I miss the most in the archive room of a period of miscellaneous career, the archive room is full of from the company's inception of all the policy information, directly back to the early years of the founding of the country, really do and *** and the country of the same age; at the same time all the policies, the insurance company has always been in the insurance responsibility.
Now to the insurance intermediary channel, turn to do insurance sales for almost a year, directly facing the purchase of insurance customers, and a lot more understanding.
This is the first time that we need to mention the insurance sales agent system,
[if !supportLists]l?[endif]The main thing is the hierarchical relationship of interest: I believe that the vast majority of practitioners are disgusted with it, but there is nothing we can do about it. There's nothing you can do about it. The only real beneficiaries of this system are the profit-makers at the top, and the much larger general sales class is the one being bled. The insurance is often called a legitimate pyramid scheme, most of which is also derived from this, in fact, according to me, the tricks of the pyramid scheme are learned with the insurance, and the apprentice learning is not as good as the master.
[if !supportLists]l?[endif]Another aspect of the agent system, the insurance salesman and the insurance company is only an exclusive agency relationship between the salesman by the insurance company management, but not sign a labor contract. Jurisprudentially, the two are equal partners; practically speaking, they are employees. Although I am engaged in the insurance intermediary channel, but essentially the same with them, only in that we can sell multiple insurance companies at the same time, both in the identity of the status is the same.
[if !supportLists]l?[endif]In order to rely on this path, the state is also promoting the independent agent system, but it has been a lot of thunder and little rain, the insurance companies have never seen any substantial action. I personally hope that the domestic independent insurance agent system can be further promoted, or our intermediary channels can be more extensive influence.
Originally clamor also wrote a lot of dark side of things, insurance in the community's reputation is extremely poor, not without reason, but think, can not say, and deleted. Every industry has its own darkness lurking under the light, as long as these darkness itself will not affect the interests of consumers, there is no need to expose it again, so that it with the development of the industry self-generated it.
However, it is important to mention the benefits of insurance. Insurance is a contract, and as long as both parties to the contract fulfill their obligations according to the agreement, there is no need to worry about the later default - the policyholder pays the premiums on time, and the insurance company assumes the responsibility of paying the claims according to the terms and conditions of the agreement. We as consumers only need to pay attention to the performance of the party's strength can be, in this sense, I have a company plot, I doubt that the performance of some companies, after all, any industry have messed up, out of the dispute in the search for legal help or more trouble.
All in all, I'm still full of hope for this industry, as I've been through it and floated around for a while, I still hope to stay in this industry.
And then talk about me as an insurance salesman, the hope of the insurance product itself
Insurance products are divided into many kinds, the most common is the life insurance and property insurance, I here only mention life insurance, and then in the classification of life insurance under the health insurance, financial insurance, and finally mention the accident insurance.
Health insurance
This refers to medical insurance, critical illness insurance and disease-related insurance, and here I add life insurance with leverage effect. The most prominent feature of this type of insurance is the requirement of health notification, there are certain requirements for the insured's physical condition , if the insured is ill before the policy is taken out, then it will not be able to buy it, or it is possible to refuse to pay the claim at a later stage.
Hope for this type of product
[if !supportLists]1.??? [endif] Insurance companies to screen out anomalies in the form of big data before consumers take out a policy, to eliminate the root cause of failure to tell the truth.
At present, this link mainly relies on insurance sales staff to ask consumers when selling insurance. Many consumers are just ordinary people who have no idea about insurance, and they themselves are not clear about the requirements of insurance companies, and many insurance sales staff will relax their requirements in order to achieve sales results, which results in insurance companies not being able to fully grasp the actual situation of the insured. But in the end, when the claim is settled, the insurance company will take the initiative to investigate the actual situation of the insured ...... Hopefully, the insurance company will complete the investigation of the customer before the customer is underwritten, and if they feel that this customer has anomalies, they will refuse to insure; as long as it is underwritten, the later are responsible for the payment of the claim.
I know this is a little difficult, the insurance law also does not have requirements in this regard, the insurance contract and a maximum good faith contract, other countries have not been able to do this, but if there are insurance companies to take advantage of the advantages of big data, in which can be a little bit of prominence, I believe that it will be better.
[if !supportLists]2.??? [endif] Insurers and health services companies can further collaborate or go down the road themselves to assist customers in managing their health risks or provide assistance in accessing medical care.
[if !supportLists]l?[endif]Frankly speaking, not many insurance customers keep a close enough eye on their own health, human inertia, or not enough expertise to do so. In this regard, it would be better to provide some extra benefits to your customers to attract their attention and enhance their loyalty, even if you give them a gym voucher or a sports voucher on a regular basis. Ping An Insurance allows its customers to increase their insurance coverage for free after reaching a certain number of steps, which I haven't seen any other insurance companies follow up on; DHIC has launched the first health management-type critical illness insurance in China, which allows customers to have health management services immediately after taking out an insurance policy: daily health monitoring, weekly professional health reports, dynamic scientific assessment of the health status of the PAI index, and free monthly consultations with national medical experts, etc. I think it's pretty good. I think it's a good idea.
[if !supportLists]l?[endif] This is something that insurance companies have been doing for a long time, from a few hundred dollars for medical insurance to a few thousand dollars for critical illness insurance. However, in the current situation, the content of the medical service varies, and are added in the form of value-added services, which are not covered in the insurance terms and conditions. From booking appointments, accompanying consultations, multidisciplinary consultations, online consultations, emergency assistance ...... insurance companies have this aspect, but they are all procured third-party services, the timeliness and quality of the service itself is y affected by the procurement budget of the insurance company, although the insurance company's promotional materials are all introduced as a selling point, but when I am selling insurance, I seldom dare to mention these services. Although the insurance company's promotional materials are presented as selling points, I personally sell insurance, I seldom dare to mention these contents, otherwise it is easy to hit the face.
[if !supportLists]l?[endif] Pre-existing conditions are open to coverage, and in order to prevent adverse selection, that is to say, to prevent people from intentionally enrolling in insurance to reimburse the cost of treating old illnesses, the commercial insurance policy does not reimburse the cost of the illnesses of the insured person in the pre-existing condition. While this controls the risk of insurance, it also limits consumer choice and reduces the level of protection for the same premium. According to the last few years, many cities have opened up claims for pre-existing conditions under certain limits, and I think commercial insurance can learn from this.
Financial insurance
Financial insurance insurance is broadly divided into several categories, the current hot sales of the incremental whole life insurance as well as the universal account, has been uninspiring leveraged whole life insurance, annuity insurance and two whole insurance, once the fire of the universal life insurance and dividend insurance, the more aggressive investment-linked insurance. There is a ****same relationship between these types of insurance, all of which are variations on life insurance based on the survival of the insured as a condition of benefits. Understanding the basis of categorization can be a good explanation for these products.
[if !supportLists]l?[endif]For example, if you add a return to a term life insurance policy, it will become a regular whole life insurance policy, and the insured survives to the agreed age, and receives the agreed amount; if this whole life insurance policy also receives a variable dividend income on top of the agreed amount, it will become a whole life insurance policy (dividend-paying).
[if !supportLists]l?[endif]For example, on the basis of whole life insurance, if the death benefit amount has remained unchanged, it is leveraged whole life insurance; if the death benefit amount increases gradually according to a certain percentage, it is incremental whole life insurance; if the death benefit amount increases by an unfixed percentage, with guaranteed increases, and the actual increase has a relationship to the investment return of the insurance company, it is incremental whole life insurance. If the insurance company has a relationship with the investment income, then it becomes a universal account; if on the basis of providing death protection, but also to provide a certain level of protection for critical illnesses or medical treatment, then it becomes a universal insurance; if the insurance payment and the death of the amount of insurance has nothing to do with, but only in accordance with the amount of the agreed fixed payment, then it is an annuity insurance.
In fact, there is no strict distinction between good and bad between these products, and each type of product is targeted at a specific risk protection gap. As a salesperson, I personally make a distinction when selling, for example, incremental life insurance, leveraged life insurance, annuities, and bancassurance with certainty of return, universal accounts and bancassurance (with-profits) with some degree of certainty of return, and investment-linked and universal life insurance with no certainty of return at all.
The only flaw in this type of insurance is that it lies here with the salesperson, and it is very easy for exaggerated promotions to occur, or unclear explanations! This responsibility is also ultimately attributed to the insurance company to emphasize the front-end sales, ignoring the status quo of the after-sales, to sell the product on the line, as for how to sell, often do not care. It is hoped that the late insurance companies in the sale of time, can be clear to sell it, less play some concepts, do more practical things.
Accident insurance
This type of insurance is the most widely accepted type of insurance, very common and ordinary, but also inconspicuous, but the number of disputes caused by a very large number, so I want to put it into a separate category to emphasize.
Accident insurance, as the name suggests, bears the risk of accidents, the core of which lies in the determination of the accident, most of the insurance is now defined as an accident: external, sudden, non-self, non-disease, four elements at the same time to meet the event. It also looks relatively simple, but the use of a very complex, I later one by one example
[if !supportLists]l?[endif]A person with a brain infarction walking on the road, suddenly fell to the ground and died, this is not an accident? How to measure it. If the person fell and died as a result of a cerebral infarction, is this an accident? If the person had a sudden brain attack caused by a fall and died, would this be considered an accident? -Non-disease
[if !supportLists]l?[endif]A person cleaning the glass outside the building was found dead downstairs, then his death was caused by an accidental slip and fall, or was it his own intention to do - -Non-self
[if !supportLists]l? -Non-self
[if !supportLists]l?[endif]A person well in the workplace to work, and then suddenly fell to the ground sudden death, even the hospital did not adhere to, then this accident is not an accident, compensation or not? --Suddenly
[if !supportLists]l?[endif]A man was riding his bicycle on the road, then surrounded by a few people beat him up and ran away, this is an accident, insurance compensation?
As for the accident after drinking, or working at heights, or working in high-risk occupations, etc., there are more, the insurance company will have many reasons to refuse to pay after the incident. At the same time, there are a lot of people in some non-insurance accidents, in order to get claims, will be to the insurance accident on the leaning, a variety of events are endless.
Accident insurance, many salespeople are reluctant to do this business, a person's premiums are only a few dozen or a few hundred dollars, but every year you need to re-renew the insurance, the trouble is not earning money, for this is very often consumers buy their own platform on the network. The lack of intermediary salesperson service, often with some additional misunderstandings. In this regard, I can not think of any better direction of development, hey.
Insurance Broker Overview
The above, I think, is a bit of personal experience and hope.
The insurance industry, unlike other industries, is an industry with strong personal IP attributes. Often, consumers choose insurance out of personal trust in the insurance salesperson, and as a qualified salesperson with the ambition to be in the insurance industry for a long period of time, they will go a long way in this road.