Want to know if New China Life is a bancassurance policy? Is there a base salary and a raise? What d

Hello, bancassurance means bancassurance, which is an insurance product that is specially sold in banks.

I am the insurance department of Xinhua Insurance Bank.

I can give you a good explanation.

New China Life is not a bancassurance because New China Life is not just a bancassurance.

Second, the bancassurance department of Xinhua Insurance has a basic salary, and his income is composed of a basic salary + commission + year-end bonus.

It should be emphasized here that the basic salary is adjusted every three months, and the company will determine the basic salary for the next quarter according to each person's performance every quarter.

If you have any questions, you can continue to ask me questions.

In fact, it is the first person who sells insurance, but they used to sell it in the bank, so they are called bancassurance, referred to as bancassurance, but recently the state stipulates that insurance company salespeople are not allowed to sell insurance in the bank hall. This kind of work has no basic salary, no social security, no labor contract, does not belong to the employees of the insurance company, and only has a civil relationship with it.

How can anyone have ah, don't talk nonsense if you don't understand, bancassurance is a bank ** insurance salesman, but outside Hubei Xinhua, bancassurance personnel have a basic salary and benefits, in addition, you may not know, bank sales insurance, not required by insurance companies, is required by the People's Bank of China, because you can make money, in addition, Chinese banks purely survive by indiscriminate charges, so many outlets and so many employees, who feeds ah, how to discriminate against insurance companies like this, really servile,

Hello: People will face countless choices in their lives, and I once read a book "Are You in the Right Position?" It is said that choice is greater than effort.

You are a fresh graduate, just stepped into the society and faced a choice in life, here in the spirit of responsible for you to help you analyze: 1. When choosing your first job in life, the choice of industry is particularly important, whether this industry is a sunrise industry, whether there is a large enough platform for me to display my talents, or can get good training opportunities to improve myself and lay a foundation for the future, etc. To put it simply, you can either make money or you can accumulate.

There is no doubt that the insurance industry is a typical sunrise industry, and the platform is big enough, and the industry is no problem. 2. Choose the right industry and the right person, and I think it's more important to choose the master. There are thousands of teams in the insurance industry, and there are not many really good teams, so a good master will take you, and you will avoid many detours.

To sum it up, it is one sentence: choose the right industry and the right person! Let's help you analyze bancassurance, bancassurance is just a sales channel for insurance companies, it belongs to the bank part-time business**, you will work in the bank every day, and all aspects of the bank have to deal with the relationship, very exercised.

Bancassurance salesmen in the insurance company belong to the back-office establishment, sign a labor contract, have five insurances and one housing fund and a basic salary, and sales commissions, but lower than individual insurance. Bancassurance products do not require a high degree of professionalism, and the single product is relatively simple, so the pressure of learning product knowledge is not great, the key is that the pressure of sales and competition in the same industry is relatively large, and the relationship with the bank is very critical, you are just entering the society This aspect is estimated to be your biggest problem. So your choice of a good master is crucial for you, she must pave the way for you.

You can ignore the comments on the insurance industry, if the reputation of the insurance industry is so good, it is estimated that there will be no chance for you to enter, just like the civil service examination is as difficult to enter, and everything has two sides, the quality of the industry's comments has nothing to do with you, and it will not affect the development of the insurance industry, and it is difficult for the state-supported industry not to develop.

Look at the region. The salary of the bancassurance in Kunming, Yunnan is: trainee 500+ normal commission (4% regular payment, single payment, trial 980+ normal commission, 1120+ commission for formal account managers, anyway, the higher the salary.

There are also economically developed areas where the basic salary will be a little higher, but the achievement will be relatively low.

There are two types, one is that the bank staff is doing (taking the bank's basic salary), doing long business, and the insurance company pays him a commission according to the commission ratio.

The other is that the insurance company is stationed in the bank, and there is also a job subsidy (I don't know how much), and the rest are calculated according to performance, and the performance takes the lion's share

Insurance is sold in the bank, to make it clear, many people are reluctant to buy, do not explain to them to do it, they will return it if they know, compared to making a single easier, but the task is heavy. It's better to be a lecturer, improve quickly, and have a wide range of social contacts. In the long run, I recommend you to go to Xinhua Insurance Seat will be the best.

As long as you are young.

The route taken by Chinese life is stable, if you want to have a good development, you must have a good leadership policy, if you do not have a stable and long-term plan, you can't go far, so the choice of insurance company depends on strength and his philosophy.

The bancassurance business is easy to do, especially the type of Chinese life insurance is still good, and the annual premium is an ironclad fact!!

That's because of the Chinese. Buy things to believe in big brands, so Chinese Shou's products sell well. As a result, how many people smashed their feet for this reason.

Choosing a company is important. Bancassurance is easier to do. It's also more difficult to do. There are many surrenders. Most think they have been deceived.

Bancassurance is equivalent to a fixed deposit, but it has more protection than a fixed deposit, and he will not be affected on the basis of interest floating. Such as 3-year and 5-year terms, as long as you sort these things out clearly and can explain them to customers, it is still very easy to do! Because I was a lecturer at Chinese Life's bancassurance before, it is also my job to do business, and I also have my own business outlets!

The main thing is to fool the people who go to the bank to deposit money into buying your insurance. This one should be eloquent and enthusiastic. However, you must be worthy of your conscience, don't be unspoken by the unspoken rules of interests, and finally make trouble for yourself.

Bancassurance and personal insurance are actually the same, if you do a good job of personal insurance, it is not a problem to do anything. In addition to being a customer yourself, there is another way for bancassurance to do a good job in bank relations and let bankers help you sell. In fact, to put it bluntly, to do insurance is to be a team, if you have been doing it alone, how many years you have no future, if which company can make you the team leader faster, you should choose which, rather than looking at which company is more powerful, to see which company can make you grow rapidly in strength.

Bancassurance and personal insurance are like selling single payments and regular payments. After three years, you should understand. Think about it yourself.

Insurance is Chinese life.

Personally, I think you can go to Ping An to try it first, if you have been in Ping An for 3 years, I believe you are unwilling to leave. The most important thing for salesmen is income, and Ping An has comprehensive finance in addition to life insurance. The space for development, as well as the platform provided by the company, is very large.

Ping An is a comprehensive finance,,Obedient,,This has to be considered.

First, it depends on whether you are satisfied with the current work status Second, it depends on whether you can stick to the business for a long time Bancassurance Relatively speaking, the work is fixed, and the salary is needless to say, it will definitely be better, but the recruitment requirements of bancassurance are higher, for example, there are strict requirements for civil employment and image temperament, not everyone can go if they want to go, I used to do an insurance and also entered the industry from Ping An, and now I am also doing recruitment and business in the bancassurance department of the same company, so I have a deep understanding of personal insurance, as long as people can go, but bancassurance will have certain requirements And the treatment should be better, after you get to know it, you will find that the level of bancassurance employees will be higher, but if the business and team are doing better, and you are satisfied with your work status, then it is recommended not to change jobs.

The key is to see which company has the best development studio for you.

Later you go to the bank.

Deposit don't care about the staff in the bank lobby say any business, you directly take the deposit slip or debit card, take the number and then go to the counter to deposit money, in the bank to fool you is generally the insurance company's bancassurance product sales staff in the bank.

You can surrender within the 3-day hesitation period, generally surrender at the bank's business counter, some insurance companies' products can only be surrendered in the insurance company's business department, when the insurance is paid is to deposit money into your personal bank account, and then sign the policy, when surrendering, your policy will be withdrawn, at the counter for surrender procedures, you will be required to sign the surrender application form and sign on the counter business acceptance form, this is your receipt voucher, three days later, The insurance company will refund the money to your personal bank account, which you can check at that time.

If the money on the personal account has not arrived after three days, you can go to the bank again, and at the same time remember the bank's line number, which bank branch (which branch), did not give you the name of the staff and staff number of the business, the name and number of the insurance clerk, the business processing time, the reason, etc., and then complain to the bank's municipal branch, there is a complaint in the bank lobby, if you still do not solve the problem, then immediately call the local banking regulatory commission to complain ** and the insurance regulatory commission to complain ** complaint.

You have a deposit record in the bank, remember to print the statement at the counter, and then ask the bank to stamp the business and keep the evidence.

Some people feel that they have been fooled into buying insurance, usually because they have not seen clearly or ** people talk exaggeratedly, resulting in a psychological gap after purchase, and it may be because the product is unreasonable, for which I have sorted out some products that are not good enough:Top 10 [Not Worth Buying] Critical Illness Insurance! 》

Since I feel that being fooled is because of the psychological gap, how does the psychological gap arise? Usually because of two situations: unable to make a claim and the income does not meet expectations, let's talk about it specifically:

The first point is the reason why some policies cannot be claimed:

(1) Failure to truthfully inform the applicant

If there is an accident, the insurance company will do everything possible to find out the past medical records of the insured, and the truthful health notice can not be dealt with casually, here is a strategy:What are the tips for health notification when applying for insurance? 》

(2) The conditions for claim settlement are not met

The claim of each policy must meet certain conditions, such as life insurance that will only be claimed after death, and some life insurance companies can pay how much they can pay when making a claim depends on the age of death, which must be seen by themselves. There are some cases where the claim cannot be approved because the information is incomplete, and this ** can be collected:

(3) Failure to see the contract disclaimer

The policy does not cover certain situations, which can be called an exclusion, for example, most insurance policies stipulate that the insured is exempted from driving a motor vehicle under the influence of alcohol.

The second point is that the benefits are not up to expectations

When some people recommend participating insurance to customers, they will say that they can make a lot of money, but the actual income is not necessarily, and the dividend interest rate is floating.

What if you don't want to feel "fooled"? Here are a few tips:

1.Read what is covered:Don't think that insurance pays everything, and make it clear what you don't cover.

2.Check out the claim conditions:For example, some diseases in critical illness insurance are only covered until they reach a certain level, and it is easy to ignore them if you understand these contents clearly.

3.Pay more attention to dividend insurance:Even if a dividend had a good income before, it doesn't mean anything, and it still has to return to the real situation now.

The existence of insurance is naturally due to demand, as long as you pick the right insurance for yourself, you will not feel that insurance is fooling.

If it's really good for you, the IQ of the people who deal with money all day long can be worse than you, and they need to sell you everywhere?

A netizen summed up the fraud techniques of bank and postal savings employees:

The first is to interpret insurance as bank deposits, and selling insurance is to send insurance as deposits, and many people are still confused.

The second is to say that the ten-year insurance is three years, and the five-year and six-year insurance is said to be one or two years.

The third is to exaggerate accident insurance, most bancassurance can only cover accidental death or no accident insurance, but bank employees exaggerate to insure accidents (the implication is that as long as there is an accident, they are insured, deliberately vague words).

Fourth, the income is exaggerated, and the income due to bank insurance cannot be expected at all, but the bank staff exaggerates the income without authorization according to the instructions of the insurance company's personnel, basically saying that it is higher than the deposit, and interpreting the ten-year guaranteed amount as one year, which obscures the customer's hearing and hearing.

Fifth, the cash value on the policy is basically printed on the back of the policy and pasted on the back to prevent customers from understanding the truth and requesting to surrender the policy after seeing it;

It is because people trust banks, post offices and other institutions that insurance companies come up with such an idea.

Set up stalls in banks, post offices, etc., to sell insurance, and you will be mistaken for a new business in these places.

These institutions deal with money all day long, and they will naturally be mercenary and talk nonsense.

Those dividends are theoretically "expected highest" returns, which are based on the annual profitability of the insurance company, which is dispensable and has obvious uncertainties. The content of the contract does not clearly state the specific amount of money to be paid, and just a person's mouth says how high it is, it will be a blank "check" that the insurance company cannot cash. When the time comes, if you don't honor it due to various factors, you will not be legally responsible.

Ordinary people's contracts are not legally aware and are signed at will.

Insurance companies and banks have seized on this weakness to fool the common people. How many of you know the benefits of insurance?

By the way, ask those few netizens who are advocating.

Every day, they set up stalls in banks and put out advertising banners, which are pulled by individuals, and promote insurance under various banners.

Selling long-term life insurance to ignorant old people is said to be higher than the fixed deposit interest rate, and advocating some financial products to ordinary people who have few money and can't afford to pay renewal premiums, and giving them protection.

Turning their savings into policies that claim to have high returns but can't be withdrawn in advance is easy to insure and difficult to claim.

Pull a single order to give you a commission, and ask you to take the money out to beat the people in the bank;

You can't sell it, you don't have a penny base salary, and you still post it upside down. Do you think it's worth doing?