I don t know if I should continue or stay as an insurance salesman, and if I leave, I will regret it

Hello! I've been working as an insurance salesman for a year now, and from my own experience, insurance salesmen are not that easy to do. We all say we're willing to take on challenging work, but that's not the case when it comes to actually doing it.

Now insurance companies are not short of internal staff or anything, and they recruit salesmen under the guise of internal office. The more salesmen in an insurance company, the better, because the more there are, the wider the range. But those who are salesmen are all going to take their relatives and friends first, and wait until all your relatives and friends are searched, that is, when you leave.

I had an insurance policy for my mother, and after a year I gave him a refund. Some types of insurance companies are easy to pay for and difficult to get paid.

There will always be work, don't be so unconfident, the insurance salesman is the older the more popular, the people around me have done insurance, young people basically have not done it for a long time, I feel that you are still young, find some physical business, and when you are old, interested in doing insurance business, it is not too late to do it, come on.

The first floor is right, there is a lot of work, and the most important thing is to have fun.

The insurance industry is actually quite despised by me.

Like pyramid schemes, what is the use of starting with relatives and making everyone betray their relatives for a month.

Let's go, insurance is like this, because it's too difficult to recruit people, so it's like this, even if it says that the clerk will still do business after he goes in, the current insurance is very good at cheating people, and it's not profitable to do that now, pack it as soon as possible, that's not what ordinary people can do.

Don't give up your own rights for the sake of others. The impact is somewhat, but not huge.

Legal analysis filial piety: Surrender has an impact on the business of the cautious staff, affecting their commission income and assessment.

Situation 1: Surrender during the hesitation periodWe know that insurance has a hesitation period, and the premium can be refunded in full during the hesitation period.

Situation 2: Surrender within 1 year of purchase, we know that there is a loss after the hesitation period, and at this time, the salesperson has already received the first year's commission, and the subsequent commission will not be available, but fortunately, the commission in the next few years is very low, and it will not add up to the first year.

Situation 3: Surrender after 3 years of purchase, if the insurance has been bought for more than 3 years, the surrender has little impact on the salesman, and the current domestic surrender rate is still very high. Since the reform of life insurance rates in 2103, more and more cheap products with good protection have been listed, and many will naturally choose to surrender the products in the past.

Legal basis: Insurance Law of the People's Republic of China

Article 125 The insurer is a unit or individual that, on the basis of the insurer's entrustment, collects the insurer's handling fee and handles insurance business on behalf of the insurer within the scope authorized by the insurer.

Article 132 The qualifications of the insurer are strictly restricted, and the insurer shall not only meet the qualifications prescribed by the insurance regulatory authority and obtain the insurance business license issued by the insurance regulatory authority, but also register with the administrative organ for industry and commerce, obtain a business license, and deposit a deposit or take out professional liability insurance.

Surrender refers to the act of canceling the insurance contract and canceling the insurance policy during the validity period of the policy.

Nowadays, there are many insurance practitioners who have obvious deficiencies in customer development and development performance because they have just entered the industry. In order to be able to make their initial efforts and hard work not in vain, many people usually choose to buy insurance for themselves or their families to accumulate a certain amount of business. You can also earn a corresponding commission to make ends meet.

However, this is also prone to a drawback, that is, one day when you leave the insurance industry, you do not want to continue to pay premiums, and you want to choose to surrender the policy.

Under normal circumstances, the customer applies for the surrender of the policy during the cooling-off period, and the insurance company will refund all the fees paid unconditionally, and no fees will be charged. However, if the policyholder has incurred a cost reduction or realization expense in the sale of the policy, the insurance company will deduct a certain amount of expenses (mainly the commission and management expenses of the insurer). Customers will not be able to get back the full amount of premiums they have paid.

To put it simply, the earlier the surrender and termination of the policy, the greater the loss of the policyholder. It is best to weigh it carefully during the hesitation period to avoid unnecessary financial losses.

Of course, as an insurer, you may generally encounter two situations when you apply for surrender after leaving the job.

1. The insurance company will agree to surrender the policy, but may not refund the premium in full. A fee may be deducted based on the cash value of the insurance for the current year.

2. The insurance company will reject the surrender application. If you insist on withdrawing, you may have to apply through legal procedures or the CBIRC to protect your legitimate rights and interests. From the point of view of health management, everyone is in a situation where the economic conditions are acceptable.

In addition to the types of insurance stipulated by the state, you should still prepare a few necessary policies for yourself (such as life insurance, critical illness insurance, and accident insurance). Although these may seem inconsequential in normal times, they are necessary for future security. A family's resilience is often really limited, and there is no need to consider surrendering the policy unless necessary.

I think it should be possible, because no matter who buys the insurance, they have the right to surrender the insurance, but when buying insurance in the future, you still have to think carefully.

Regardless of whether the person is in office or resigned, he is a policy customer, and his policy can be surrendered, which is the right of the policyholder. Receive protection under the Insurance Act. Surrender is the policyholder's right.

It is feasible, and everyone can refund their own insurance, and this practice is very normal, and there will be certain legal procedures, so it is possible

Yes, if you don't want to, you should go to the local place to handle it, and then tell the other party about your situation to surrender the insurance.

So many people have been fooled, yours can be retreated,? Can you also return? How many people believe that relatives and friends, the insurance they bought is sad to quit, 5 years to 30 years of insurance, friends to fool, sad Pacific.

Personally, I think! Today's sales are not only about quality and service! It's not just about advertising and product appearance competition, it should be more reflected in the role of your corporate brand and product brand!

First of all, sell products, let customers understand the background of your company first! enterprise spirit, etc. In guiding the consumer to the spiritual level from an emotional point of view!

Guide consumers with spirit! This is the highest intangible asset for sale! Through the intangible through the tangible!

To make the most of 30 second marketing! Real 30 seconds marketing doesn't mean getting you to finish in 30 seconds, it's about letting you use 30 seconds to fight for 2 3s or 4 30 seconds! In the middle, use the advantages of the product to win consumers!

Others strive for it unilaterally through material, but you fight for it through both spiritual and material aspects! And you have a bigger advantage than them, and that is the opportunity to do PR! It's a great way to sell! Read more PR books! As the saying goes, one life is two, two is three, and three is everything.

Through public relations, we can achieve a three-way combination of MLM, direct sales and distribution!

In after-sales, you have to innovate yourself! Find the service difference words! Add emotion to the service!

You have to keep one thing in mind! That is, the current enterprise competition is in the final analysis the competition of one industrial chain and another industrial chain, you can only do a good job of the details of such things as your surface, but what about the connotation? Customers are coming step by step, they have come into contact with too many things, including salesmen, details many salesmen have done and done very well, but what about the connotation of reality?

How many salesmen are in place?

First of all, you have to understand your customer's industry, market location, and what are his competitors? The biggest gap between your customer and his competitors is **, and then talk about what benefits can be brought to him with your product, so that your sales will be affirmed and effective.

Details are important, but lack of connotation is the most disgusting element for customers.

Remember 2 points: smile and be confident.

Do a good job of public relations after sale.

Hope my answer helps you :)

Insurance Marketing Problems and Countermeasures - Insurance Marketing Introductory Series No. 4"...... in detailCustomers are the same as us, they also need to breathe to live, dress to keep warm, and eat to have physical strength, so what is there to be afraid of?

Customers need insurance, this is something that must be kept in mind, forget about the rest!

The biggest difference between a good insurance salesman and a bad insurance salesman is in sales skills.

The salesman who has thoroughly studied insurance has swept away all timidity, doubts and worries in his heart.

Insurance salesmen crave the applause and encouragement of their supervisors.

A fool tosses and turns, worrying about many things.