How can insurance salesmen improve their professional capabilities?

As an insurance salesman, how can you improve your professional and business ability? I'm here to give you tips to help you improve your professional skills. As the saying goes, don't fight a battle that you don't prepare, and as an insurance salesman, the principle is still the same.

As a new salesman, there is a misunderstanding, thinking that the insurance salesman is able to speak well, but in fact, it is not the same thing at all, but in an insurance aspect, if it is very weak, it is necessary to use words and skills to make up for certain losses, and it cannot turn things around.

Now there are a lot of books that introduce insurance sales skills and words, which basically talk about the insurance salesman to take the initiative to be enthusiastic, but in reality, many insurance salesmen, can not understand the essence, thinking that enthusiasm is full of smiles, to take the initiative to ride, there are many wrong things are things and opposite, and will have the impact of that news, enthusiasm is not a simple appearance can be expressed, but to do it with heart, right? There is a need to make a product of a company. We often encounter those on the street who are under the implementation of the **, giving them a role, that is, dragging them to an important atmosphere, just to set off the atmosphere, I hope we insurers can not do illegal things, we can get some inspiration from it.

If you are a banking, insurance, wealth management and other industries, you want to have a professional certificate to improve your core competitiveness, establish a professional image, improve service quality, gain customer trust, and obtain an RFP certificate.

For the customer to recognize the certificate is the recognition of the individual's ability, because the certificate is not helpful to the customer, what is helpful to the customer is the ability of the service personnel. Therefore, if you want to be recognized by customers, you must improve your own capabilities.

At the same time, many high-net-worth clients have strong learning ability and professional knowledge, and if your professional ability is lower than that of customers, then customer trust and financial cooperation will be impossible. As the Internet saying goes, you'll never make more money than you know.

The amount of assets of the customer is high, and the professional quality of the account manager must also be excellent.

The RFP certificate and the course are mainly used in two ways, one is the industry authority reflected by the certificate itself, and the second is the self-improvement value derived from learning and research.

The RFP curriculum consists of seven modules: Principles of Financial Planning, Investment Planning, Insurance and Retirement Planning, Taxation and Property Planning, Children's Education and Housing Planning, Legal Wisdom, and Corporate Financial Planning. When I saw this course, I felt that this course was a gradual learning, and the more I went to the back, the more targeted it became, such as basic financial planning starting from microeconomics, to the legal basis of financial planning, to life planning, family and business, residence planning, education investment planning, retirement planning, etc., the logic is very clear, so that I can better start learning, and this kind of learning also lays a solid foundation for the next few courses.

Investment planning is mainly based on financial instruments, insurance and taxation are more targeted planning, and advanced financial planning is more practical, different family types have provided corresponding financial solutions for learning, and the whole course system is particularly smooth and very pragmatic.

Learning the whole course will have a more rational persuasion for serving high-end customers and high-net-worth customers in the future. For example, wealth inheritance, law and business, pension and other knowledge is very useful, because from these points will be more concerned about the interests of customers, and he is not aware of talking to customers about insurance planning, but talking to him about financial planning for pension, education, wealth inheritance, etc., you will find that the customer's interest is very strong.

Therefore, when making a plan with a customer, it must be based on the customer's needs, rather than selling the product because of the product.

Taking the RFP certificate, not only to get a certificate, but also the RFP course is to really systematically train everyone to solve the problem, put it on the insurance marketing is to help you better market insurance through various methods, after learning RFP, not only on insurance insurance, students can talk about insurance from the perspective of taxation, investment, legal affairs, pension, property preservation can talk about insurance, can help customers to solve the above problems as the starting point for insurance marketing.

For more information about the registration conditions and registration fees for the RFP exam, please visit the official website of the RFPI Greater China Management Center.

Method steps.

First of all, it is necessary to grasp the insurance business market in the region.

For the areas that are about to be promoted and developed, it is necessary to fully grasp the information of how many insurance companies, insurance projects, customer groups and other information, and establish a market information database to achieve accurate and timely update of information.

Analyze customer needs.

Comprehensively analyze what kind of people belong to your customers, when customers will need insurance products, what products are more preferred by customers, etc., so as to be targeted.

Find your customer base.

In the process of carrying out insurance business sales, you should continue to find customers from all aspects and platforms, participate in social forums, celebrity places, public places, corporate units, etc., and explore customer groups within your business scope according to your insurance business scope.

Grow new customers quickly.

Quickly develop new customers, seize the market, and classify customers in the information fed back from the survey. If the purchase intention is strong, the purchase agreement should be signed quickly to facilitate the cooperation transaction; If the willingness is wavering, it will be gradually overcome according to the situation; If you have no intention of buying, give up decisively or do not have too much hope to avoid wasting time.

Retain key customers.

Salespeople should have a measure in their customers' minds, and focus on maintaining and laying a good emotional foundation for these customers who have a large purchase volume, a strong economic foundation, and a greater interest, because these are the key customers who can increase sales.

Do a good job in after-sales service.

Customers or consumers who have purchased your insurance services, or are about to purchase services, will inevitably encounter more or less problems in the cognition of insurance business, at this time, it should be handled humanely, share the difficulties for customers, achieve humanized services, increase the added value of business, and let customers choose your insurance services willingly.

Personal insurance ** person, the general job includes:

1. Promote insurance knowledge for consumers, explain insurance terms, comment on products, and analyze personal financial needs;

2. Design insurance plans and formulate insurance plans for consumers;

3. After the policyholder is out of insurance, assist him in making claims to the insurance company, etc.

In the modern insurance market, insurers have become one of the main forms and ways for insurance companies around the world to develop insurance business.

Core Competitiveness:

Knowledge requirements: insurance ** people generally require a college degree or above, preferably in insurance, proficient in insurance professional knowledge, understanding of finance, finance, law and other related knowledge, and social psychological knowledge.

Skill requirements: understand the operation of the insurance industry, have a certain mathematical foundation, be good at interpersonal communication, have tenacious perseverance and persuasion and communication skills.

Experience requirements: more than half a year of practical experience in insurance business, understand the needs of customers.

Professionalism: self-confidence, flexibility, diligence, enthusiasm, initiative, honesty and reliability, coupled with perseverance, a little humor and sense of responsibility, and infectious energy to become the best candidate for insurance.

Occupation status: Insurers are employed by insurance companies and are the main force in insurance operations. In 1992, after AIA seized the beach in Shanghai, it introduced the insurance first-class system, which played a great role in promoting the development of Shanghai's insurance market.

After China's accession to the WTO, the continuous penetration of foreign-funded insurance companies, the rapid development of the domestic insurance market, the improvement of people's living standards, and the enhancement of risk awareness have created good conditions for the prosperity of China's insurance industry. At present, China's insurance market is expanding dramatically, and international financial experts have long asserted that "China is the largest insurance market in the world." "A huge market means huge profits.

To this end, the main force of the insurance industry - insurance people have a broader stage.

Risk & Reward:

Insurance is a challenging profession, although free, but often have to go out, quite hard, and easy to be rejected, coupled with some lack of professional ethics of insurance people, unscrupulous means to pull insurance, do not pay attention to the service and other phenomena to a certain extent ruined the reputation of this profession.

The income of the insurance person depends entirely on the individual's ability and the price he is willing to pay, and the general commission is 10%-25%, with no upper limit. If you do it well, the income is still very good.

Career trend: development path: According to China's "Insurance Law" and "Regulations on the Administration of Insurers (Trial)", those engaged in insurance business must hold the "Insurer Qualification Certificate" issued by the national insurance regulatory authority before engaging in insurance activities.

In addition, insurance companies generally conduct training for insurance people, and those who do a good job can be promoted to director, manager, and manager step by step.

Transformation opportunities: Insurers can also work as insurance brokers, insurance consultants, etc., or change careers to become sales representatives and other marketing-oriented occupations in the insurance industry.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

1. Carry out daily email contact with customers.

2. The development of new products and the preparation of samples for customers.

3. Deal with daily work and obey the company's leadership arrangement.

Salesman'''Before my understanding of the salesman is a salesman, selling things, stalking, very shameless, grinding to ask people to buy his things, to be honest, I am very disgusted, if I receive the salesman's **, or there is a door-to-door sales, I will refuse.

Unexpectedly, N years later, I became a salesman myself, and I knew that the salesman was really great, and I knew how many great people in the world started from the salesman. Only then did they know that it was really not easy to be a salesman, they traveled all over the world, and through their understanding of professional knowledge and hard work and wisdom, they drove the development of the entire economy.

How many times have I been turned away, how many times have I been sneering at him. I think only the business self knows.

It's really not easy to do business, what kind of people can you meet, sexual, cold, good, bad.

This year is the second time I have run a business, and I really feel that running a business is so hard, the feeling of being turned away, and the days of wind and rain. I wanted to cry many times, but I thought that since I had chosen this path, I must be strong and do it, and I must not give up, and I think I can do it myself.

I want to be worthy of the old fierce wide board, and I also have to be worthy of myself.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

If you rely on strong sales, it is difficult to develop in an industry for a long time, and you can improve your professional skills by learning professional financial knowledge, such as you can take the AFP gold troop brother financial planner certificate and CFP international financial planner certificate.

The AFP certificate is a relatively basic certificate in the financial industry, and the recognition is still high, so you can work hard to get this certificate first.

Summary. Dear, for you to inquire about the personal ability improvement of the insurance industry, you can improve yourself according to the following points, oh: 1 Master scarce skills and build a skill Some people say that there are two ways to make yourself irreplaceable:

One is to do things that others can't or don't want to do; One is to do what everyone can do. The best "iron rice bowl" in this era is the irreplaceability of a person. Remarks:

02 Deal with emotions first, then deal with things When you encounter things, deal with emotions first, then deal with things, if you don't handle emotions well, things will only get worse. It is inevitable to vent emotions when encountering problems, but mature people must be restrained and forbearant when encountering problems. Control your emotions in case of trouble, refuse to be emotional, and stay calm and rational.

Nowadays, the ways we receive information are fast and complex, both good and bad. Always maintain the ability to think independently, don't listen to all the words of others, and don't follow the crowd. A person who thinks independently and dissolves the voices of the outside world can achieve rapid growth.

04 Insist on doing more things that you don't like but should do, and bravely try things that you are not good at, which is a kind of growth and transformation.

Dear, for you to inquire about the personal ability improvement of the insurance industry, you can improve yourself according to the following points: 1 Master scarce skills and create a skill Some people say that there are two ways to make yourself irreplaceable: one is to do what others can't do or don't want to do; One is to do what everyone can do.

The best "iron rice bowl" in this era is the irreplaceability of a person. Remarks: 02 Deal with emotions first, then deal with things When you encounter things, deal with emotions first, then deal with things, if you don't handle emotions well, things will only get worse.

It is inevitable to vent emotions when encountering problems, but mature people must be restrained and forbearant when encountering problems. Control your emotions in case of trouble, refuse to be emotional, and stay calm and rational. Nowadays, the way we receive information is fast and complex, both good and bad.

Always maintain the ability to think independently, don't listen to all the words of others, and don't follow the crowd. A person who thinks independently and abandons the sound of the outside world can achieve rapid growth. 04 Insist on doing more things that you don't like but should do, and bravely try things that you are not good at, which is a kind of growth and transformation.

Dear, to provide you with personal ability improvement in the insurance industry, you should insist on doing more things you don't like but should do, and keep doing it, there will be unexpected surprises. Only when you feel the pain will you have the motivation to change, and when the pain is gone, you will be renewed. In the final analysis, life is the process of eliminating pain one by one, and then gradually becoming stronger.