Is there any development in being a financial advisor in the insurance industry?

Hehe, first of all, you have to ask yourself if you have perseverance and stamina, and if you are hardworking enough? Every industry has its characteristics, and every industry has successful people, but not every industry is suitable for you. As far as the development prospects of the insurance industry are concerned, the insurance industry is certainly a very promising industry.

Hehe, but it's up to you whether it's right for you.

Ask yourself, can you do it if you meet five strangers a day and stick to it for 1 year? If you can do it, you can pursue this profession.

If you can't do it, then you can only hope to refine yourself through this industry, and don't expect to develop or achieve.

leo chen:139-2383-6269

Hehe, I worked in the banking channel but it was hard when I was an intern.

Recently, the bank intermediary channel in insurance companies has developed rapidly, and if you do well, you can at least get a very good income. The high dividends of bancassurance products in recent years are also a major factor to attract customers to choose. If you think it's a good drawing, try it, at least you can exercise your ability.

Hello, I am from Taikang Life Insurance, and I was worried when I first joined the company like you. But no matter what kind of line you do, it depends on time to precipitate, and it is impossible to become a fat man in one bite. As long as you have confidence, you have momentum, and as long as you persevere to the end, you can do well.

Take a very popular phrase in our company to share with you: be obedient, do it! Listen to the master's words, excellent master's words, do what the master says, and continue to do it.

The hardships of eating are the only ones who are masters!

Financial advisors in the insurance industry are not in the same class as financial experts in banks.

Of course, in order to better serve customers (or gain the trust of customers), you need to inform customers of some basic financial knowledge, because using insurance to shield risks itself is a way of financial management.

It's okay to graduate with a bachelor's degree, but you need to be very capable in this industry, good at communication, good at learning, and able to bear hardships and stand hard work.

The salary is based on your performance, and there is rarely a base salary, which is only available at the manager level.

When there is no signing, the income may be zero, and it is normal to earn 10,000 yuan a month when the performance is good Extended reading: [Insurance] How to buy, which one is good, teach you to avoid these insurance"pits"

1. Investor education: financial consultants help customers understand financial knowledge and investment knowledge, and understand the special account wealth management business; Help clients understand investment opportunities and general investment misconceptions; Guide customers to understand and evaluate risks.

2. Demand analysis: comprehensively understand the financial situation and needs of customers, and help customers determine financial goals. Tailor-made investment solutions.

Based on the comprehensive customer demand report, we develop investment plans for customers. The financial advisor will explain the basis for formulating the investment plan to the client in detail, and fully communicate with the client to reach an agreement.

3. Adjust the investment plan: The financial advisor will help the client to review the investment decisions of the previous year and determine whether to maintain the current asset allocation or make adjustments according to the client's financial goals or changes in the investment horizon.

There are five roles of financial advisors, according to the level of difficulty, which are learning consultants, product experts, asset allocation consultants, affairs management consultants, and investment consultants.

1. Learning consultants, financial advisors need to communicate basic financial concepts and basic information with customers regularly through WeChat, email or face-to-face interviews, so that investors can grow together with financial advisors in the financial field. In order to provide financial advisors with product recommendations and asset allocation for clients, clients can have sufficient knowledge to understand the key points and ultimately make decisions with financial advisors.

2. Product experts and financial consultants recommend products that meet customer requirements for customers on the basis of full KYC (Know Your Customer), and can use the knowledge mastered by customers to explain the product characteristics and transaction structure in an easy-to-understand manner.

3. Asset allocation consultants, each customer can invest in different asset scale, risk appetite, family situation, living requirements, and social roles, so each customer's financial needs are extremely diversified. On the basis of fully understanding the needs of various roles and scenarios of customers, various types of financial products are combined and dynamically managed, so as to meet the financial needs of customers in important life scenarios as much as possible, so as to maintain and increase the value of investors' assets.

4. As a business management consultant, there are two ways for investors to use their wealth, one is for consumption to meet their living needs; One is used for investment, preservation and appreciation. To provide wealth management services to customers, we must first meet the consumption needs of customers, that is, we must first help customers solve "things", so this action is called "affairs management"; Secondly, on the basis of satisfying consumer needs, we allocate assets to customers' wealth, and strive to increase and preserve value in line with customer characteristics.

5. Investment consultants, some high-end investors are intertwined with personal and corporate identities, therefore, there are often some corporate needs, such as corporate mergers and acquisitions, asset restructuring, corporate financial management and other complex needs, financial consultants will undertake a part of the "quasi-investment banking business" to assist customers to understand the knowhow of this type of business, and can help customers find and manage relevant partners to achieve customer needs. In addition, clients often consult financial advisors on matters related to the company's operations, and financial advisors can act as financial professionals to provide some "investment supervision" assistance.

The main tasks of a financial advisor include:

Talk and communicate with customers, grasp customers' information, grasp customers' financial goals and needs, and provide customers with financial advice;

Guide customers to record financial income and expenditure, assets and liabilities accounts, and judge the financial status of customers; Independently design feasibility plans according to customer needs and give specific operation guidance;

Collect feedback from customers in a timely manner, analyze the results of the implementation of the program, and write a report.

<> financial advisor refers to a professional with professional financial knowledge to provide customers with investment and financial consulting and planning services. According to the client's own needs, the financial consultant can use the company's products and services and other social resources to carry out financial planning and program design for the client's daily operation and management, financial management and foreign capital operation and other economic activities or key changchang. Financial advisors have different job responsibilities and service content in different companies and industries, but financial advisers should uphold the norms of diligence, abide by industry codes and maintain professional ethics.

The work of a financial advisor includes:

1. Provide consulting services for listed companies to improve the corporate governance structure, design managerial options, employee stock ownership plans, investor relations management, etc.

2. Provide consulting services for major investments, mergers and acquisitions, related party transactions and other businesses of listed companies.

3. Provide consulting services for enterprises applying for first-class issuance and listing, restructuring and reorganization, asset restructuring, and pre-counseling.

Financial consultant refers to the professional who carries out financial planning and program design for the customer's daily operation and management, financial management and foreign capital operation and other economic activities according to the customer's own needs, standing in the customer's perspective, using the company's products and services and other social resources.

The work content of financial advisers mainly includes the following aspects:

1. Due diligence and write Party A's feasibility report on share reform;

2. Formulate the equity structure of Party A and the establishment plan of the joint-stock company;

3. Formulate Party A's financial adjustment plan;

4. Assist in the selection of intermediaries such as audit, evaluation, and lawyers, and complete audit, evaluation and legal reports that meet the requirements;

5. Assist in the selection of sponsors and provide pre-IPO financial advisory services.

Financial advisory business refers to the consulting, analysis, program design and other services provided by commercial banks for customers' financial management, investment and financing, mergers and acquisitions, asset restructuring and debt restructuring, development strategy and other activities by using their own products and services and other social resources according to the needs of customers.

<> the position of professional life insurance financial consultant is actually not very easy to do, why, in fact, financial consultants are very demanding, let's analyze it. First of all, we have to understand what is a financial advisor, this word may be relatively unfamiliar to some people, because there is not much contact, financial advisors originated in the United States, and in China in recent years slowly entered the market, for a large number of people, do not need financial advisors, because the Chinese concept of financial management is different, everyone will think, why should I find someone else to manage my own money, moreover, most families, assets have not reached the point of needing help from others. However, with the development of the economy, there are more and more rich people, and more people will have spare funds, if the interest rate of these funds is too low in the bank, if they invest **, they don't understand, that is to say, in how to invest, some people don't understand, they need professionals to help them.

That's where financial advisors come in. Secondly, as a financial advisor, why should others use you, because you can create value for others, how to create value. Therefore, as a financial advisor, you need to know a lot of professional knowledge.

First, it is necessary to understand finance or finance-related knowledge, preferably with basic knowledge of economics, finance, investment, finance, taxation, etc., and be familiar with relevant laws and regulations. The second is to have work experience in insurance, insurance or banking, etc., because financial consultants only have professional knowledge, and if they have experience, customers will rest assured that they will hand over their funds to you to manage. Third, the professional quality should be high, so that customers trust you, and your own character requirements are higher.

Finally, financial advisors should have the ability to increase the value of their customers' funds, because this is the most basic, if the customer gives you himself, the result is a loss, I believe that no one will entrust you, therefore, you must master a lot of investment skills and methods, through some investment skills, so that customer funds can increase in value, so that more customers trust you and trust you to manage your finances. Of course, if you want to be a good financial advisor, you have to slowly tap customers, because China's financial advisor market is just emerging, but with the passage of time, there will be more and more room for development, as long as you are fully prepared, there will be a day to show your talents, come on!

This position is really good to be honest, basically making money with our brains, and we don't have to do some actual manual labor at all.

Finance. If you want to do journalism, interviews or something, study journalism;

If you want to write something, be a writer or something, learn Chinese language and literature;

I want to write materials for leaders and learn secretarial.

To put it bluntly, it is to do sales and pull customers. I have a friend who works as a financial consultant at Sino, and when he is good, he has a monthly salary of 15,000, but it is very hard to manage money in this kind of third-party financial institution. Customers have to dig by themselves, and they are often treated as **.

However, Sinowa's reputation in the industry is relatively good. There are also Hengchang and CreditEase.

The key is which major corresponds to which office:

economic and financial corresponding customers, credit;

Finance, accounting, corresponding to accounting, business office;

computer correspondence information;

In fact, the correspondence is virtual, and the key is which person to correspond to.

Profiteering industry. Be ruthless, or you won't be able to make a fortune.

This job is usury.

Young people, know more before you do anything.

Majoring in Finance. If it is a formal platform, pulling people can only be said to be a publicity, and then investors will also earn income, which cannot be regarded as a pit person.

You can choose between ** and ** line majors.

There is no special mechanical drawing major in the graduate major of machine slag cavity engineering, this mechanical drawing is a professional foundation, many professional beam raiding industry needs basic drawing skills, just want to work in the future is drawing, I personally recommend the design major, the appearance of the art design major in the machinery, this is mainly drawing, as well as 3D-Max drawing, renderings and so on will be learned, if you learn other finite elements, the control of the major also has drawing requirements.

Financial advisors are sales, and generally sales are the majority.

I have a certain understanding of the wealth management business of insurance companies, but I do not recommend everyone to buy the wealth management business of insurance companies.

The reason is actually very simple, if users want to chase things for high investment returns, just use the funds for the insurance company's wealth management business is far from achieving this goal. If users want to pursue stable investment, they can hold bonds** and currencies**, and even buy bank wealth management products, and there is no need to buy wealth management business by purchasing insurance. Regarding the question you asked, I will answer it in detail from the following points.

1. The wealth management business of insurance companies is generally compound insurance.

Although it is not a bad thing to allocate insurance, not everyone has a sense of risk management and control, and not everyone is willing to buy insurance products. In order to promote their own business sales, insurance companies have come up with the idea of compound insurance, so insurance companies often integrate financial management content into conventional insurance products, and these insurance products will generate a certain investment value. <>

Second, I personally think that the wealth management business of insurance companies is not reliable.

I'll give you an example, many people may buy a compound life insurance, such as paying a premium of 10,000 yuan a year, and returning a certain percentage of the amount after many years. This insurance product looks very good, but it is actually a wealth management product + ordinary critical illness insurance and medical insurance. In other words, 1,000 yuan of the user's 10,000 yuan premium is used for basic protection, and the other 9,000 yuan is invested through insurance companies.

Third, I think users can choose their own investment methods.

As in the example I mentioned above, if the user really wants to achieve excess returns, the user can choose the investment method independently, and there is no need to buy insurance products. At the same time, there are too many routines for insurance products, but if the user's knowledge of the golden cover is weak, it is very likely that it is not suitable for their own insurance products. Personally, I don't particularly like the wealth management business of insurance companies.