Is there a commission for buying insurance on my own? Do you still have to give a commission when yo

Hello, it depends on what platform you buy from. If there is a commission, it will be reflected when you apply for insurance. If the whole insurance process does not reflect the commission, then there is no!

If you want to save yourself some premiums, it is indeed a good way to study and compare and apply for insurance by yourself, but I just want to remind you that no matter which channel you buy and what insurance products you buy, please be sure to carefully read the insurance instructions and product terms (including but not limited to: waiting period, hesitation period, grace period, insurance liability, and exemption from liability).

In addition, there is another point to advise you, you must remember to read the "Health Notice" carefully before applying for insurance, carefully read every word of the health notice, confirm it word by word, recall your medical records, physical examination reports, carefully check it, confirm that it is correct, and then proceed further.

Accident insurance. Remember to be optimistic about the accidental medical liability (whether it is limited to the use of drugs in social insurance), the sum insured for death and disability (whether it will only pay for total disability), and whether it includes sudden death liability;

For medical insurance, remember to pay attention to the specific insurance liability, whether it includes out-of-hospital drugs, proton and heavy ion liability, and how to describe the renewal clause;

Critical illness insurance. Single or multiple claims, whether there is an exemption from liability, and whether there is a malignant tumor.

or cardiovascular and cerebrovascular diseases.

The liability for secondary compensation, whether there is a liability for compensation for specific diseases of children.

The income of the insurance staff depends on the commission income from the sale of insurance, if you are an insurance staff to buy insurance for yourself, there is also a commission, if you are not, there is no commission for buying insurance by yourself, at most the insurance staff will give you some gifts.

Yes, the policyholder, not you, the insured can be you.

If you are an insurance salesman, if you buy insurance from yourself, there must be a certain commission.

There is also a commission for buying insurance yourself.

The customer asked: Mr. Zhang, I want to buy insurance, but I heard that the commission of your insurance company's salesman is very high, and he can earn all my money by 30% or 40%.

A: What you say is true, but there is something wrong with the direction you want.

First of all, let's talk about the issue of salesman's commission, it is true that the insurance company will give the salesman different proportions of commission according to the different types of insurance, and the highest can be about 40%. However, there are generally several characteristics of insurance that lead to the need to give high commissions to salesmen: First, the payment time is very long.

Generally, it is 20 years, and this type of insurance only pays 40% in the first year

The second year is generally 20%.

About 3% for four to six years, and then there is basically no commission. But have you thought about it, how long does the salesman need to serve you? At least until the end of the payment period, or even longer.

Based on the 20 years of payment, the annual commission is only about 5%. Have you ever thought about how much money the salesman mentioned for you when you buy a mobile phone? How much do you buy a clothes salesman to pay you?

Why do you have to be more than 10%, right? So, is this commission high? Second, a long time means more services.

Does the salesman's service cost? Transportation, meals, holiday gifts, and communications, which don't need money? The salesman also has to live.

Let me ask you, if you buy insurance, no one will ever worry about you? You want the insurance to have good after-sales service, but you can't get used to seeing the salesman make money, don't you let the horse run, and don't want the horse to eat grass? Third, insurance is not easy to sell.

When you're hungry, you think about going to a restaurant to eat, and when you're cold, you want to buy a dress, which is a much-needed need. But when you are sick, old, and have an accident, think of buying insurance, sorry, stop dreaming, it's impossible. Therefore, insurance should be bought when you are safe and prepared for when it is not safe, but many people do not think that far ahead, or are not willing to think that far.

As a result, they are reluctant to spend money on insurance for the future. And the insurance salesman is to tell you the idea of thinking about the future and give your money to the insurance company. Is it difficult, you say?

Dude, no one is a fool, such a difficult job, you pay a cleaner's salary, who will do it? Therefore, the insurance company concentrates the commission charged for 20 years to the previous years, so as to motivate the sales of insurance salesmen. You say, is this too much?

The salesman doesn't make money, you let the family drink the northwest wind?

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

The commission plan of each insurance company is different, but for insurance salesmen, it is called commission, and the commission of general auto insurance salesmen is about 10%-25%.

1. Insurance company commission

The commission of the insurance company's salesman is divided into two kinds of life insurance and property insurance, life insurance is paid for a long time, the commission of each company is different, and the commission of the same company is different.

1. Life insurance, generally in the first year of the premium can get 20%-35% of the commission, some of the better insurance can get 45% of the commission, after the first year this proportion will decrease year by year, the second year is only 10%-15% commission, generally can get 3-6 years.

2. Property insurance is paid annually, the commission of general property insurance is about 15%, the commission of property insurance is a little higher, at 15%-25%, and some good insurance can reach 30%-40%.

3. There is also a car insurance, the commission of the auto insurance salesman is generally about 10%-25%, if a 3000 yuan car insurance is sold, then his commission is about 300 yuan -750 yuan, a strong business ability of the auto insurance salesman, the monthly salary is still very considerable. There is no commission for the strong insurance in the car insurance, and the ** of each insurance company is the same, so this insurance is equivalent to the free service of the car insurance salesman.

The compulsory insurance in the car insurance does not calculate the commission, and the ** of each insurance company is the same, so this insurance is equivalent to the free service of the auto insurance salesman. In addition, different types of insurance have different commission schemes. For example, long-term insurance is based on the annual premium paid.

Second, the composition of the insurance salesman's commission

The main income of an insurance salesman is the "basic salary commission" (business rebate), which is quite substantial, although the basic salary is pitifully small. The commission for each business is 20 30 of the business volume, that is, if a 10,000 yuan insurance business is pulled, the salesman can get a commission of up to 3,000 yuan. There is also a group of high-paid employees who receive management allowances.

The general promotion procedure of the company is: probationary salesman, regular salesman, director, senior director, department manager. Management allowances are available above the rank of Director.

Taking the director as an example, if the employee below him receives a commission of 100,000 yuan, the director can get a commission of 7 or 7,000 yuan in management allowance.

Generally, you can get a commission of 20 35 for the premium in the first year, and some better insurance can get a commission of 45. After the first year, this proportion decreases year by year, and generally only 10 15 commissions are made in the second year, and you can generally get 3 6 years.

Commission The commission ratio depends on the payment period of this product.

1. If you pay a one-year insurance for one year, instead of having to pay a long-term contract for 5 years, 10 years, 20 years, etc., it is generally about 20% of the annual premium, and this is the case every year.

2. For long-term contracts (especially for more than 15 years), the payment period is also longer (generally more than 5 years), and the longest is generally the highest in the first year, up to 30%-50% of the annual premium, and then decreases year by year.

There are a lot of insurance commissions, a total of five years of 40% a year decreasing year by year, so do insurance, say good things to let you insure, no good returns, who will do so hard to do it, every day to see you let you insurance, if there is spare money can also be guaranteed is not a bad thing.

It's no wonder that the insurance people use all kinds of methods to trick people, and the commission is too high.

Looking at the type of insurance, life insurance is generally the highest, followed by financial insurance, car insurance, and so on.

Car insurance, or personal insurance. Also branches.

It should be 20 percent, basically.