From college to graduate school, I have been in Xi'an and like this ancient city with a thick culture.
After graduating from graduate school, I went to college, but then I didn't expect that the moment I left college became one of the biggest changes in my life.
One is to leave the blessing of the iron rice bowl, and the other is to enter the insurance industry.
My hometown is in Baoji, and after graduation, I naturally settled in Xi'an, a standard literary and artistic young woman, not a material for sale.
Unexpectedly, I entered the industry for less than two years, my business grew rapidly, the performance was still good, the personal performance reached the company's elite membership standards, the Shaanxi branch ranked in the top three, Xinhua gold medal lecturer, the team also quickly became the fastest annual performance growth team, the number of less than 10 people, the overall performance to achieve the second branch. At present, he is also a certified lecturer of Wo Sheng Law Business School, a consultant lecturer of an Internet insurance brokerage company, and an elite member of MDRT IN the United States, and founded the "He Huan Said Pension" brand.
01, the turn of the identity of college teachers
After graduating from graduate school in 2015, in the same year, I resolutely decided to officially join Xinhua as an insurance agent at the end of the year with a master's degree in engineering and a teaching offer from a college. At that time, this profession and even this industry were still quite controversial, but I had no hesitation in joining. I still remember when the school where I worked at the time needed to turn in my personnel file, I paced back and forth in the playground for two hours with a sealed file bag, and in the end, instead of submitting my file, I submitted my resignation to the personnel office...
In this way, I was "reduced" from an envied college teacher to an insurance agent.
In the eyes of others, two long vacations a year, Kochi, time freedom, and stable income do not seem to have any reason to tangle and escape. In the six months of being a teacher, when I was full of enthusiasm to pass on knowledge and values to students, I found that my empty experiences, dogmatic teaching methods, could bring little nutrition to students. The growing disapproval and self-doubt that consumed my passion for my work, coupled with the absence of more social links, began to make me extremely uneasy inside.
The good and bad in life, as if fate always has an arrangement. I remember once in the process of consulting insurance for my child, the agent I met surprised me, she was like a beam of light shining into my life, elegant conversation, professional explanation, good cultivation let me trance, this is not what I want to be myself? Instantly feel like being lifted the "seal", and then began to make up a lot of industry knowledge, further understand the industry and profession, from policy orientation, industry environment, small to insurance products, personal experience, etc., and finally made a lot of unexpected decisions
- Quit your job to do insurance!
02, five years of Xinhua, engraving a new youth
I remember that at the beginning of entering the industry, the market environment of the ancient city of Xi'an has gradually begun to embrace the insurance industry, but the misunderstanding and prejudice against the profession of insurance agents have still not improved significantly. Combined with the feedback from the market and the evaluation of myself, my goal gradually became clear, where the prejudice of insurance came from, and the direction in which I might break through was there.
Although I have no sales experience, I am good at learning, dare to speak professionally, and I firmly believe that only in this way can I have my own competitiveness in the insurance industry. Only professional service can win the trust and respect of others. Competent in any position is the best weapon, especially in this industry, although there are many practitioners, but the proportion of professional people is very low. Therefore, after entering Xinhua, he used his past professional background advantages and clear positioning to quickly stand out in the company, as a newcomer who entered the company for less than half a year to participate in the province's lecturer competition on behalf of the branch, which also benefited from his initial small flag.
While accumulating basic professional knowledge, I started from the community's activity management, public welfare activities, parent-child activities, exchange and sharing of educational resources, etc. Let me have a rapid growth, in the process of knowing and making a lot of good teachers and friends in life. It was also at this time that I realized that this was an adult job that was worth much more than I expected. I still remember the joy and excitement when the first strange customer handed over the family insurance policy to me, and the excitement was not the performance, but the sense of accomplishment when I exchanged the trust of the customer through my learning and output and the sense of value when the customer handed over decades of family protection to me.
In the nearly five years of working in Xinhua, I grew from a small salesman to a branch manager, the subordinate team is the company's highest education, age structure, past experience are very high-quality a team, the company gave me the autonomy to try a variety of possibilities in this position, it is also because of these that I have the space to continuously improve and the habit of constant reflection. In the past few years, we have made some achievements, a number of honors, and won the trust of many customers, not only allowing more families to look at insurance objectively and rationally, but also attracting many partners to join in and work with me on this platform.
Standing in the field of insurance to study the profession is the clear direction I gave myself when I entered the company, it is because of the public's deviation in understanding of insurance, it is necessary to pass on the correct insurance concept to customers, so good at learning and researching, neutral and objective from the customer's point of view for its service is the principle I have been adhering to, these concepts have allowed me to gain more and more customer recognition.
From the most basic community development to the docking of commercial institutions, from the first customer to more and more referral customers, I do not have to be as busy as I just entered the industry, do not have to visit customers every day, there will be a steady stream of customer initiative consultation, and the team is constantly creating good results. In fact, several years of hard work have built a career channel for me, I only need to serve customers step by step, manage the management team, and follow the rhythm and development of the company. I once thought that was where I belonged.
03, not unexpected accident - self-examination
However, however...
An unusual insurance business consultation plunged me into deep thought and unease. After the 80s of the customer, the professional background of the intermediate note club, the Kochi group, the personal quality is good, and most of the customer groups I have served in the past are similar, and there are many commonalities. After communicating with the customer twice, the cognition and values are very matched, and the mutual recognition is also very agreeable, and the customer will give out the family situation, worries, budget, etc. But then, in the process of detailed communication with customers, I was surrounded by a deep sense of powerlessness.
I agree with my customers on the importance of life insurance ratios, but single company products have limitations, and when we communicate that some products can be used to shorten the coverage period to reduce premiums, my products can only choose to live. In the end, it was expected that even if I answered the customer's questions one by one, there was still no specific solution to the problem.
If I remember correctly, this is not the first time I have encountered such a bottleneck, and I have to admit that before this incident, I had realized that my so-called core competitiveness seemed to be less core. Because of my position, because of my company, my position is no longer just from the customer's point of view to do a good job, I seem to be more and more distant from the customer.
As consumers become more aware and recognized of the complex discipline of insurance, insurance is becoming more and more popular and in a fully competitive environment, the possibility of relying on a company to comprehensively solve customer problems or meet the needs of different customers is almost zero, and the professional neutrality and objectivity I insist on seem to be difficult to achieve. Even with professionalism, no single company's product can completely solve the system security problems of all customers. This consultation had to make me stop and talk to myself, my original intention, my persistence, my future, what is my value?
Whether it is for the team or the individual, it is impossible to survive and develop without the profession, and it has become a paradox to have a profession and not be able to solve problems for customers through the profession. In this short career of a few decades, do I really want the honor of a position or my own reverence and belief in the profession? In addition to the joy and shackles brought by the promotion of the position, it can be said that in order to chase these so-called achievements, he forgot his original intention and closed his most primitive motivation.
What has nourished me all along is not the aura of these certificates or positions, the sense of accomplishment in solving every problem for the client, the one more client because I changed my bias against insurance, and the fact that the client is willing to choose the insurance tool to remove the risk for his family. The inner voice gradually became clear: is it to choose the interests of the moment and continue to maintain the team management forward? Or do you let go of the past and really embrace the market and stand with customers?
I gradually tried to go out and see how different teams, different companies, different platforms worked, trying to find out. Contrary to my wishes, after learning about several main companies and head agencies, I gave up the option of continuing to do team management.
The market is not short of customers, the lack of people in this industry to really do the professional to the extreme, and the real professional is three-dimensional multi-dimensional, in addition to the professional knowledge and business level of insurance itself, but also need to have sustained and effective learning ability, tenacity and perseverance, deep understanding of the industry and have values that can lead themselves. These abilities are given to the body, which really solves the problem of career development.
With these can not only serve customers, but also empower the team, and a team that is sensitive and thoughtful, truth-seeking and dedicated is what the market really needs. My final answer - the original intention does not change, unswerving! I want to transform deeply and firmly choose professional values.
04. Choose an insurance broker
Go out for a walk, the final result is to choose an insurance brokerage company, become an insurance broker, the simplest difference between the two is: insurance brokers can represent the products of multiple insurance companies, and agents can only sell the products of one insurance company. In the domestic scope, I will not be able to make customers have satisfactory protection due to the different products of each company and their respective advantages and disadvantages.
So many institutions have thrown olive branches, why did I choose Minya?
In fact, in this choice is not too complicated, I have not compared their basic law, I think the basic law of a good company (basic law: the management system rules for the promotion of insurance companies) will not be too different, and the current development of the domestic insurance industry is still limited, in the real sense, the basic law with change, almost does not exist. So, the point of consideration is not here. I'm mainly because of a friend, we can talk to each other, I recognize his knowledge, understanding and judgment of the industry, and he does have a level that is rare in the industry.
Insurance Agent VS Insurance Broker
This choice is not actually a matter of changing companies. Instead, in the same direction, a different track. Many people are unaware of the existence of insurance brokers. It is also understandable that in China's nearly 10 million insurance sales, the proportion of insurance brokers is very small. In europe and the United States, insurance brokers account for more than half.
The difference between the two is:
An insurance agent sells the company's products on behalf of an insurance company;
An insurance broker is a client who procures products/product portfolios from numerous insurance companies on behalf of their clients, depending on their situation and needs.
Chapter 5 of the Insurance Law begins with the definition and distinction between the two:
In insurance laws and insurance contracts, "insurer" refers to insurance companies
From the sales link, the insurance broker can shop around for the customer according to the customer's situation. In the after-sales service link, because the broker does not belong to any insurance company, it is more able to protect the rights and interests of customers.
From the trend point of view, the separation of production and sales of insurance companies is the trend of the times, the more open the insurance market, the more full the insurance competition, the more will be separated from production and marketing, just like the home appliance industry in that year. Not only will production and marketing be separated, but it is likely that the claims business will also be separated from insurance companies in the future.
In this way, the more profitable the consumer, the broker who lives between the insurance company and the consumer ushers in a great development. Insurance companies also benefit from saving agent training, management, workplace costs, and focusing on product development and services. Taiwan's friends have eliminated the agent, and Prudential Life has no agent in Taiwan.
Minya appeared as a consultant, with the role of an insurance doctor, it is not just as simple as selling multiple products, not a simple "shopping guide". The risks faced by each family and the problem of family growth are not simply solved by a single dimension of three or two insurance products, insurance is related to the planning and arrangement of family wealth, the actual situation of each family is different, and the solutions required should be different.
Wealth management
A good insurance service personnel and companies should be able to provide one-stop services such as insurance consultation, family situation analysis, protection plan formulation, product screening, underwriting claims, legal litigation, etc., which can really help everyone buy right and pay well. Truly becoming a supplier of comprehensive scientific insurance solutions to consumers, Minya happens to be.
On this basis, I and my partners also realized that if we can't stand at a higher latitude, that is, from a higher perspective of finance and the height of family wealth management, it is still difficult to help clients truly provide dynamic risk identification and complete family protection services. My partner has a financial background and a deeper understanding of this.
The management and investment of family wealth is a science and a skill, which not only requires planning one's own time, income, expenditure, family affairs, household debt, anti-risk ability, investment preferences, etc.; it is also necessary to have an understanding of financial quotient, various financial instruments, the characteristics and risks of assets. Then we can build our own investment system and family wealth management methods. In the process of family wealth management, insurance is an integral part of it. In this way, we can say that from the breadth and depth, we can really stand in the customer's perspective and solve the problem of family wealth management and risk management.
Among them, we have found a very important problem, family wealth, risk, affairs, "pension problem" is rarely mentioned, and pension is a very important matter in our family and a place for wealth arrangements, involving at least millions or even tens of millions of capital expenditures. And most of us overlook...
05, Yang Fan voyage -[He Huan said pension]
When calculating the amount of family assets for customers, the problem of pension is found, but everyone does not feel much, after all, the rapid development of China's economy is a matter of recent decades, and people's cognition is far from keeping up with the changes in society. At present, the first round of urbanization has basically ended, and most of us after 70/80/90 will be inseparable from the city in the future.
The news that our pension is about to be depleted has been out for several years, but our cognition cannot keep up, after all, China's development is really too fast, and everyone has not yet adapted to the rapid growth of the economy and brought about a rapid change in lifestyle, but the problem of pension has followed.
The country is very anxious, worried that after we retire in the future, a large number of people will be a problem, but we ourselves feel that the pension is not so urgent because of the inherent concepts and cognitions in the past, and we feel that the pension is still far away.
I once watched an interview with an old man in Japan
After watching, not only shocked, but also fell into deep thinking, our country is not rich before the old, less child, aging and so fast, most of us around us have not yet realized, wait for the future to be old, and the probability of longer life than our parents, this longevity if there is no sufficient pension to accompany the time, I really do not know whether longevity is a blessing or a curse .....
If the length of cash flow for the elderly is the length of life, it feels that the limitations of life are too terrible.
At present, there are very few people in the industry who do the pension sector, and there are even fewer people with financial backgrounds and wealth management cognition, and our team just happens to have them.
I think it is time for us Yang Fan, I started from Xiaobai into the industry, followed all the way, learned so far, there has been a certain accumulation and professional accumulation, I can give up the identity of the industry followers, take the initiative to open up, take the initiative to help more people to understand and plan the future of life after retirement.
Pension, not only involves the time and capital arrangement after the pension, but also involves the financial management, investment and wealth management of the young age, in order to better win more wealth after retirement. Only by standing in the perspective of full finance, standing in family wealth management and asset allocation, and considering the overall situation from the long axis of life time, can we help customers truly solve the problem of pension and the problem of a happy life.
Since then, we have also owned the brand of "He Huan said pension", began to spread throughout the network, and deeply focused on a series of problems that need to be solved in the pension and the pension association.
06, finally
I vaguely remember that after deciding to transform at that time, many people expressed regret, but I now know that letting go is a new life, and the current determination is a feeling that I have never had, only I know that when I am no longer bound by the past, every time is an opportunity for new life.
Just like in my work, we can be confident and happy about the future by preparing for the future.
In the past, it is all because of the desire of the heart. I'm waiting for you here.
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