Zhang Ming, China Pacific Life Insurance Co., Ltd. - Growth is always more important than success

"I hope that through my professional knowledge, objective and impartial, and independent thinking attitude, I can restore real insurance for customers, so that everyone can correctly understand and accept insurance, so that more families can have a scientific family risk management plan and achieve family financial stability. Zhang Ming said that he would use his love and persistence to make himself shine the brightest in the insurance industry.

Today, we are fortunate to invite Zhang Ming, let's listen to his story together~

company

China Pacific Life Insurance Company Limited

Job Title:

Insurance Customer Service Manager

Wobao cooperative membership level

Flagship Membership

After entering the insurance industry, did you influence yourself or impress your own stories?

So far, the insurance industry is still a huge seller's market, and the essence of marketing under the seller's market is to package the products you want to sell into products that everyone should buy, and the core is how to get customers. Because of the unprofessional practitioners, the client thinks that he has enough protection, but it turns out that in fact, the concerns and risks have not been transferred at all.

motto

Completely in the present, the unity of knowledge and action

Panelists

Editor: At present, insurance is not fully accepted by the public, what is your original intention in engaging in insurance?

Zhang Ming: The state and the government have been encouraging and promoting the development of the insurance industry, formulating many policies and regulations to continuously improve the insurance system, and actively developing the insurance industry and guiding insurance companies to become long-term capital investors in the development of the national economy. In the past, it was not liked by the public because some people were anxious for quick success and ignored the basic function of insurance as protection, so that the public was overwhelmed and did not enjoy the benefits of high security brought by the development of the national economy. Therefore, I am determined to provide customers with more professional and reasonable security planning, so that everyone can solve their worries and contribute to the dream of the development and prosperity of the country and the nation.

Editor: How did you learn about and enter the insurance industry?

Zhang Ming: I got to know insurance agents when I came into contact with high-quality insurance products in the process of configuring insurance by myself.

Editor: What do you value most about a job?

Zhang Ming: I hope that this job is growth, and I think it's always right to grow and be with great people, because a growing organization can attract so many great people. Then the company's corporate culture is also guided by the growth of people, because when people grow, performance will grow, and income will also grow, so as to achieve a win-win situation.

Editor: How satisfied are you with your current career?

Zhang Ming: Satisfied, because I bought back my time.

Editor: What are the types of insurance types you represent?

Zhang Ming: Health insurance (critical illness, medical treatment), life insurance, savings insurance, wealth management insurance, corporate group property insurance, mid-to-high-end medical insurance.

Editor: If the policyholder buys insurance from you, what kind of insurance services will you provide?

Zhang Ming: Regular policy review service to identify family risk protection gaps early and provide feasible solutions

Long-term insurance consulting services, answering various questions raised by customers and providing corresponding solutions to questions

Regularly share investment and financial management and other related consulting with customers to help them formulate plans for the appreciation and preservation of family property

Regular customer gatherings and resource docking to assist customers to have more development in their main business

Editor: Can you share what kind of mentality do you usually use to develop your business?

Zhang Ming: Objective and neutral mentality, not selling, only analyzing and suggesting. This is also what I felt when I was planning for family security. Because our broker model can give customers a "buyer's market" choice, more often, we are from a bird's-eye perspective, combined with the customer's own situation, to see the significance and role of each type of insurance, and then combined with our actual situation to see if this type of insurance is needed, if so, how much insurance is suitable for us.

Editor: When your customized insurance plan is not in line with the customer's own ideas, how will you deal with it?

Zhang Ming: Listen to the customer's ideas and reasons, properly guide and introduce relevant cases, help customers analyze what deficiencies from the perspective of comprehensive protection, if the customer still does not agree with the proposed plan, first focus on the customer's ideas, and complete the guarantee plan is the first priority. After that, the relevant explanations and ideas are passed on continuously.

Editor: Nowadays, the insurance industry is developing day by day, but there are still some people who don't know much, how do you introduce insurance to customers?

Zhang Ming: Usually convey the concept of insurance and the meaning and function of life insurance. The product is not directly introduced, but shared and explained in combination with the customer's case. Explain with empathy how to plan for your own protection

Editor: What issues do customers need to pay attention to when signing an insurance contract?

Zhang Ming: Customers need to pay attention to truthfully informing their health status and financial status, and understand and understand the insurance liability, liability exemption and exemption clauses of the terms of the insurance contract.

Editor: When a customer is out of insurance, how do you help the customer to get a claim smoothly? Can you give an example?

Zhang Ming: After the customer was out of danger, I immediately got in touch with the customer to understand the details of what happened. Then report the case through the insurance company's claim channel, and then get the relevant vouchers from the customer, take photos or copies, and then upload them to the insurance company's claims system in time. For example, if a customer has an illness and needs to be hospitalized, after receiving the news, he immediately goes to visit and understands the relevant situation, and submits documents to the insurance company to help the customer obtain a claim

Editor: Some people think that insurance is a "luxury" and cannot afford it, in your opinion, is it necessary for people who are financially distressed to buy insurance?

Zhang Ming: Gold and silver jewelry is also a "luxury", but everyone has it. It's just that it costs as little as a few tens of dollars and as many as millions. The same goes for insurance, which needs to be designed according to the customer's income and expenditure level, so everyone can afford it, and it is a must-buy, just a choice to buy more and buy less. I will provide a one-to-one private customized service, tailor-made for each person. People who are financially distressed should buy it because they do not have any reserves to protect against financial risks, and if the risks come, they will face the dilemma of financial ruin.

Editor: What do the customers you have served usually say about you?

Zhang Ming: Clients think I'm more professional and can recommend a combined protection plan based on their actual situation, rather than just selling a certain insurance product. I think the plan I recommended is more reasonable, and the premium is relatively inexpensive, which greatly exceeds my own perception of insurance.

Editor: Work testimonials

Zhang Ming: I hope to help more families have a scientific and reasonable insurance allocation plan.

epilogue

Life is like sailing in the sea, and work is the ship on which we stand. Zhang Ming makes his work more enjoyable because he has a passion for his work, so his sails are fuller and his strength is greater.