The year of the epidemic can be summed up in two words: anxiety and extreme anxiety.

There are many kinds of people's anxiety, such as work anxiety, life anxiety and emotional anxiety. In fact, no matter what kind of anxiety, it is more or less related to money.

This anxiety will let you know my past, present and future. I don't know whether this anxiety is an inspiring motivation or a mediocre fantasy.

I am at 20 15:

This year is the first year of my college internship, and it is also a year of my role change. I am no longer a student, but I joined a foreign company as an outsourcing intern and did financial work. My job is very mechanized: I just print and scan all kinds of invoices every day. This mechanical work lasted for a whole year.

It is also an accidental physical examination this year, and it is found that there are diseases in the lungs, so it is necessary to treat them in time.

The sudden illness made me feel at a loss, even ignorant enough to not believe that I would get sick at all. I thought it was a doctor's misdiagnosis.

I went to five hospitals in a row and had five physical examinations. The diagnosis was the same: tuberculosis.

I don't know what to do at this time. Where are you going to treat my illness? I don't know how serious this disease is. I only heard that tuberculosis is contagious, and I was scared. I don't know which doctor to look for.

It happened that the doctor who gave me the analysis report in the physical examination department of the hospital said, "You have to go to a special hospital for treatment of this disease. We can only do the examination here. I suggest you try Shenzhen Nanshan District Hospital. "

Although the unfortunate illness fell on me, fortunately, I have a good life partner who has been silently supporting, accompanying and encouraging me. For so many years, ups and downs, also a teacher and friend.

I feel at ease with him. Fortunately, the doctor said that my illness was not serious. Fortunately, it is in the early stage of the disease and is not contagious. I can recover by taking medicine and cooperating actively.

From the beginning, I was afraid of getting sick, death and infection, and I was relieved.

Now I'm worried that taking medicine is too expensive and I can't afford to see a doctor.

Although the government will give a drug for the treatment of tuberculosis free of charge, it needs to be taken on an empty stomach, which is very harmful to liver injury, and it needs to take liver protection drugs (liver protection drugs are not generally expensive, more than 500 yuan a box, to be taken every month).

In addition to medicine, the cost of treatment also includes examination and chest X-ray, which is more than 500 yuan per month/kloc-0.

This pair of me, who just came out as an intern, was only 2080 a month, and signed a labor contract without even paying social security.

This means that all expenses should be paid at their own expense, not once, but half a year.

1. Without the support of my current husband, I don't know how long my current salary can last. How can I support myself after seeing a doctor?

2. Since I look down on the disease, is there any other way for me to solve it? Take cheap liver medicine? Reduce inspection items? No chest X-ray? . . .

The answer can be imagined. If you want to cure a disease and spend less money, there is no such thing in the world.

So I made a decision on 20 16: I decided to leave my job decisively. It doesn't matter what I do. I'm willing to do it as long as I can pay social security.

Now think about it, what a helpless idea: an illness has actually lowered the standard of choosing a job.

Later, a friend said he wanted to buy insurance and asked me what I thought. If I were you before I got sick, I would definitely say, "Are you sick? What insurance should I buy if I have nothing to do? Isn't social security enough? And I can save a sum of money and don't want to buy any insurance. "

Yes, I always thought I was in good health before I got sick. I have never lost a blood transfusion since I was a child in Dalian. How could I get sick? As long as I keep enough exercise every day, I can always get better.

In addition, in college, my favorite economic law teacher once warned us: "In the future, you must never do any work or sell any products, and never sell insurance. I really suffered from it. I bought an accident insurance. Once I got sick, I went to the insurance salesman for money. I am really angry. "

These words are deeply imprinted on my mind and I have never forgotten them. I understand the anger and emotion of our teacher being refused compensation. I will have some questions of my own.

After I got sick, I kept asking myself: "Is insurance really all a lie?

Are people who buy insurance really not compensated?

Is there something wrong with the insurance company or is the salesman unclear? Our teacher disagrees with the salesman or the insurance company. What is the reason why a people's teacher warns students so angrily on the podium? "

For various reasons behind it, I have never been a teacher, nor have I encountered such a thing as her, and I don't know how to judge. It can't be said that our teacher's understanding of insurance is wrong, nor can it be said that our teacher warned students that it was wrong in class. Maybe the teacher is kind, too.

All I know is that I am ill and have no money to see a doctor or take medicine. This is a fact that no one can change or replace. I really need an insurance, even if it's only medical insurance, but I don't have it.

20/kloc-I quit my first internship and found a small company to pay social security to start a formal career. My income has also increased a little, so I thought I was still receiving medication, so I had to buy myself another insurance just in case.

When I really want to buy insurance, I find that I don't know who to look for. I don't know which insurance company I bought it from.

It is precisely because of this coincidence that I met my insurance guide at the airport when I went home for the Spring Festival in 20 17 1 month. That is, my master, Sister Wen.

After a brief chat, we learned that Sister Wen is the insurance agent of China Taiping, and I just want to buy an insurance policy. We added WeChat to each other.

The two were insured, but they did not stop at WeChat.

20 17 of us: I was in a hurry to buy an insurance, so after adding Sister Wen's WeChat, I asked her to help me plan a pension+illness insurance.

Sister Wen asked me curiously: "You are still young, so don't buy insurance to protect your health. Why buy a pension first? "

In fact, I think so: "I was influenced by my family since I was a child, watching my grandparents get old, with no savings and no pension." My parents are under great financial pressure. On the one hand, they have to provide for our siblings to go to school, and on the other hand, they have to bear the living expenses of grandparents. If grandparents can have decent jobs when they are young, they may have a decent old-age life when they are old, and at the same time, they can reduce the burden on their children. "

Because the elders at home are facing the dilemma of providing for the aged, I don't want to become such an old man when I get old.

The era of raising children to prevent old age has long passed, and the only way is to plan ahead.

In the process of planning, I neglected my health problems.

? Impression of first contact with insurance:

1 In the process of insurance planning, Sister Wen sent me many introductions about Taiping and some insurance products. Because of her first contact with insurance, I simply can't understand what these products are all about.

Insurance products have various names, such as what is carefree and what is ivy. What kind of silver hair is carefree? Literally, it is difficult to understand what insurance is at a glance.

What's the difference between pension and health insurance? I don't know which insurance to buy first.

What is the relationship between insurance and social security?

5 bought insurance, which can be compensated? What cannot be compensated? What are the reasons for not being able to pay compensation?

With these questions and doubts, in the process of communication with Sister Wen, Sister Wen suggested: It is better to come to Taiping to listen to the course of basic insurance knowledge, so that on the one hand, you can supplement your insurance knowledge, on the other hand, you can understand the product form. Maybe you can find the answer you want in the process of listening to the class.

What a good way to borrow money. When I asked Sister Wen all kinds of questions, she didn't answer my questions directly, but with the help of the company, she stepped into the door of China Taiping step by step.

[1] Newcomers fly together (mainly about company, promotion, products and market).

[2] One-month induction training for newcomers (mainly sales skills and market development methods. Incentive scheme for newcomers, product weapons suitable for marketing, case sharing of gold medal salesmen, etc. )

[3] Newcomers 135 Training convergence training (one goal: monthly performance target. Three habits: daily attendance, daily work log filling, and daily supplement and improvement of customer files. Five skills)

The five core skills are:

1. Life stage diagram

2. Insurance ladder diagram

3. Insurance classification map

4. Five-finger sales method

5. Sales process method

In fact, there is also the ability to deal with objections and so on.

[4] 90-day training for newcomers in sales department

It mainly includes four aspects:

& lt 1 & gt； Attitudes and habits

& lt2> skills and knowledge

& lt3> general standard

& lt4> study plan

No mistake, as a newcomer in the insurance industry, you really need to learn so many skills and knowledge to bring more professional services to customers.

I didn't miss any of the courses I studied above, and I took notes carefully in every class, feeling harder than when I was at school.

If I can sum up my 20 17 in three words, that is: learning, breakthrough and change.

After a series of studies in the insurance industry, I changed my understanding of insurance and broke through the sales skills that I had never been exposed to in my original work field.

Because of my desire for learning and the improvement of my self-worth, I started my life insurance career with great gratitude.

In the course of this exhibition, my first customer was myself. I bought accident insurance for myself first. Because of the history of tuberculosis, I lost the qualification to buy medical insurance, and was refused insurance by the insurance company, which can only increase the protection of serious illness and accidents.

It was from that moment that I realized that not everyone who wants to buy insurance can buy it, and the level of protection depends on your health.

? 2018-myself in 2020

From May 20 17, I officially joined the insurance industry, and now, three years later, I really should make a summary of my insurance career: from the beginning, I was rejected, questioned and rejected for selling insurance, and of course more people supported me, trusted me and helped me.

Mentality change: I have been rejected and questioned before, and my heart will be uncomfortable for a long time. Weak inside.

Now I am used to rejection, and my calm smile will soon pass. Don't care too much about gains and losses, naturally your heart is strong enough.

Changes in learning: I used to think it was difficult to learn a thing, but I always felt that the expression was unclear and illogical.

Now after careful practice, I sum up three points and push them out.

Change of skills: Before learning a product, you have to learn the terminology repeatedly, practice repeatedly and strengthen your understanding before you can get familiar with it.

Now focus on three aspects: what is the guarantee of the product, what is the guarantee, and what are the precautions? In fact, buying insurance means buying claims. The essence of insurance is money. Just the difference between buying more and buying less.

I've been in the business for three years, whether it's long or short.

It's a long story: In this industry, people who are 65,438+0-3 years old are all newcomers and need to learn. There are too many things to precipitate, and they will face many blows in the process. You need a strong ability to resist pressure. When you are questioned and rejected, you will want to give up or even shake. It is a very lucky thing for young people who just graduated to enter this industry to exercise themselves, and it is also a very anxious thing.

What you exercise is your own skills, with a large learning platform and wide promotion channels. Wages are relatively transparent and fair, and more work pays more.

The anxiety is: where are your customers? How to ensure that you have a continuous income? How can you keep climbing? . .

To sum up: the process of continuous improvement is very long.

Some time ago, I read a book "Hundred Years of Life", in which there are some opinions: people's life is getting longer and longer, from a three-stage life to a multi-stage life.

What preparations have we made in combination with the thinking brought about by this year's epidemic, longer and longer life expectancy, sudden diseases and things that change and remain unchanged in the course of life?

Changes during the epidemic:

? Enterprises stop production and employees work from home.

? The school is closed and all students study online.

? The catering and film industries are facing a crisis of survival.

? The capital turnover of small enterprises is not enough, and employees are faced with the dilemma of salary reduction and salary adjustment.

? There are also people who get rich overnight by buying masks as mask machines.

? Selling masks in the first half of the epidemic. Sell helmets and the like in the back.

In the above-mentioned emergencies, should we seize the window of opportunity to embrace change, or should we respond to change with constancy?

What remains unchanged is your persistence in your career and your original intention to enter the business.

Back to your own industry, where is the future development prospect of insurance? How can I insist on it myself? Where are the opportunities in the insurance industry in the future?

With these ideas, let's first analyze what the insurance industry has experienced in recent years.

In the past, when people talked about insurance, they thought that insurance salesmen were just fooling people, and they couldn't lose money if they bought it.

Now when it comes to insurance, everyone will say: I already have insurance, and social security is definitely enough.

In fact, we have already bought insurance and social security, but we have overlooked a problem: if you buy insurance, you will get all the insurance and get the right insurance.

This is also the future development trend of the country: in the future, China people will not only be able to afford medical care and medicines, but also create better medical conditions.

These beautiful visions can not be separated from the efforts of each of our insurance agents, nor can they be separated from everyone's cognitive upgrading and re-trust in the insurance industry.

Stick to it because I always believe that the insurance industry will be washed away and give everyone a good atmosphere for claims. I want to witness that moment with you personally.