What is insurance? Insurance is actually a piece of paper, but the weight of this piece of paper is not light, because it is at the same time a piece of paper commitment, when people encounter misfortune, it can give people help and warmth. Insurance can not only be the icing on the cake, more often than not, it is the snow in the charcoal. Everyone wants to have a guaranteed life, but now there are still many people who shy away from insurance, and some people even think that buying insurance is like buying a bunch of trouble. So how to sell a piece of paper and a promise happily to everyone and make the people who buy it gladly accept it? This is where the power of the insurance marketer lies, and at the same time, this is exactly where the charm of the insurance industry lies. Like many insurance marketers, Ma Dan, a newcomer to the industry, has also suffered from closed doors, and even from the cynicism of friends. The first policy not only for the customer to bring good luck, but also for their own good luck a chance, I received a Ping An life insurance consultant's phone, to understand my son's insurance and my intention to work on the issue, which is my first real contact with the insurance industry, the sales pitch is too much, so that I instinctively rejected all her "good intentions! I was so impressed that I instinctively rejected all of her "good intentions". After about a month or so, I received another call from AIA, and the telemarketer's speaking skills successfully invited me to their workplace seminar. I went to the seminar with the mindset of curiosity and learning (because my husband and I had always wanted to buy a health insurance policy for our baby, and it was always a good idea for us to learn more about it!) After this seminar, I have a new understanding of the insurance industry, because I used to hear too many negative words about insurance on the Internet and among my friends, and I have always been prejudiced against the insurance industry. However, after learning about it firsthand, I suddenly have a feeling that it's too late for me to recognize it, and isn't it the career I've always been pursuing and longing for? Because I like to socialize with people by nature, and I am easy-going, and more importantly, I have a strong desire to pursue my ideal and a clear goal. Therefore, I think this is a turning point in my life, which can also be said to be the starting point and springboard to the door of success. When I made this decision, many people didn't believe that I was really thinking from the bottom of my heart and just thought that I had a momentary impulse, but only I know what I want and what I can do. Although my road to success may be bumpier than others, I believe that there is nothing I can't do if I work hard. Many friends say, you just came to Suzhou less than half a year, there is no can do the edge of the market is not good to do, and do insurance will be very hard very hard. But I myself is after careful consideration, I decided to do insurance from the moment I did not think it would be very easy to succeed, not to mention that I did not want to rely on all kinds of relationships to fill their own pockets, I recognize their own situation and environment very clearly. Even though my husband had been working in Suzhou for three years, I knew that with his character, he would not use his position to provide me with any help, and I myself did not want to appear as an unprofessional image in front of my husband's friends before my own business was mature. However, I know that mentally as long as he supports me, my husband's rationality and insights will make me take a lot less detours. I have a view of my own on doing insurance, I think if you really want to do insurance as a lifelong career, you have to start from an unfamiliar market, because the karmic market will be done one day, and more importantly, in the premise that you have just entered the industry and your professional knowledge and skills are lacking, in order to rush to sign the policy, you blindly from the pockets of your relatives and friends around you " Money", I think this is not only irresponsible for relatives and friends is also irresponsible for their own, when the time may be counterproductive, "talent two empty" - both lost the trust of relatives and friends, but also to make their own goals difficult to realize. Wait until you are skilled enough in your own business skills before designing a policy that is the most suitable and effective for your relatives and friends, in which case you will both impress them and make their lives more secure because of your professionalism. Secondly, if you start out in the karmic market, the signing rate may be very high at first, but when one day, you have no market to do, can you still have the confidence and passion to start from an unfamiliar market when you are just starting out? Even if you can, your frustration will be a big stumbling block in front of you. Therefore, I believe that "insurance is not made by people, but by talents", and I believe that as long as we are firm in our beliefs and continue to overload ourselves, we will be able to create a brilliant future! The road of insurance sales is difficult, especially at the beginning stage． Ideal is beautiful. The reality is always cruel. After a series of learning. I confidently open the phone book． I called all my good friends and general friends and told them． I've switched to insurance, so if you need anything, you can contact me． The reply was that a very good friend said, "I've already bought it． Why didn't you do it earlier? Either that, or you're not doing insurance anymore. Insurance is not easy to do. What's annoying is that a person said you sell insurance before looking for me. Oh, my God! I was so pissed off. I wanted to give up. (Now that I think about it, that's a normal human reaction.) I don't think that's going to work. We'll have to find another way. And that's in-person visits. Former coworkers and classmates. Relatives. Friends. Real estate agents I've dealt with. I've been looking for them all. It took almost a month. Basically, I've visited them all. I've been talking non-stop for a month about the significance and utility of insurance. I've been talking about financial management and company profiles. My voice was hoarse for two weeks. The soles of my feet were covered in bubbles. But.. Through their own learning and market practice. Proved that there is a market for insurance, only their own professional skills to continue to improve in order to achieve their sales goals... After obtaining the agent's certificate. But also after the company's product knowledge, insurance rules, sales methods and other learning before entering the market sales. In order to save valuable time, more with the baby. Here is not a detailed description. "Insurance is not a person to do, nor is it a talent to do, it is a ghost to do". These are the words of a senior teacher and an excellent director of our company. I didn't understand it too well at that time, but now I have a deeper understanding of it. What is insurance? It is a method of risk transfer. It's a source of security to protect our lives. It's about "managing money, not spending it". It's all for one and one for all. All for one and one for me. That's true. But, after all, insurance in China is still in its infancy, too many people do not quite understand its function. Unlike abroad, where it has a history of more than a hundred years. It is said that insurance is a labor of love. It is the work of spreading love. It's the brightest profession under the sun.. I questioned it... I joined the insurance industry journey I am studying "economic management" major, graduated from the University of International Business and Economics, graduated from a science and technology development company, working for almost two years. In the past two years, every day at eight o'clock in the morning to work, five and a half off. From Monday to Friday, the work style and content have not changed. I even have to travel a lot I know what this life will be. It's scary to think about, after all, every young person doesn't want to do this kind of work with no passion and no hope. Half a year ago, I had the idea of jumping ship. I always wanted to do sales, but could not find a suitable job. Last year, an incident made me slowly recognize the insurance. One day last year, my friend had a ten-month-old daughter, learning to walk on tiptoe, to the hospital to see the doctor, the doctor said it was cerebral palsy, their whole family did not believe it, and took her daughter to see all the big hospitals in Beijing experts, the conclusion was the same, "mild cerebral palsy"! This is a terrible fact. It was a disaster for them, who had just been married for more than two years. The word "cerebral palsy" had only been seen in other people's stories before, but I never thought it would happen to my best friend. During the day, they traveled to various hospitals with their child, and when they came back at night, she and her lover often could not eat and were in tears. They were very worried about their child's future, so they tried their best to do all kinds of rehabilitative training, but the expensive cost made them a bit confused. The cost of rehabilitation training alone is about 200 per day, medication, hospitalization, and two people to take care of the child every day, which is at least 10,000 per month. Moreover, this kind of rehabilitation is very long, and it is difficult to have any effect in a few months. They chatted with many parents, many of whom used to be well-off or even rich families, but they had lost all their money in order to treat their children. The scene was very touching, touched by the greatness of fatherly and maternal love, and at the same time sympathized with their misfortune. But she had just started a family with less than 10,000 dollars in savings and was trying to buy a house at the time. Mom and Dad only had 40,000 yuan in savings, and Mom said she would give it all to her child's treatment. But this less than 50,000 savings, for the child to see a doctor, is really a drop in the bucket! At that time, her mother said a enough to move her life words, "no money to sell my house", in addition to moving, more is the heartache! Later, they still often talk about this incident, they often say, "they are really lucky"! At the same time, they felt y that they were so powerless in front of the disaster, and their families were so fragile. Human life, will face how big the risk, the big, the road every day traffic accidents, a variety of major diseases, once any kind of occurrence, for his own, for her family are disastrous and destructive. She feels less and less secure, even though she has a stable job and a steady income. I found a very good insurance manager on the Internet and asked him to come out. I asked him a lot of questions and my confusion. I asked him a lot of questions and I was confused. After that, I searched for a lot of information to read. I feel that in fact, we all need insurance very much, but we don't like insurance too much, mainly because of two reasons: First, many people's awareness of risk is very low. They think that they are doing quite well now, and those misfortunes won't happen to them, or some of them think that they will wait until they happen, as the saying goes, "the boat will naturally straighten out at the end of the bridge"; secondly, a lot of insurance agents don't know how to insure, and some insurance companies don't settle the claims in a proper manner, which greatly spoils the reputation of the insurance industry. I think that with the entry of foreign insurance companies, the insurance industry will become more and more standardized, people's awareness of insurance will slowly increase, which will require a number of high quality, highly professional insurance agents. Insurance agent should not be those who are unemployed and laid-off and unemployed people to engage in the work, but also need a group of high-quality talent. So I had the idea of becoming an insurance agent. But my family and friends did not quite understand, especially the reputation of doing this is not very good, they all think that let go of the income and stability of such a decent job not to do, to do what insurance sales. I worked with them, telling them about the development process and current situation of the insurance industry in developed countries, and the current situation and trend of the insurance industry in China, and slowly made them understand their work. Later, I learned about a life insurance company that was developing well, and during the seven-day training, I was attracted by its strong corporate culture and standardized management. So I decided to join this life insurance company to become a group of knowledge-based managers, the first batch of only 200 people, all of them have bachelor's degree or above, more than half of them are master's degree or MBA, and some of them have just returned from studying abroad. After nearly two months of intensive training, they were licensed to sell insurance (many insurance companies can sell insurance after less than a week of simple training). And for the next three months, I had to be trained every morning. I have chosen a new path, and despite the many bumps and setbacks ahead, I will persevere. With my knowledge and wisdom, plus unremitting efforts, I think I will become an excellent insurance agent. My philosophy is: "treat insurance as a business". Several years of insurance sales work has made me add a heavy sense of responsibility in my enthusiasm. "This sense of responsibility is especially strong when the claims are delivered to policyholders. There was a farmer in the purchase of an accidental injury insurance, he unfortunately died in an accident, the family also has an 87-year-old mother and 57-year-old companion, when we sent 50,000 yuan of compensation to his family, the two old people sobbed uncontrollably. In fact, there are many families in China who should have this kind of insurance awareness, insurance can minimize their losses, but in fact, even many highly educated people do not have this kind of awareness. China's insurance market needs a lot of work. I often see people comparing insurance with banks, and even listed a table, but in fact, the essential difference between the two is still not found. Banks make money with money, and the cost is untouchable. You deposited 100,000 yuan in the bank or you loaned 100,000 yuan, this 100,000 yuan is the cost, you deposited your own money, the bank will pay some interest to you, to the use of the time you raised or their own money. And you took out a loan of 100,000 yuan, the loan period, the interest plus the cost you have to pay off together, not less than a penny. What if you can't pay it back? Sorry, the bank will use your property as collateral, auction processing to pay off the cost plus interest. Insurance is different, it is not for individuals but operates a group. Your premium is the interest, you pay the interest up front, the insurance company automatically deposits a sum of money for you in line with the value of your life, this sum of money, although you do not pay and do not see it, but it is a real presence in the insurance company. This money is what Kaupo calls standby credit, and it is not required to be paid back by you at cost. This is because this credit can only be activated to benefit your family if you have an accident. The process is essentially that when you can't realize the value of your life, the insurance company can do it for you, and what you pay the insurance company is really just a little bit of operating expense. Banks can add double insurance to make you sign twice for the safety of the loan, why don't you add insurance for the value of your life as well? Because the value of human life is the individual's benefit to others, but the individual to realize the value of their own life is time-consuming, the longer the time, the greater the responsibility that the individual bears. The longer the time, the more responsibility the individual has to bear. The more you pay, the more others rely on you. The problem is that over such a long period of time, anything can happen, so how can you make a commitment to the people you want to benefit in the future? Everyone says that doing insurance is a two-legged journey, while delivering protection to our clients, we also need to develop our team, because one person's strength is limited, we need to deliver more protection to more clients when we are able to, and all hands make light work. I have started to develop my team, no matter where the partners in my team come from! I will tell them whether your client friend accepts the insurance products you recommend to him or not to use your patience and your professionalism. Confidently communicate with your clients. Use your sincerity to impress your clients until they accept life insurance. Life insurance is a necessity for each of our families, life insurance is like the security door of our home although there is no thief to come, but we can't be unprepared, life insurance is like the spare tire of the car, maybe he won't use it, but he can't be unprepared. Life insurance is like a fire extinguisher is not necessarily fire, but we still need to be prepared, life insurance is not necessarily everyone can use but we can not be without, life insurance is the emergency cash. It's a stabilizer in our lives. So I say life insurance is an indispensable part of every family selling insurance is one of the happiest things in my life, but I also have my shortcomings, because I used to be just solitary not used to bother others, but after all these years of experience and see a lot of people because of the lack of insurance, the problems occur really helpless, I suddenly remembered a problem of all the people picking up the pieces of wood and the fire is high reason, I began to I began to change my concept, I visit 5 customers a day a person, if 10 people together in the visit it is 50 people, then more than 50 people more understanding of the insurance, then day after day to go down is very powerful. My team is also getting bigger and bigger, to develop some responsible and caring people like me to do this business together. I really felt pressurized by this, and with more and more people in my team, my workload got bigger and bigger. I would often get off work very late, it's really hard! After so many days and nights, one of the most unforgettable things for me is that one of my former customers, who had taken out a 100,000 dollar major disease insurance policy, was about to return the policy during the hesitation period and told me that the insurance was really useless. I have been working with her to suggest that she should not return the policy, but to stay! If you really can't afford the cost I have nothing to say. But you either have a money problem or you think the insurance is useless. I have been trying to talk to her again and again and again and again and again and again and again and again and again and again and again and again and I am happy for her. I was really happy for her, maybe I impressed her with my sincerity. But the sky is the limit. Two years after the contract came into effect suddenly received a call from her son saying that her mother had been hospitalized and asked if the insurance would cover it. I said what kind of disease? He said & lt; uremia" I was very surprised to hear that. I was very surprised to hear that. I immediately rushed to the hospital to visit my client. Also did a detailed communication with the doctor. Is it true? There is no mistake that his mother suffered from "uremia" My first feeling was that it was fortunate that her policy had not been surrendered. This incident made me think that insurance can be used but really can't be used without it! Because of my dedication to the work, and sincere affirmation also y impressed my family, my lover, children they never understand insurance, do not believe in insurance to the final support and even my lover will have the opportunity to help me introduce his side at the same time and friends to let me talk about insurance. Especially my son has a little interest in insurance, remember that time he was just 5 years old, I took her to play on the bus in the car encountered a farmer worker left arm wrapped in a bandage, the child went up to ask uncle your arm how? The worker said he had accidentally broken it at work. Then he asked if he had insurance. I was really surprised! Through my patience, care, and attitude towards my work, he was infected. I am grateful to my clients, the insurance industry, and my family for making me who I am today. There is a saying in the insurance industry: "The marketer who takes insurance marketing as his work is mediocre; the marketer who takes insurance marketing as his career is excellent; the marketer who takes insurance marketing as his faith is outstanding." Marketers who make insurance marketing a religion.

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