Some of these positions such as grassroots management cadres, reserve cadres and other positions and special instructions, warmly welcome fresh graduates to apply, fresh graduates training program ......
Recruitment unit is an insurance company Jiangsu Branch, there is an insurance company Nanjing Branch, the unit address is the same. Each recruitment notice should be hired address room number is different, the recruiter is different, some even is the same room, different recruiter.
The recruitment notice did not leave a fixed telephone number, are cell phone numbers.
Insiders told reporters, in fact, a lot of jobs do not exist, are recruiting insurance business personnel, only to change the name of the first to deceive people over. Some job announcements and even the name of the insurance company have changed, into a joint-stock company, the industry or financial, insurance.
The reserve cadres of this position is the most confusing, many fresh graduates thought, this is the insurance company recruiting staff, do not have to run insurance.
In fact, these recruiters are insurance agents, and insurance companies only agency contract, no labor contract. And the insurance company employees are called in-house, by the insurance company's human resources department is responsible for recruitment.
The trap of the interview
Recruitment also has a set of industry jargon, if you take the initiative to call, say, there will be a job fair this week, you come over to take a look at it, the phone can not be said; if it is on the Internet to find your resume, it will say, I'm so-and-so insurance company human resources department, saw your resume, think you are capable of one of our positions (be sure to say that the reserve cadres, The first thing you need to do is to get a good deal on your own, and then you'll be able to get a good deal on your own, and then you'll be able to get a good deal on your own.
The reporter made a phone call, the other side said, there will be a job fair that afternoon, come and say. And sent a text message, "Hello, online received your resume, please come to my company in the afternoon to interview to find a certain supervisor interview, the address ......"
To call another job application, the reporter asked the other party's position, the other party replied that the Ministry of Human Resources staff. Details of the interview ask the human resources department manager, further inquiries landline, the other party to check the number as a reason to hang up.
And then hit other companies on the phone, the answer is the same.
The reporter came to an insurance company in accordance with the agreed time, the third and fourth floors are insurance company offices, each office is overcrowded, the table in front of the desk with a desk book, write the name of the person, someone in the interview.
Finding the contacted recruiter, the reporter quickly got a registration form to a pseudonym and made up ID number to fill out that application form.
Casually asked about work experience, the recruiter arranged for the reporter to listen to a lecture, a large classroom seated hundreds of people, many young faces look to be freshly graduated college students, a self-proclaimed director of the person intoned about the bright future of the insurance industry - "do not need capital, no need to buy goods, no need to buy goods, no need to buy goods, no need to buy goods, no need to buy goods, no need to buy goods, no need to buy goods, no need to buy goods, no need to buy goods. The first thing you need to do is to get a good deal of money, no need to buy goods, no product backlog, no cultural level, work experience requirements, but you can make a lot of money in the industry.
The interview is also a set up. If it is a fresh graduate to apply for the reserve cadres, the other side said: Hello. Why choose this industry? Have you ever had relevant work experience?
For fresh graduates, most of the answer is, "no" or "simply some contact".
"So do you think you can do this job? Do you know the industry well?"
The answer is usually "no" or nothing at all.
"Why did you come to work in this industry?" "I wanted to work on my skills."
"Well, have you ever thought that maybe a management position is better suited to exercising one's abilities, and in the future, if you were asked to manage a team one day, would you be willing to do that?"
Most newcomers would be willing.
"The management of a team requires knowledge of the company's products, familiarity with the company's operating procedures and understanding of the corporate culture. Are you familiar with our company?"
"All successful people in the world started from the grassroots of business in the beginning."
Graduates will ask, "You don't want me to do business, do you?"
"No, we just want you to understand our company's processes. All companies can't want an employee who can't create value for the company. You need to come and prove your strength ......"
The question was asked very fast, so that the applicant did not have time to think, so that the application process drips with water and introduces you to the door first.
To the reporter interview staff claimed to be the manager, did not find the registration form, the other began the interview. In a room with dozens of tables, fifty or sixty people, other seats are also many people in the interview.
Why do you want to do this job, do you have relevant experience ...... to everyone's questions are the same, the recruiter repeatedly claimed that they do not recruit businessmen, only reserve cadres and other administrative staff, but each position must start from the grass-roots level, three-month internships, internships must be pulled to the policy in order to be converted to the regularization, pulling The first thing you need to do is to get your hands on a new car, and then you'll be able to get a new car.
The reporter asked the company to promote the standard, the other business secrets for reasons of refusal to answer, "you do our company employees know.
Without waiting for the reporter to state, the other side said, you have passed the interview, next Monday to attend the pre-employment class to learn.
The trap of self-preservation
Into the pre-vocational class, the newcomer class ...... and then on the job, another set of traps waiting for you.
"Congratulations, got the insurance agent license, graduated ah."
"Our company's treatment of newcomers is very good. As long as you turn regular you can enjoy ......"
"You are not yet a formal employee of the company we have your management training and xxx training how to do it? You must turn regular."
"The company's promotion month is almost over, you see others have turned regular. How do you ...... you don't want to fall behind, do you?"
"Or not self-insurance (to buy insurance for themselves) it, first buy the hesitation period after the withdrawal, the loss of very little money. And the future is very capacitive to earn back ......"
"I just said, how do you come to the real? Do not regret ah."
"The rate is this fit, the hesitation period after the return is xxxxx, a year later is xxxxx."
"Congratulations on your conversion, the next position is account manager, you have to start to form your own team, to have two official group members, but also to complete the performance of × × × × you can become a customer director ......"
Insiders say, when you turn, you will find that the so-called benefits are almost nothing, the training is the same as those who have participated in the training before, said the same old thing.
Relying on a self-insurance you can turn, but to be promoted to account manager, you also need to get a commission of 3,200 yuan policy, many people have no business for three consecutive months, was eliminated. Losing $4,300 and taking over three months, you become a stepping stone for others.
The person who made it to account manager started his recruiting program, advertised for jobs, the cheapest and most cost-effective online, and maintained his position or promoted his position by recruiting new people to self-insure.
Certain insurance companies condone the operation of agents in violation
In the insurance industry, often use the tactics of the sea of people, who can recruit people who are cattle, just let the newcomers self-insured will have a lot of policies, so that people are also very sought-after, other insurance companies will dig you in the past, the people you bring is your capital.
It is understood that, at present, Jiangsu Province **** there are 49 insurance companies, there are still 4 in the pipeline for approval.
In fact, because of the fierce competition now, the companies in order to expand the business, are a large number of new recruits, in order to find more people, some companies began to violate the rules.
The reporter learned that the agent issued a job offer is generally reviewed by the insurance company, but the insurance company in order to performance, the gatekeeper is not strict, the agent of illegal recruitment turn a blind eye, and even condone them to operate in violation of the law.
"30% commission, after a few months can reach thousands of dollars a month, pull the more people the higher the position, the higher the salary, a certain person in just a few years to reach hundreds of thousands or even millions of salary ......" and so on and so forth propaganda attracted many The first out of school students.
The insurance industry is caught in the strange circle of marketing, constantly recruiting new people, elimination, and then recruiting new people, and then elimination, by pulling the head of self-insurance to achieve results.
"The current marketing model of insurance and pyramid schemes have some kind of blood relationship." Wang, director of the office of the Jiangsu branch of an insurance company, said that the current domestic insurance companies are implementing the agency system, no base salary, only a few foreign companies to implement the employee system, with a base salary.
The agency system is the primary stage of the development of the insurance industry, there are two ways to promote the agent, one is dedicated to the business, through the growth of commission promotion; the other is both the business and the organization of the team, the terminology of the industry called the increase in the number of people, through the continuous expansion of the team to achieve business growth.
Director Wang said, because and marketing has a blood relationship, in order to avoid the same problem as marketing, insurance companies to promote the agent's assessment of the special provisions, such as, the account manager's policy renewal rate shall not be less than 80%, the director of business policy renewal rate shall not be less than 70%.
The reporter learned that, in fact, this provision has not been strictly enforced, many companies only look at the performance, do not look at the renewal rate, many practitioners practicing less than a year to leave, there is no guarantee that the renewal rate, many of the results are newcomers to the self-insurance, there is no way to renew the contract. In the insurance industry, the ability to pull unfamiliar single is a very small number of people, most people are through relatives, friends pull the edge of the single.
Director Wang admitted that the agency system is suitable for people with certain social relations to do, not suitable for fresh graduates. At present, the agent mobility is very large, can stick to the personnel only 14%.
In terms of staff augmentation, the insurance company has constraints on the agent, the agent has to sign a letter of commitment, external recruitment (staff augmentation), are in the name of the business district or the marketing department, not in the name of the human resources department and other functional departments to recruit. The description of the position in the recruitment notice shall not appear "customer service personnel, secretarial, group training, lecturers, training personnel, personnel commissioner" and other professional nature of the internal work positions, and shall not appear "belong to the company's internal establishment, enjoy the treatment of regular employees" and other relevant information that does not correspond to the actual situation. Information. In principle, no information describing the base salary of RMB xxxxx (except for the rookie program) or information inconsistent with the actual salary shall appear in each recruitment position. The company is also required to review the online job postings after they have been published.
Although there are strict regulations, but Wang admitted that "agent recruitment may occur violations", she showed reporters a notification of the decision, the company's two agents in May had a website recruitment, due to complaints and was punished.
The relevant person in charge of the Insurance Regulatory Bureau of Jiangsu Province told reporters that the Bureau is firmly opposed to insurance agents to mislead practitioners with false recruitment notices, in accordance with the provisions of the insurance company shall not buy products as a condition for becoming an insurance marketer.
"I'm putting this out there because I've decided to leave the industry. When I learned the rules of the game in this industry, I could not go on anymore. Because I know that every step to go on, will be at the cost of conscience ......"
A few days ago, Nanjing fresh graduates Liu Tao (a pseudonym) told his employment experience, "college students are not suitable for the insurance business ".
In June of this year, the work is not yet settled Liu Tao in the Internet to see a well-known domestic insurance company's recruitment notice, the recruitment of many positions, he intends to apply for assistant manager.
In fact, from April, he noticed the recruitment notice, in the Nanjing Talent Network and Jiangsu Talent Network, the insurance company recruitment notice up to a dozen, often updated, each time the recruitment of jobs are up to forty or fifty.
Despite having heard of insurance companies cheating before, Liu Tao decided to give it a try in the absence of other employment intentions.
After watching a promotional movie and listening to a lecture, Liu Tao's view of the insurance industry has changed dramatically, that "this is a bright future of the industry.
The preliminary examination, re-examination all the way very smooth, Liu Tao thought it was his excellent and talk to win the trust of the enterprise.
Pre-employment class, newcomer class, all went smoothly, he became the only one in the newcomer class to open a strange policy (from strangers to get the insurance policy) staff. In the meantime, there are a lot of trainees opened self-insurance policy (for their own insurance), from a newcomer to the transfer of the need for 8500 yuan in premiums.
Spending so much money just to turn regular, which surprised Liu Tao, his director also always intentionally or unintentionally proposed to let him through self-insurance to turn regular. The director gave him a calculation, spend 8,500 yuan self-insurance, you can get 2,400 yuan commission, plus 1,200 yuan base salary, 10 days and then surrendered the insurance, return 600 yuan, you can get back 4,200 yuan, before the loss of 4,300 yuan, you can be converted. After the regularization, you can pull more policies, take more commission, the same money back.
Every day, he sings inspirational songs such as "Run Forward", and his colleagues and superiors often encourage him, Liu Tao feels that the working atmosphere is very good.
The situation soon changed. The department manager jumped ship. Because all the personnel are the superior independent recruitment, Liu Tao had to follow the forty or fifty people collective jumping ship.
In a month's time, they jumped to three consecutive insurance companies, one of which stayed only one day, and the other two stayed for half a month each. Due to his outstanding performance of pulling unfamiliar single, when he jumped ship, he was promoted three times in a row by the department manager, from newcomers to jump over the transfer, account manager, directly graded as business director, directly facing the team management.
The secret is that at that time he slowly found, he was taught by his superiors, like other directors opened the network, to take the more popular network recruitment. Every day's work is to go online to brush the resume to call.
Colleagues who started earlier always like to talk about their previous recruitment stories. Their director was nicknamed "a knife", newcomers to the insurance agent qualification, will soon be persuaded by him to self-insurance.
The director happened to be present, said he was most pleased with two things, one is a play online games, a superb equipment, he said, the next day to Shanghai to sell the equipment, sold 13,000 yuan, the same day back to self-insurance. There is also a just graduated college students, from the countryside, is borrowed money for school, he said, borrowed 3,000 dollars to buy the self-protection.
Liu Tao said, and later learned that these two people were eliminated because they did not pull the policy again.
Liu Tao knows that 13,000 worth of online gaming equipment is the cost of what is needed, the same, he also knows a poor rural students is to bear how much family pressure.
In the days that followed, he learned some of the tricks of the trade.
To get more commission for yourself, recruit more people and persuade them to self-insure, by constantly recruiting new people and self-insure, to solve the task of pulling their own policy. If you can pull five or six people a month and get them to self-insure, the account director doesn't have to go out and run the business to get five or six thousand dollars.
How is doing insurance the same as a pyramid scheme? It's all about pulling heads and getting them to self-insure. Liu Tao began to have doubts about his work.
The day before he left, something happened that Liu Tao can not forget: he asked an old director, what kind of people we want to recruit.
The other side asked in return, two people, one idea is very good, but the family is very poor, the other idea is not good, but the family situation is very good, which one do you want?
The other side went on to say, of course, we want the one with a rich family, and the one with a bad idea can be cultivated. But how can you afford to buy insurance when your family is poor?
Liu Tao suddenly remembered the new class inside the always ringing sentence: you talk to the customer, the customer asked you to buy their own insurance ah? You said no, how to talk to customers ah?
Previously, Liu Tao thought his experience is to give college students a great help in employment. One of his teachers also invited him to the school to the freshmen to open an employment seminar.
Liu Tao said, "Insurance is a good industry, but if I give the schoolchildren to talk about my employment, I think, at that moment I can not say a word."
"College students are not suitable for the insurance business." He said.