Mo Xiaobai took care of Luke's business.

Although he desperately wanted to help this good friend, Ye Zheng, who was familiar with product compliance insurance law, really knew that it was difficult to do.

"Done?!"

"Well, that's it. ”

"Tell me about it?"

"If Mr. Lu unfortunately dies because of this tumor, I will take his wife and children. Buy one get one free, I'll also count it as picking up a grandson for my father......"

", is his daughter-in-law pretty? Oh no, can you have some text. In this way, the child belongs to you, and the daughter-in-law belongs to me, whether it is righteous or not. "Ye Zheng hasn't served anyone yet.

"I think I'm quite dark, but I didn't expect you to be a Li Kui. Don't talk about the calf, if this Mr. Lu has a brain tumor, we will pay his wife and children 3 million. ”

Ye Zheng suddenly remembered something, and suddenly asked, "What you use is not exempt?"

The non-exempt clause is a major feature of Chinese insurance, in China, the interests of the people are greater than the sky, and the insurance company's money-absorbing model is not comparable to other industries. Insurance calculates probability, and to put it bluntly, it is the probability of risk after everyone buys insurance.

For example, if Luke buys an insurance policy for 10,000 yuan, if he dies of a brain tumor, the insurance company will pay him 3 million. Then there are three hundred people like Rook, who buy the same product, and if one dies, the insurance company will not lose or make money, and if these three hundred people survive, the insurance company will make three million, simple math problems.

What is the chance that an ordinary person will die from Rook's disease? This is more complicated, but it must be greater than 1 in 300. What's more, under normal circumstances, insurance companies will not insure people like Luke who have ** buried in their heads.

If Luke conceals his physical condition and forcibly takes out insurance, then this situation is called malicious concealment of insurance notice, and once the insurance is out and the person is gone, the insurance company has the right to refuse to pay.

This period is two years.

In other words, if Luke conceals his physical condition and forcibly takes out insurance, and the insurance company does not investigate it, then after two years, the validity period of this policy will become permanent regardless of whether Luke conceals his illness or not. Two years later, Rook died of his illness, and the insurance company had to refuse to pay because Rooke had concealed the cause of his illness.

This is the controversial "non-exempt clause" in China's Insurance Law.

The controversy is the question of how to define it in the face of the balance of deception and protection of the vulnerable.

There is also a problem, even if the insurance company cannot refuse to pay, it can deal with the relevant handling personnel, the most direct is the account manager.

"Hold you accountable. Ye Zheng felt a little sorry for Mo Xiaobai.

"What," Mo Xiaobai said disapprovingly, "Lu Xian's life is good, the hospital he once went to check, the data is not networked, not to mention that such a situation does not need to be underwritten, even if it is underwritten, it can't be verified." Wang Wei: Their rough feet are like my feet, and he still has to practice if he wants to trouble me. ”

That being said, it's not that simple. Ye Zheng knew in his heart that Mo Xiaobai had taken care of everything.

"Thank you, brother. ”

"What are you talking about, brother, what a big deal, I think that Brother Lu should not die, and it is not certain which of us will live long, haha. ”

is still the question that has been entangled with Ye Zheng for a long time, why do people often think of people who put on armor and run naked when they are in danger, and they never know that tomorrow and the accident will come first.

Han Bin once carefully analyzed the boundary between human nature and professionalism with Ye Zheng, so the problem is, if Luke doesn't know himself, he may be entangled in the rest of his life, worried about how the two mothers in the family will live without him in this world. Although he can't cure his illness, he can at least give him a comfort.

Thinking of this, Ye Zheng suddenly opened up a little.

It is a business to use professionalism to promote the right products to those who need them.

It is human nature to compare hearts with hearts, so that people who do not seek to understand cannot suffer dumb losses.

The balance of business and human nature, the chassis is professional, and the weight is proportion.

Just pondering, Mo Xiaobai's crisp voice floated over, "By the way, brother, you introduced this job, let's take half of the commission." ”

"You're going to earn the money. Ye Zheng said, "I earn an annual salary, and I take money from the account manager, am I still a person." ”

"Brother, I've seen you for so many years, and it's worth following you. That, let's have a drink tonight with this money!"

"This thing is reliable, you pay for it today. By the way, I'll give you something more. Ye Zheng took out a stack of paper from his briefcase, took a dense form from the department, and handed it to Mo Xiaobai, "You take it home and take a look at it yourself, and tell me what you can see when you're done." ”

Mo Xiaobai is a smart guy, he took it and knew it, but he couldn't stop his habitual poverty, "Good guy, such a big table, if I am blind, no one will drive you in the future." After a brief look, he folded a few pieces of paper, and took a stack of documents on Ye Zheng's table, regardless of whether Ye Zheng was useful or not, rolled them into a roll and said as he walked, "Tonight, our old place, a tavern near my house, let Boss Zhao bake us a big elbow!"

Ye Zheng thought about whether to sum up with Lao Yu Xian or discuss with Mo Xiaobai first, and after thinking about it, he felt that it was better to ask Mo Xiaobai's opinion, and only have the content when chatting with Lao Yu.

Since Ye Zheng came, Lao Yu has become more and more Buddhist, because he doesn't have to report directly to Si Xiang, Ye Zheng is a master who likes to lead his troops to fight, and he rushes fiercer than anyone else, so he is more like a strategist, always appearing behind Ye Zheng when he needs it. Ye Zheng admired Lao Yu's sense of proportion very much, his temper became more and more hot, and the calm Lao Yu always left a step for him to go downstairs, these two had a black face and a red face, and the entire enterprise insurance department was in full swing at the end of the year.

Ye Zheng and Lao Yu both knew that the more lively the department did, the less Si Xiang would intervene.

An unfamiliar call came in, Ye Zheng frowned instinctively, thought about it, didn't order takeout or courier, so he picked it up.

It was Han Yi on the other end of the phone, inviting Ye Zheng to Fengtai Insurance to sit down, and his peers were not necessarily enemies, they were all enjoying the shade under the big tree of Zhanye, and if they had a good deal, maybe they could achieve a win-win situation.

Ye Zheng was secretly taken aback, and he didn't have time to think of anything, so he had to accept this invitation first.

I didn't expect this guy to be so fast, after the last time we met, Ye Zheng knew that no matter from the layout or precipitation, the current Zhanheng and Fengtai, who had been deeply cultivated for many years, had almost no chance of winning, and the ghost knew what Yang Guodong and the others were doing every day.

Although he is rooted in the seedlings, the branch department is being dispatched for a long time, Han Yi and they are insects who have been immersed in the grassroots for a long time, Ye Zheng originally planned to study countermeasures with the old Yu Xiaobai and them, how to recover the lost ground faster, in fact, to say that the "lost land" is a little blushing, and the "concubine" Fengtai was originally worry-free, but now a "grandson" Zhanheng has come out of the sky to take over the river and mountain, how can people lead the neck to kill. Just when these "princes" were still planning to discuss a big plan, they had already come to the door.

It's too fast, there's no respite, no matter what kind of medicine this guy sells in his gourd, let's go and talk about it first.

Ye Zheng has a violent temper in his bones, and in the face of Han Yi's naked bright muscles, he naturally can't bear it.

After thinking about it again and again, he still brought Lao Yu, and when it came to banking business, naturally Han Yi was not an opponent, Ye Zheng was an expert among experts, if it was changed to a venue called "insurance", the rules would change, and in front of Han Yi, a young ** lake, even Ye Zheng would only be pressed to the ground and rubbed.

Even so, Ye Zheng still made a lot of preparations, he asked Tian Chi to learn more about the situation of Fengtai in the exhibition industry, and knew that the area actually covered by Fengtai was only about forty percent, but basically there were many corporate customers, and the regional business environment was relatively good branches and outlets.

The index points to the assessment, the assessment is the best policy, the assessment is the invisible hand of the bank, no matter how large the team, will follow the direction of this finger, the best to complete, the most profitable indicators to start.

After careful analysis, Ye Zheng believes that it is too difficult to hit hard at this time.

No matter how big Zhanye Bank is, there are more than 100 outlets in 15 branches in Binshan, and the land that can grow crops is planted with Fengtai's flag, Ye Zheng rubbed his head and asked Lao Yu, you said that our Zhanheng has not been a year or two, why is this bank doing so poorly, this is obviously nothing.

Lao Yu smiled embarrassedly, firstly, we did not lack this business before, and the task was completed, and secondly, after having the banking business, the general manager brought Yang Guodong's team, and the old Yu supervised again and again how could he really not take it, plus Si Xiang didn't say anything, what you see today is like this.

Before leaving, Ye Zheng dressed up seriously, his tie was meticulous, his shoes were shiny as new, his suit was straight, and his hair was shiny, making him the head of a senior manager of a high-end insurance company under a large-scale bank.

In contrast, Han Yi is much more casual.

The little girl who led the way pushed open the door of Han Yi's office, Han Yi was still on the phone, and there was a cigarette in his other hand, which was almost burning to the point of fingers Han Yi didn't notice it at all, and was still pointing at the phone on the phone. Seeing Ye Zheng and Lao Yu entering the door, he hurriedly pointed to the phone in his hand apologetically, pressed the extinguished cigarette butts into the ashtray stuffed with cigarette butts, and collected the messy documents on the sofa with one hand, freeing up the place where the two of them sit.

Ye Zheng signaled that it was okay for you to continue calling, so he sat down with Lao Yu, and looked around at Han Yi's office by the way.

Mom, what has happened to this office, is it people?

The office building where Fengtai Insurance is located is much older than Zhanheng's, and the elevators are all swaying. Han Yi's office can be said to be the smallest Ye Zheng has ever seen, and there is no one.

Han Yi's desk was filled with reports and documents except for a monitor, and a metal ashtray filled with cigarette butts was the only decoration on the table.

There are no bookshelves and wardrobes, a simple hanger with a few suits and shirts, the shirts are all white, even the style and texture are the same, and they are neatly hung. Compared to a messy desk, it looks very divisive.

Next to the desk is a marching bed, and further back, there are several boxes of mineral water and two and a half boxes of instant noodles, a box of braised beef, and a box of Laotan sauerkraut.

"This Han Yi is okay, instant noodles eat meat at noon and vegetarian at night, more particular than you. Lao Yu whispered and joked with Ye Zheng.

As he was talking, Han Yi finished the phone call and took two bottles of mineral water to Ye Zheng and the others.

Dragged a suit from the hanger and put it on, pulled it over the stool and sat down.

"I'm sorry, you two have been waiting for a long time. ”