When it comes to underwriting, it is actually the first point of risk management.

Once, Yu Yuanming asked a leader of the operation department of the branch to supervise Longcheng on a question. This question shows the importance of underwriting!

This problem was discovered by Yu Yuanming in the market, that is, Shenzhou Life Insurance has group insurance for coal mines, but Wanjia does not.

Coal miners are high-risk occupations, and individual life insurance is a refusal occupation. In view of the five lines and seventy-two lines in the society, the insurance company has specially formulated an occupational classification table. According to the degree of danger of the occupation, the rate of accident insurance is determined according to this occupational division. There are some professions that are very dangerous. For example, war correspondents, coal miners, explosives manufacturers, and transport workers are all people who refuse to be protected. But what if they need insurance again?

Group insurance.

The difference between group insurance and individual life insurance lies in the number of people. In other words, group insurance is called wholesale, and individual life insurance is called retail. Wholesale can of course be adjusted according to the situation, but there is very little room for retail.

The second is that most group insurance is short-term, and most individual life insurance is long-term. The construction period of the construction site can be as long as a few years, as few as a few months, or even a few days. It is not the object of the lifetime responsibility of individual life insurance.

But what Yu Yuanming didn't understand was that Shenzhou Life Insurance had insurance for coal mines, but the group insurance department that came back to ask Wanjia didn't. Ask why not? Say it's too risky, and if you underwrite it, you will lose money. Then why does Shenzhou have it? Aren't they afraid of losing money? The group insurance department couldn't answer.

This time, Director Yang of the operation department of the branch came down, and Yu Yuanming asked about this issue that day, and Director Yang explained in a rich baritone, and Yu Yuanming understood. It turns out that there is so much attention to here.

Director Yang said: Any insurance underwriting is to control risks, and claims are just a matter of investigation, confirmation of facts, sorting out evidence, and payment according to the terms. Preventive control in the underwriting stage is the core stage of risk control. If there is no good underwriting and the entrance is not well controlled, there will be serious losses or many things in the future. Customers are unhappy, employees are unhappy, and the company's brand is damaged.

Specifically, as far as this group insurance is concerned, there is only one reason why our company does not underwrite is that the loss ratio is too high to bear, so we simply do not sell.

But why can Shenzhou Life sell it?

Because people have a lot of business and a big plate, he can afford the same loss ratio. Because the total premium is much higher, the cost can be controlled. And we have no competitive advantage in this market, we can't get much premium, as long as a customer has an accident, it is not enough to pay all the premiums. Where do you dare to sell?

Yu Yuanming only now knows the original knowledge here. In fact, this is only the tip of the iceberg of the group risk, a lot of the facts of the group risk are not on the table, and the real and unbearable side is under the table. And this is what Director Yang couldn't make clear to Yu Yuanming at that time. For example, why can Shenzhou Life Insurance do the market, but Wanjia Insurance can't do it? The group insurance market, involving units, mainly depends on the leadership. Whether it is an administrative career or an enterprise, the premise of leadership is that the leader must be beneficial. In this regard, Wanjia is a weakness. Not to mention, there are many more relationships. Behind these things, it's all interests!

The underwriters are generally from medical and legal professions and have professional skills in risk control. But these professionals are easy to be rigid, and even their expressions are very serious. It turned out that when Wen Ming was quiet, Yu Yuanming couldn't feel it. Because Wen Mingjing is a very gentle, elegant, easy-going person, very easy to get along with. After he was transferred to Chongqing, Feng Kejian came, and his style changed greatly.

First, Feng Kejian rarely laughs.

Second, whenever there is a problem, he will immediately think and judge from the worst perspective.

Third, when he speaks, he is also expressionless, and he speaks all good words, killing people.

Including him going to Lei Wenjie's office to report his work, he also talked about the situation seriously with his hands behind his back. Lei Wenjie laughed at him: I feel that you are the leader to assign me a job?

Most of the underwriters and claims underwriters Yu Yuanming met later were like this.

For a while, he also felt that these personnel were dogmatic and would not be flexible. Later, when he became an internal manager, he realized that it was actually a misunderstanding.

From the perspective of job characteristics, underwriting and claims need to be rigorous and solid, selfless, and pragmatic. Because of the negligence of this position, it may cause the company to lose tens of thousands, hundreds of thousands. Moreover, it is often a senseless loss, so the company attaches great importance to the moral thinking of underwriters and underwriters, and the process control is also very strict.

From the perspective of job functions, they have a natural cooperative and antagonistic relationship with the business team. Salesmen all hope that their policies can be successfully underwritten and settled. In fact, there are always some policies that can't be covered smoothly for a variety of reasons. Or an additional fee, or a special agreement, or a refusal of insurance, or a reduction in the amount of insurance. This is what the salesman does not want to see.

Not to mention the claim, as long as a customer is not satisfied with the claim, the salesman is under great pressure. The salesman will pass this pressure on to the company, specifically to the claims adjuster. However, in many cases, it is quite difficult to make a decision to refuse compensation, but according to the terms and specific matters, it has to be denied.

Therefore, there is a saying: the underwriting and compensation that has not been complained about by the business personnel is unqualified.

Feng Kejian and Yu Yuanming have a good personal relationship, and when they got married, they specially invited Yu Yuanming to be the best man.

Yu Yuanming is also a well-known bachelor in the company, and he is very experienced as a best man several times. Not only did he fulfill the duties of the best man, but in many cases he also arranged for other people's work.

It's also very fun to be the best man for Feng Kejian this time, just to tease the bridesmaid.

Feng Kejian's wife is a doctor in a township hospital, and the bridesmaid is a nurse in their township hospital. He was tall and plump, and his face was like a full moon. It seems that the person is kind and simple, but there are some freckles on the face, which reduces the brilliance.

Yu Yuanming had the heart to tease her. Just ask: You're a bridesmaid for the first time, right?

The other party answered honestly: Yes!

Yu Yuanming deliberately said: There are many rules here, don't make a mistake later. A lot of people in the audience watched it!

The other party nodded hurriedly: Yes, yes, I don't understand anything at all, they arrested me, you remind me more.

Yu Yuanming said quietly: Okay. Just listen to my command later.

Yu Yuanming didn't lie either, there are indeed many places that need to be commanded. For a while, I will help the bride receive the red envelope and pass it to the receiving table. For a while, I will help the bride pull the hem of the wedding dress, so as not to mop the floor. For a while, he helped the groom to carry cigarettes and lighters, and lit cigarettes for the guests, so that the groom could not lack cigarettes in his hands. After a while, the guests were seated, in short, they were constantly busy. Finally, the ceremony begins, and the bride and groom come to the fore amid the cheers of the crowd, the music and the dancing of streamers. As the best man and bridesmaid, he naturally follows behind and follows in the same direction. Yu Yuanming poked the bridesmaid with his elbow: See, the front is holding hands. We're going to hold hands, too.

The bridesmaids obediently held hands with Yu Yuanming and followed behind.

Yu Yuanming felt that her hands were hot, fat and fleshy. It's very real!

They were held until the end of the ceremony, and then they were separated. Both hands were sweaty.

After resting for three days, Feng Kejian officially went to work.

Privately found Yu Yuanming: What is your impression of the bridesmaids? Do you want me to pull a line?

Yu Yuanming smiled: No, no. Misunderstanding. It's just a joke.

Feng Kejian felt that he came with a mission: Eh, you are not small. This girl is good. Regular employees, if they have a relationship, will be transferred to a county hospital or a traditional Chinese medicine hospital in the city in the future, won't everything be solved?

Yu Yuanming waved his hands: There is really no attempt. It's just a show.

I'm sorry if there's a misunderstanding!

Feng Kejian couldn't say anything, so he laughed it off.

This is one of the exclusive smiles that Yu Yuanming rarely sees. Precious.