There is a well-known newspaper in southern China called Lingnan Chatter. It is said to be idle talk, but in fact, it is often an in-depth report on everything in the family and country, and it is famous for daring to speak, being able to speak, and leading the trend. So over the years, the influence is not only Lingnan, but also the whole country. In addition to many large articles, this newspaper is famous for its columns. That is, every New Year's issue can be popular, and there is indeed a high-quality level of newspaper.

This newspaper has four young people full of journalistic ideals, who are not willing to live in chaos under the general domination of social news. So they came out together and founded a financial newspaper "Genesis Financial Report", focusing on the content production of finance, finance, industry and economics, and politics and economics. The target is the Wall Street Journal in the United States.

They have a very smart nose, a vicious eye, and a quick hand and foot, and they see the salesman of Wanjia Insurance selling the magical "investment and investment, only three years". So I started to dig deeper, and this understanding was incredible. After interviewing a lot of customers and salesmen, mastering a lot of basic data and evidence, after a few days of collation, a continuous report on the problem of investment and sales came out.

The mainstream distribution of this newspaper is in first-tier cities, and it is also available in Gongzhou, and there are very few in Longcheng. So the people of Longcheng basically don't know. But Yu Yuanming happens to be a reading enthusiast who has been reading books and newspapers for a long time. should be regarded as an old reader of "Lingnan Chatter", and he often buys and reads "Genesis Financial Report" when it comes out. It's true that some of the content is wonderful, some of it is not easy to read, and some of it is skipped because it doesn't make sense. However, for each issue of insurance, the financial page is a must-read. For the dynamics of the entire domestic industry, some foreign information has been understood.

When I saw that report, I was shocked.

There is a problem with investment-linked sales, but Yu Yuanming didn't expect the problem to be so big, so wide, and so serious. I thought it was just that the quality of the salesmen in Longcheng was not high, and a small number of salesmen in Gongzhou were eager for quick success. Unexpectedly, the whole country has fallen, and even other places are more powerful than those in Jiangnan Province than Longcheng! Moreover, the situation caused by this is also very serious, and some customers have gone to the government to sit down.

There were also customers in Longcheng who came to make trouble, and Yu Yuanming sneered at the salesman at that time, thinking that how could he do this? People only have a few thousand yuan a year, so they dare to let customers buy 6060. Don't people eat or drink?

There are also female salesmen who are too shameless, it is a woman from Peach Blossom Town, two years younger than Yu Yuanming. Quite a bit of beauty, she has been a restless woman since she was a child. I don't know who introduced me to Wanjia, and I do a few 6060s almost every month, and I soon became the focus of the newcomers. Seeing that she is dressed charmingly, her language is bold, and she has been eyebrow-raising with Yang Yujun for a long time. People talked about it, but the rumors that she relied on sleeping with customers to sign orders for Yu Yuanming still didn't believe it.

Later, someone gave him an analysis, and he felt that it was reasonable.

The lady outside sells her body for only 200 yuan once, and she accompanies the customer to sleep once and signs a 6060 yuan, with a commission of 1500 yuan. Not to mention the incentive package, renewal benefits for next year, etc.

But the reputation of the insurance industry, the reputation of Wanjia Life was completely ruined by her!

The question is, why is there no one to stop or stop all the talk?

First, it is just a rumor, and no one has verified it. No one's husband came out to say anything, how can others accuse them openly?

Second, she slept with her clients and sold an insurance policy. Many women cheat, and when their lovers sleep with other men, there is nothing. There are even upside downs, what do you say? Society is chaotic, and it is commonplace to be a leader with miscellaneous skins. What's all the fuss about?

Thirdly, the department manager thought that as long as it brought me performance, I would increase the management benefits. Other people's lives are called private lives, and I can't control them.

There is also a customer who has saved 20,000 yuan and is ready to buy an insurance. So the introduction of the salesman was successfully handled, and when the renewal staff called to inform him of the payment, he was blinded: didn't he pay it?

The renewer told him that the insurance was paid for 20 years and that there were 19 contributions. He went crazy and came to the company to find a salesman. Because he only had 20,000 yuan, he chose to pay it in a lump sum, but he didn't expect the salesman to pay him on time.

The customer angrily took the insurance policy to the company to find the salesman desperately, but the salesman hid. The company's internal staff received him, and he didn't know what was going on until he told him. Judging by the way he dresses, the occupation he is engaged in, and the address of his home, he is definitely not the one who can pay 20,000 yuan of insurance a year! But what should I do if the surrender loss is too great?

In the end, I found the salesman and let him bear it. The commission will be deducted and the remaining part will be repaid in installments. This is the end of the matter.

But another matter is much more serious, which is solved by relying on the power of the police.

It was a Lion Lake customer who died, and according to the insurance contract, he had to pay out. According to the general situation, it is also necessary for the claims adjuster to investigate and verify.

Unexpectedly, as soon as I went to that village, the people in the village were very sympathetic and told the claims adjuster: This person is too miserable. He was blind since he was a child. I have been lonely and miserable for half my life, and I don't have a wife and children, so I finally saved some money and bought an insurance in the hope that I would have something to rely on when I was old. Unexpectedly, this time I went to herd cattle, but I stepped on it and rolled to the bottom of the cliff and fell to my death.

Usually he is very familiar, don't look at him blind, he is familiar with many roads in and out of the village. I don't know what's going on this time, alas, maybe it's fate, right?

Comrade insurance, you have to pay for it, and give him a settlement.

The people in the village originally wanted to make the situation more miserable in exchange for sympathy, which would be conducive to the smooth settlement of the claim.

But when the claims adjuster heard this, he was shocked: Ah!, blind man?!, how did the underwriting happen at that time?

After visiting and investigating, this customer is indeed blind. At that time, the physical examination was replaced by the salesman.

So the company immediately called the police, and the salesman was summoned. When he arrived at the Public Security Bureau, he trembled with fright, knowing that the matter had been revealed, and he confessed everything by pouring beans from the bamboo tube.

Here we need to explain how to find someone to replace you. First of all, provide the substitute when providing the customer's photo, and then cover the ID card avatar with the substitute's avatar on the physical examination data and then make a copy. In this way, the name, address, ID number are the real customer, and the avatar is the substitute.

To be honest, the doctors in the hospital do not know the medical examiners, and it is impossible to know the vast majority of the medical examiners. Second, there are many things, how can it be possible to check the blurring of the ID card and the subtle traces of copying when you are busy?

In this way, Zhang Guan and Li Dai passed the physical examination.

Therefore, later the insurance company thought of several ways to prevent it:

1. The physical examination center is located in the company.

2. The in-house staff will lead the customer to the hospital for physical examination, and carefully check the information by the way.

3. Customer return visit.

Therefore, insurance is a product that violates the needs of human nature, and no one is willing to take the initiative to buy when the risk does not come, and once they are willing to take the initiative to buy, most of them are problematic.

The complementarity between underwriting and claims verification is the two gates of risk prevention, which are cause and effect of each other. Wide entry will inevitably lead to strict exit, and strict entry can also promote wide exit. Of course, Yu Yuanming himself also had a lesson.