When I got home, I wasn't ready to say anything, so I just played a knife with Moon Dam - Ming Chop.

As soon as the matter was explained thoroughly, Dad Yu Hongsheng picked up his wine glass and said nothing. He took a sip of wine and continued to use chopsticks to pick a few pieces of roast meat on the plate.

Mother Yang Fengxiang sighed: Yuanming, it's not me who stops you. You've also been out, and it's hard to find money outside! I'll tell you first, there's no money to buy insurance in the house! Chen Bin and the others came that day, and I felt that they had a purpose. Also, if you go to the insurance company, who in the house will help me open the store?

At this time, Yu Hongsheng spoke: Yuanming, I also drank wine tonight. Say a few words to you: You are also 26 years old, and you have never played with friends, how old are some of your classmates' dolls. We can't help it, we can only ignore you when we think about it. Many other people have told me, is it a rural girl doll that you look down on? But you also know that our family is only like this. Which of the female dolls in the city can afford you? Whether you go to the insurance company or not to make your own decisions, anyway, I, an old man, can only look like this. I still say the same thing: The cowhide is three inches thick, and everyone is looking for an eye.

After saying that, he took another sip of liquor. After a long silence, he didn't speak again.

Yu Yuanming whispered: Mom, I will continue to do the business of the house. I thought about it, and the five days of training were over. Every day I go to the morning meeting to buy food, and after the morning meeting, I come back to do business. In the afternoon, I will go to run the insurance again.

Yang Fengxiang said hatefully: That Chen Bin is too, bring someone to mess up your heart. The next time I meet them, I'm going to have to say a few words about them!

Yu Yuanming persuaded: Mom, don't blame others. I'm going there myself.

His younger brother Yu Zhiming hadn't come back at that time, and he was driving a Chang'an car outside, and he basically respected his choice for his brother's affairs.

The training three days later opened Yu Yuanming's eyes and sighed that he should have come earlier!

The head teacher is a very tall woman, and she is not young in appearance, she is estimated to be about 35 years old! She introduced herself as Xu Xiubo, who was originally a teacher at the children's school of the Longcheng Chemical Plant, and later came to work in insurance when the unit's efficiency was not good. 's tall figure, non-standard Mandarin, straight shawl hair, a decent white shirt, and a smile make Yu Yuanming have a good impression of her.

There were about 30 students in this class, and the men and women were so unhappy. Yu Yuanming noticed that several of the girls were very beautiful and fashionable. There is a girl whose lipstick is a thick brown color, and her lips are plump and shapely, which feels like summer coffee ice cream. At first, they didn't know each other, and the head teacher asked everyone to introduce themselves, what their names were, where they came from, what they used to do, and what to expect when they came to Wanjialai.

Don't look at these four simple contents, many people say that they are pimple-pimpling. Either they don't want to stand up at all, or they squirm when they stand up, and when they speak, their voices are low and their faces are red. And often the words don't make sense, and they don't know their names very clearly.

Yu Yuanming was a little better, standing straight and with a loud voice, even after finishing speaking, he felt a little nervous. After sitting down, my feet were still shaking involuntarily.

He also noticed that a young man named Peng was very generous and natural, and he expressed himself calmly and smoothly. I couldn't help but look at it twice, and found that the young man was really in good spirits. In addition, the girl with the brown lipstick not only has a beautiful face, but also a really good figure, with plump and firm breasts, a tight and slender waist, and long legs. When he spoke, he was yin and yang, and he didn't have much strength. However, Yu Yuanming remembered her name: Zhong Qian.

Everyone introduced a circle, and Yu Yuanming realized that everyone had the mentality of trying it out. Everyone, like him, doesn't know anything about life insurance. Thinking of this, deep down in his heart, he felt as if there was still a kind of strength and peace. Some are still from distant towns and villages, which require an hour's drive. It's not easy to think about!

The course is really rich, and the first day is an introduction to the industry and the company. Yu Yuanming learned that insurance was one of the troikas of finance, along with banks and securities. The development of insurance is closely related to the national economy. The first insurance agency in China was opened by an Englishman in 1805. The earliest insurance company established by Chinese national capital was Renhe and Jihe Insurance Company in 1885, when the Qing Dynasty had not yet died. The emergence of life insurance in China is Huaan Hequn Life Insurance Co., Ltd., which was founded by Li Yuanhong, who used to be the president.

In 1949, there was only one insurance company in China, the Chinese People's Insurance Company. Domestic operations ceased in 1958 and resumed in 1979.

Life insurance in New China is now booming, and in 1996 the National People's Congress passed the Insurance Law of the People's Republic of China, so there is no need to worry about the legitimacy of the insurance industry. Insurance companies are legal financial institutions that operate openly under the supervision of national laws, and marketers are also personnel who need to be trained and examined, which are two completely different concepts from pyramid schemes.

This knowledge gives everyone a bottom in their hearts. Many people are actually affected by some negative remarks in their hearts, and they are worried that the insurance company is a pyramid scheme.

Then the company was introduced, and now it was introduced by a tall young man. This young man should be 1.8 meters tall, with very white skin and a lovely smile. (Yu Yuanming found that people in Wanjia Insurance are very fond of laughing) If you want to say that it is insufficient, it is that he does not have too much hair.

He introduced himself before the lecture, his voice was loud, he was confident, he spoke quickly, and he had a great sense of humor. His name is Meng Fan, and he is from the provincial capital of Gongzhou City. Two years ago, I entered the insurance company in the same confusion as everyone else. Then I worked hard and made it to the manager. A year ago, I went to Dragon City to prepare alone, and now I have a monthly income of more than 10,000 yuan. (At this point, he paused slightly, and everyone exclaimed that it was so high!, and some people expressed disbelief.) Yu Yuanming is one of them) His situation is very simple, and then he will introduce the company.

Wanjia Insurance did not exist originally, but the current chairman felt that China needed to develop insurance, and he also prepared a Wanjia in a development zone in Shenzhen. In the beginning, there were only a dozen people and a few bicycles. At that time, it was a blank period for insurance, and many people and units did not know what it was. It is said that the first business was received, and Wanjia Company did not have an insurance application. In the absence of any choice, an employee went to the People's Insurance Company to pretend to be insured and came back with an insurance application. Therefore, the words "People's Insurance" on the insurance policy were changed to the words "Wanjia Insurance", and the first insurance contract was born. Later, after years of development, it moved from the development zone to Shenzhen, and introduced a large state-owned bank as a shareholder. Later, the business expanded to more than a dozen coastal cities and became a regional insurance company. But at that time, I was only doing property insurance, such as vehicle insurance, family property insurance, and so on. Now, everyone understands that the insurance industry is divided into two categories according to the subject matter of underwriting, one is property insurance and the other is life insurance. And now sitting in the training classroom and receiving education are life insurance marketers.

The chairman of Wanjia is not from a high background, and it is said that he is the driver of a big leader. But he is very smart and runs Wanjia Insurance prosperously. Later, I went to Taiwan for an exchange with the same industry, and asked which one has more market prospects, property insurance or life insurance? The same industry itself is engaged in property insurance, but the Taiwanese have different names, and they call it Mingtai Product Insurance. They said very sincerely: In the future, life insurance will definitely have more development prospects! However, the chairman of Wanjia, who does not know how to operate life insurance, knows how to hire people. So I found Huang Yigen, vice president of Zhongxing Life Insurance, in Taiwan and invited him to come to prepare the life insurance business of Wanjia Insurance. Mr. Huang brought his apprentice Zheng Shunwen over again. Zheng Shunwen is also very powerful, it is said that Mr. Huang said such a sentence: I have not achieved much in the insurance industry in my life, that is, I have increased the number of Zheng Shunwen.

This sentence highlights Zheng Shunwen's status in Huang Yigen's mind. Zheng's ability can be seen from this.

Yu Yuanming noticed the word: increase in personnel.

This is a saying that did not exist in the original, it was originally called recruitment, and it was called recruitment before.

Also, Huang and Zheng belong to a master-apprentice relationship. It's also a little different. Because in addition to the traditional trades, there is very little master-apprentice relationship in the factory.

This insurance company seems to be very different from the outside world, and it needs to be learned.

Manager Meng then introduced the culture of Wanjia Insurance Company;

Reputation first, efficiency first, customer service first;

In particular, he talked about the role that competition plays in the service. Yu Yuanming thought right, it turned out that there were only supply and marketing cooperatives in Taohua Town, and there was no service at all. You have to accompany the smiling face when you go shopping, and he is still very impatient.

The restaurant is also, it turns out that there is only one state-run hotel in Peach Blossom Town, and the business is not bad. Later, after the opening of several private restaurants, the state-run restaurants, whose business was getting worse and worse, collapsed.

Manager Meng also talked about the morning meeting system of Wanjia Company, Si Ge.

It turns out that this system is a Japanese system, and it was very good to be implemented in Taiwan at the earliest. (Taiwan was once under Japanese colonial rule for 50 years, leaving a deep variety of traces) Huang Yigen and they came to the mainland, and naturally began to paint the current scoop according to the original gourd.

The company holds a morning meeting at 8:30 every day for about an hour, mainly to sing the song and read the company's instructions. News broadcasting, special explanations, business sharing, and government decree transmission.

Then the marketing partners can go out and visit the customer, and the time is very free.

Then he played the song and taught us to sing it.

The song is said to have been composed by a famous composer, the lyrics of the company collectively, and sung by a baritone singer, vice president of the Shanghai Conservatory of Music.

Listen to this song in its entirety and carefully for the first time. Yu Yuanming was shocked!

He heard the picture sense of this song: a round of red sun erupted, a group of people running for their ideals on the ground, suits and leather shoes, carrying lockboxes, vigorous steps, and their faces were full of confidence and happiness.

In his imagination, his heart was surging, turning over the river and the sea, and even his eyes were damp.

However, when teaching singing, everyone found that Manager Meng's musical talent was too poor. It's completely incomplete!

Everyone laughed so badly that Manager Meng was embarrassed in the end. Just put on the music and let everyone sing along.

The day's lessons are finally over.

After participating in a day of study, Yu Yuanming did not feel tired like other students, but felt that his heart was full of strength, and there was something fresh tumbling in his body.

The next day, it was still the same classroom, and it was still the same class teacher.

In the morning, we will learn about the meaning and function of life insurance.

I didn't expect so many people to cry when they became adults!

The teacher in today's class is a chubby manager, dark and fat and not tall. is very similar to the male version of Han Hong, or black.

Why is it like Han Hong, it turns out that this young man named Wang Yuqing speaks and sings very well. Maybe it's the resonance of the chest, maybe it's the professional training, anyway, his Mandarin is very standard, his words are clear and powerful, and his singing is also emotional, which is deeply infectious.

Mr. Wang is a college student who has just graduated, and because his home is in Longcheng, he came back to work. I was introduced to Wanjia Insurance through a friend. He is currently working as a district manager. Speaking of which, he also showed everyone a small plastic sign on his chest: Please see clearly, my position is district manager, not my surname district. My surname is Wang, and my name is Wang Yuqing. If it is a surname, that character is also pronounced OU and not QU. You know?

Everyone laughed when they heard it.

Then he began to talk about the meaning and function of life insurance.

In the process of telling, he interspersed several touching stories and accompanied by a few songs, so that everyone deeply felt the responsibility of the family, the gratitude of love, the risks in the process of children's growth, the pain of losing health and losing loved ones, and the hidden worries of future pension.

Those shocking accidents, the shouts and cries of those relatives, and those unchangeable realities all aroused great resonance among the students.

In the face of detailed data and specific cases, everyone has re-understood the insurance industry.

There is no doubt about the function of the insurance industry in society. There is still a big gap between China's insurance industry and the world's insurance industry, and on the one hand, we are backward, and on the other hand, we have a huge space for doing this work. Think about the concept of 6 insurance policies per Japanese person?

Think about the Americans, the British, the French, the Italians, the Canadians, the Australians, the Spaniards, those developed capitalist countries, all have a large number of insurance companies and a large number of salesmen in service. The people fully enjoy the happiness and tranquility brought about by the insurance industry, and they have access to help in their studies, medical treatment for their illnesses, support for their old age, and financial care; why do the elderly people from abroad come out to travel around the world? It is because they bought sufficient insurance when they were young. And our parents and many more elderly people around us have never been abroad in their lives, and they have not traveled a few times in their lives.

All because we are poor, because we have not arranged the future scientifically and reasonably.

Insurance is a calm preparation before departure.

Honestly!

At the end, Manager Wang taught everyone a sign language dance "Grateful Heart". The moving music, the touching lyrics, and the story behind it, Manager Wang slowly recounted, and everyone burst into tears. While gesturing, I sang along and wept.

Yu Yuanming peeked at it, and many people were crying silently. Only the young man surnamed Peng didn't, he saw Yu Yuanming looking at him, and blinked. A message was delivered that was not clear.

Two classes were held in the afternoon, which was also very rewarding.

One is "Ten Thousand Family Etiquette", and the other is "Basic Knowledge of Life Insurance";

The previous course mainly talked about daily etiquette, which opened Yu Yuanming's eyes, and it turned out that there were so many exquisiteness in life. The latter course is completely to popularize everyone's insurance knowledge, and I listened to it vaguely, but I also memorized some of it.

The class of "Ten Thousand Family Etiquette" is a female teacher named Zheng Xiaolan. Very elegant and intellectual, she introduced herself as a government financial officer and worked part-time as an insurance worker. I happen to be free today, and I would like to share with you an etiquette lesson.

Yu Yuanming remembered two words: part-time, it turns out that insurance can also do part-time work! Sharing, lectures are lectures, how to call sharing?

Unexpectedly, something happened in the afternoon that everyone did not expect.

It's easy to get sleepy in the afternoon, so the teacher will ask everyone to sing and dance before starting. After two days of classes, we became a little familiar with each other. Yu Yuanming is still not very gregarious, and he always feels that he has a gap with some classmates. Especially those well-dressed classmates, who look better than him at first glance.

A few minutes after the afternoon class started, the door was suddenly pushed open.

Outside the door stood a tall man with glasses, with a serious face, his lips closed, and his eyes piercing into the classroom. After a while, the woman sitting next to Zhong Qian stood up and went out with an uneasy face, not forgetting to close the door with her hand. After a while, there was a low and fierce quarrel outside the door, and it was not clear to hear it. After a while, she came in and said to Teacher Zheng Xiaolan: I'm sorry, my husband won't let me participate in the training, I'll go back first. The teacher said okay. So with apologies and deliberately controlled emotions, she quickly packed her things and went out.

Of course, the teacher needs to draw our attention back immediately. Snap a double high-five and say hello to everyone loudly. And everyone must answer her neatly and loudly.

So I calmed down and listened to the teacher explain the etiquette of Wanjia, some etiquette was known to Yu Yuanming, but not careful enough. For example, when you make and receive a call, you know how to answer it and how to call it, but who hangs up first doesn't pay attention at all, and hangs up after speaking. For example, how to make a phone call with a smile, how to make the other person feel your smile, this is difficult.

For example, introduction, who to introduce first, and who to introduce later, is also particular.

For example, wearing a shirt and tie, how to match, the length of the tie, and the color of the tie are also particular. Yu Yuanming usually wears a crewneck shirt and shirt, but he has never tied a tie. I don't know how to tie a tie, and it is said that there are several different ways to tie it. I can't see it very clearly on the slide, but it's a new world for Yu Yuanming.

The class ended quickly, and everyone began to practice shaking hands with a giggle. Practice handing and receiving business cards. Bow 15 degrees and bow 30 degrees. I just started my internship and still didn't get home, and many of my classmates made everyone laugh in a nondescript way. Some people are also asking Zhong Qian what happened to that female classmate. Zhong Qian said that she didn't know very well, anyway, her husband didn't agree with her coming out to show up, and she felt faceless.

During the recess, Yu Yuanming found that several students from the countryside were chatting together, and the natural people in the city were chatting happily. I'm on the outskirts of the city, and I don't know how to belong. In addition, I found that a female classmate was also sitting there quietly, silently. This female classmate was wearing a very ordinary dress, wearing glasses very gentle, and her skin was still white. The appearance is also very ordinary, the head is relatively round, the cheeks are sharply tucked to the chin, and the mouth is tight, much like a dragonfly. Yu Yuanming couldn't help but feel that his association was very creative, and the corners of his mouth couldn't help but smile. He boldly stepped forward and asked, "Why is you sitting here alone and not talking with everyone?" The other party smiled slightly, and replied a little awkwardly: I don't know each other well, so I don't know what to talk about. After saying a few more words, I learned that she was a laid-off accounting staff of a state-owned unit, and her friend was in Wanjia Insurance, so she introduced her to find out. Her name is Pu Hongmei, and she is married and has children. This is an honest person, Yu Yuanming feels a little kind.

The second lesson was more interesting.

Many people think they know about insurance, but when they learn, they realize that they don't know anything about insurance.

This class is still taught by teacher Zheng Xiaolan. It is mainly an explanation of the terms of some insurance professions, and some cases are also given in the middle.

The first is the insurer, and many people think that the person who does insurance is called the insurer. Actually, no, the insurer refers to the insurance company. The one who does insurance is called an agent. Everyone thinks it's very fresh, isn't the insurance person called a salesman? a salesman? Why is it called an agent? Mr. Zheng didn't make it very clear, anyway, he said that we are all agents, agents of the company's products.

Oh, everyone nodded in understanding.

Another example is the amount of insurance, which everyone doesn't understand. It is the amount of insurance, which is the amount of insurance provided to customers by the insurance company according to the contract. In layman's terms, it is the amount of compensation for a critical illness when the customer dies or is disabled. Of course, pension insurance and children's education insurance (please note that it is not GEI but JI) is also paid according to the amount of insurance.

It turns out that many of our worries are introduced in the basics, for example, we are worried about customer funds, and after learning the basics, we know that the funds of insurance companies are regulated by the People's Bank of China. All the customer's money and the company's money are two days, which is called the separation of income and expenditure, and the income and expenditure are two lines. For example, we are worried about the loss of the customer's insurance policy and the loss of the invoice. In fact, they don't understand the operating regulations of insurance companies. All customers' insurance policies are to be filed electronically. After the loss, as long as you pay the ID card, you can check it, and you can make up for it by paying 10 yuan of production cost.

For example, we are worried that the insurance company will pay too much, and the business will not be able to do it, so we will run away. In fact, it is also an unnecessary worry. First of all, underwriting and compensation is to control risks, and the company will refuse to pay what should not be insured, and will not pay casually if it should not be compensated. And every premium of the insurance company includes the payment of the claim. The Company also draws down the Claims Reserve and the Outstanding Claims Reserve every year. Moreover, at the beginning of the establishment of the insurance company, it was paid-in monetary capital, at least 200 million, and the national must be 500 million to open. Otherwise, it will not be possible to pass the approval of the state.

What is paid-in monetary capital is cash. What property, land, equipment, furniture can not be counted.

Knowing this, our hearts are much more stable.

Next, the insurance liability is introduced, which is the content of the insurance company's protection in the clause.

The insurance period is the time when the insurance company is liable.

The cooling-off period is when each customer has 10 days after receiving the policy to surrender the policy unconditionally. Special attention is paid to the details: not within ten days after the contract is down, but within ten days after the customer receives the contract. Because the salesman is delayed for his own purposes, the customer can still surrender the policy unconditionally. In order to control the delay in the delivery of the customer's contract by the salesman, the company also stipulates that the signed receipt page signed by the customer must be returned within the specified time.

There are a lot of details that we need to learn and digest one by one. I feel like I've learned too much in the past two days, and I haven't figured this out yet, and that one is here again.

A lot of knowledge is swallowed up, and I learned a rough idea.

Yu Yuanming originally felt that although he didn't even get into high school, it was due to partial subjects, but he still belonged to a knowledgeable and educated youth.

After this trip, I deeply felt my gap. Not only is it knowledge, vision, but more importantly, the dress is very poor. The way of speaking, the ability to express, is so poor. There are so many things that need to be learned and improved!

If "The Meaning and Function of Life Insurance" is to open the hearts of students with emotion, then "Basic Knowledge of Insurance" is to use laws, regulations, rules and regulations, and contract terms to communicate many people's rational understanding of insurance.

With an unfulfilled thirst for knowledge, Yu Yuanming is hungry for learning every day.

Although I also help the family do some things when I get home, I am already thinking about the contents of the insurance company in my heart. Oil, salt, sauce and vinegar, braised cabbage and bean curd, these have no place to take root.

On the third day, I started to learn about the product. There are two main insurances, one with medical insurance and one with accident insurance.

A product is called critical illness insurance, and if you get a critical illness, you will be paid double the compensation. No major illness means waiting until death to pay double to the family. Yu Yuanming looked at that clause and felt that almost all of the ten critical illnesses were dying diseases. I thought to myself, who would like to buy this kind of insurance?

However, the teacher who introduced the product was very powerful, he was tall and strong, with a Chinese face, and his speech was a little slurred, as if he was not a local. Yu Yuanming noticed that he had thick hair, a cleanly shaved beard, and a dark blue suit over his white shirt with a blue striped tie underneath. The pants are also crisp, and the black leather shoes are shiny!

The teacher introduced him as Qi Youpeng, a native of Longcheng, but he lived with his parents in other places for many years. No wonder the accent is weird. Yu Yuanming thought to himself.

Mr. Qi said that the product was very devoted, and when he was excited, he simply took off his suit and talked while drawing on the whiteboard. Treat the trainees as customers.

The second product is called Wynn Both. It is said that it is the first product in the country that returns once every three years, and it turns out that there is a Wanjiale upside down, which is returned every five years, which is very popular, but unfortunately it was discontinued. Now this is even better, once every three years, the sum insured increases by 5% year by year, and the more you return, the more you return.

Mr. Qi also introduced the financial situation at that time, when foundations were blooming everywhere and bank interest rates were constantly changing. Insurance companies face embarrassment in their products: the PBOC can't let you set too high, and customers are worried about depreciation if they set too low. As a result, the company launched this "spread return" whole life insurance. In other words, the booking interest rate of this product is 5%, and if the bank interest rate is higher in the future, the higher part will be returned to the customer.

According to Mr. Qi's explanation, everyone is very interested in this product. They are looking at rates according to their age and gender.

By the way, in many cases, the insurance rate will vary depending on age, gender, and the number of years of payment.