After separating from Su Liyong, Yu Yuanming was still ruminating in his brain.

Sales are misleading, why are the current salesmen so undisciplined?

I can't imagine that Zhou Hai's story is so rich! It is simply beyond the imagination of ordinary people!

The salesman in Guanyin District is too bold, why do you dare to operate like this?

The next day, Gao Ziyun called several supervisors to the office. I'll give you something and say it's made up all night.

At first glance, it is a table of numbers, arranged according to the number of years and high, high and low, the vertical column is the number of years, and the horizontal row is the high school, low and cumulative, because the numbers are dense. On the top of the head, there is a dividend calculation table of 10,000 insurance.

Tian Fengying asked most anxiously and directly: What is this?

Gao Ziyun raised his eyes and looked at her: Our participating insurance is not selling well enough. I've been looking for the reason, and I've been talking to the managers of several departments in the city. I found that our thinking is too conservative, and it is conservative thinking that limits our play.

So why has their sales sprung up? There is no other reason than to boldly talk about dividends! Let dividends attract customers to buy, let dividends become the best reason to promote, and let dividends widen the distance between us and other insurance companies!

Zheng Xiaomei asked: How did this data come from, and will it mislead customers?

Gao Ziyun smiled loudly: Sister Xiaomei, you can rest assured! They dare to promise customers a dividend of 800 next year. Let's be conservative and calculate the dividend data according to the high grade. You see, with the development of Wanjia Insurance in recent years, there is absolutely no problem!

So everyone started to calculate this dividend level.

It turned out that he calculated the dividend calculation table by himself, made the high-end of the company's dividend demonstration into a low-grade, and then added the mid-range and high-end according to the 50% increase.

Then everyone argued about why the cumulative interest rate was not calculated correctly, and Gao Ziyun explained that it was because the cumulative interest rate was not calculated.

Because there are three ways for customers to choose from dividends:

1. Accumulated dividends, that is, the customer does not receive them, so that the dividend money is retained in the insurance company. Year after year. Of course, there is interest every year, but this interest is determined according to the bank interest rate at the time. So it's a fluctuating value. ，

2. If the customer does not receive the premium, the bonus money will be used to offset the customer's current premium. Of course, if you arrive, you won't have it. In the second year, it will continue to be offset according to the amount of dividends.

3. Pay off the increased amount. To put it simply, the bonus is used to buy a new sum insured. In this way, the original sum assured of the participating insurance will be larger and larger, which is the opposite of the reduction clause.

If the customer does not choose, the system will default to the first option selected by the customer: Accumulated Bonus.

Then the annual dividends distributed by customers are not collected and put into the account, and the interest will naturally be calculated. Since this is a cash value dividend, then over time, the cash value of the second and third years will increase, and the calculation base of the dividend will become larger and larger. So, the further you go, the more dividends accumulate. Of course, it is still uncertain, because it is also possible that there will be no dividends, or less dividends.

Everyone pondered for a while, and there were some disagreements. Some people feel that this calculation is too high, and they are worried that the company will not be able to meet it, which will cause trouble. Some people think it's okay, but it's all uncertain anyway, it's just a demonstration. Yu Yuanming said that it is necessary to act cautiously.

Gao Ziyun was a little anxious: What do you think? Do you know how the dividends are sold next door (referring to Yang Yujun's department)? Why is people's performance good? You are still innocent and cautious!

If you look carefully, there is a sentence at the bottom: this demonstration is only for understanding and use, and does not represent the actual dividends. Everything is subject to the formal contract.

Yu Yuanming leaned over to look, yes, there is this sentence at the bottom, but it is very small and not easy to see.

In the end, everyone still thinks that it can be used, but it also needs to be cautious. At the morning meeting the next day, we preached how to teach the salesman how to calculate and how to use it.

At the morning meeting the next day, Gao Ziyun personally came on the stage to preach. Each of the business partners has a form, carefully study, calculate. Layer by layer, the benefits of customers are simply too rich!

The morning meeting did not end until 10 o'clock, after which the groups had a rehearsal and discussion. The rest of Yu Yuanming's group is nothing, but Xiong Deping still looks cold, and he puts her little mouth together and says: Blowing fiercely! I don't believe that I can get so much!

Yu Yuanming himself is also a little bottomless: today is to let everyone understand, as for how to explain to customers, it's up to you. Dividends themselves are an uncertain thing and cannot be promised.

Lin Xiaoying also said: Anyway, I said to the customer, if you have it, you will be divided, and if you don't, you will not be divided. Don't expect a lot of points, treat this as an extra surprise, not an essential perk.

At lunchtime, Yu Yuanming received a text message with an unfamiliar number, but the content was inexplicable: What is the great thing about an insurance person? I doubt that you are not a man! You are stingy and lack courage in the face of women.

Yu Yuanming paused for a moment, knowing who it was, and didn't bother to pay attention to her.

Unexpectedly, the text message came again: Are you a farmer! Or is there something wrong with your health?

Yu Yuanming was angry, and after thinking about it, he decided to ignore it.

The other party obviously didn't put it down, and the text message came again after a while: Whether you answer or not, I will judge that you are a physically sick person! You should go to the doctor! Otherwise, even if you get married in the future, your wife will cheat!

Yu Yuanming couldn't help it, and dialed the SMS number directly!

After thinking about it for a few times, the other party answered, and Yu Yuanming was still restrained: Which one are you? Don't send messages again and again, if you have any requirements, say it directly!

The other party is a man, and he keeps apologizing: I'm sorry brother, I made a mistake. I'm sorry, I'm sorry......

Yu Yuanming didn't say anything more and hung up the phone. I still feel a little angry!

You yourself have hurt me repeatedly, and now you are unwilling to break up. Even if you ask me, I won't agree, let alone such a radical method!

And that was the end of the matter.

Later, in June, one day Yu Yuanming was washing his hair when he suddenly received an unfamiliar number. I don't know who took it, and the other party said: Yuanming, I'm Wu Mei.

The tone is very friendly. Yu Yuanming also tried to stay calm: Hello!

Wu Mei said quietly: I'm getting married.

Yu Yuanming still responded calmly: Oh, okay. Bless you!

Wu Mei asked: How are you now?

Yu Yuanming could only perfunctory her: It's okay. Thank you for your concern!

Wu Mei said: Okay, you're busy. I'm just going to tell you. However, in the last few words of the last sentence, it was obvious that he couldn't control his emotions, and he hung up the phone in a crying voice.

Yu Yuanming was silent for a long time, and let out a long breath. The girl who gave him a shoulder massage looked at him curiously, and didn't know where to ask.

The time was pulled to the end of 2012, when Yu Yuanming had already left Longcheng and went to work in Guixi. One night, I suddenly received a call from an unfamiliar number, turned on the newly bought Motorola V70, and heard a man's voice: Yu Yuanming, I am Wu Mei's husband Shi Lei. She stopped with me and said she was coming to you.

When Yu Yuanming heard this, he was blindsided! The man star on the phone was drunk, and he spoke with a big tongue, but his tone was very sad. And not anger.