In 1999, China's financial markets were in turmoil.

The foundation had just been completely shut down in March, and the interest on bank deposits was the same for a while. At its peak, it seemed to reach about 11%, and later it was adjusted to 8%. After the rectification, the foundation is gone, and the interest from the bank also makes the residents feel uneasy. As a result, the bank has made some hedging savings, and the return of interest rate differentials from insurance companies is a reason.

However, the central government had already made up its mind to rectify it to the end, and the ******** at that time were notoriously ruthless in their iron-blooded hands and decisions to kill. So in June, the insurance industry also threw a boulder, and the ripples that stirred up the water have not completely stopped until now.

I remember that it was the beginning of June, and the company suddenly notified that all products were about to be discontinued because of the interest rate adjustment. There are only a few days left, and the products that will be released in the future will definitely be more expensive! But we don't know what the products will be like in the future.

In addition to the death benefit and expenses, the most important thing in the rate design of life insurance is the predetermined interest rate. The predetermined interest rate determines the amount of premium, the amount refunded or the sum insured paid. Generally speaking, the higher the predetermined interest rate, the lower the premium for the same sum assured and return terms. Conversely, the lower the predetermined interest rate, the higher the premium. Prior to June 1999, the pre-policy pre-interest rate was 5%. In fact, it was higher before, and it was lowered along with the decline in bank interest rates in the same period.

Yu Yuanming realized that this was a good opportunity for sales, so he began to promote it to customers on a large scale.

All of a sudden, the salesmen of various companies went crazy, telling customers that insurance products were about to be discontinued.

At this time, you will understand why many people call people who do insurance run insurance.

And, weirdly.

When those products are advertised and sold, they also feel good. But sometimes people will feel that these products are a little flawed, either because the return is too slow, or the conditions for compensation are too harsh or the customer says it is too expensive. All in all, the product is like a spouse, good is good, but I don't feel anything. Suddenly, it was announced that the sale would be discontinued, and everyone suddenly found that these products were all good!

Every product was taken out by everyone to promote, and every salesman was busy at this time.

After running for two days, Yu Yuanming was still a little unsure. Thinking about it that night, he felt that he should still buy himself two insurances. So I called my younger brother to drive a Chang'an car to the company.

As soon as I entered the door of the company, it was more than nine o'clock, and the company was still brightly lit and full of people. Many people kept filling out forms, calling to confirm the customer's information, calling to notify the customer, and repeatedly explaining the information about the suspension of sales. Anyone who comes to the company at this time will be infected and affected by that atmosphere.

Yu Yuanming himself insured himself with a critical illness insurance and a whole life insurance. After finishing the process, he went home satisfied. It's like a big thing has been done.

Afterwards, Yu Yuanming knew how much impact the suspension had on China's insurance industry.

The first is the transition from high to low interest rates.

The second is the transformation from a single traditional insurance product to a complex and diversified insurance product.

Third, it has left a spread loss of about 50 billion yuan for China's insurance industry. Wanjia Insurance also has a burden of more than 10 billion yuan, which has also brought a far-reaching impact on the follow-up operation.

At the same time, this suspension of sales also brought twice the performance of the Longcheng office than usual. There were not enough people to record orders, especially hiring a typist in a typing shop outside, Yu Yuanming didn't know that a few years later, this typist he didn't know at the time actually became his girlfriend. When she talked about going to Wanjia Insurance in June 99 to record a policy, Yu Yuanming couldn't remember it. The policy suddenly skyrocketed, and it was too busy, so Wanjia Insurance found another temporary worker to help. All of a sudden, the insurance application was out of stock, and some salesmen actually used copies to handle it for customers. In a hurry, there were a lot of signatures.

According to the regulations of the state and the company, both the policyholder and the insured should sign in person. If the insured person is a minor, the guardian should sign on his behalf. This is a normal, legal and compliant practice. However, in the actual business, many times this regulation is not followed. Sometimes one of the policyholder and the insured is not there, and in order to save trouble, the one who is there directly signs on behalf of him. Sometimes the policyholder wants to vote and the insured does not agree. In order to handle it as soon as possible, the policyholder was also asked to sign on behalf of the policyholder. It's better if it's a family member who signs on behalf of them, but some marketers are bold and sign directly on their behalf. Strictly speaking, this is an invalid contract, and if it is pulled up, it will lead to a large number of lawsuits. Therefore, in 2000, the company carried out self-examination and self-correction, requiring all marketers to re-sign the customers who signed on their behalf. It's not that simple. Many salesmen have left, customers have changed their addresses or phone numbers, and some customers are reluctant to renew their payments, and you have to tell him that if he does not correct the contract, the contract will be invalid, and he asks for a full surrender?

The product discontinuation war in June is over, and everyone has no idea what to do next.

The company requires each partner to sell an accident insurance, and those who do not sell accident insurance must be demoted by department managers and supervisors.

Because accident insurance is a premium designed according to the degree of danger of the occupation and has nothing to do with the interest rate, it can continue to be sold. And there are no other products to sell, so I can only sell this product for more than 100 yuan.

Of course, since customer resources have been almost consumed recently, the company also hopes that everyone will go out and continue to walk in the market to accumulate some new customers.

The premium doesn't matter, the status does.

You can't let the marketer forget his job in the muddy. In order to supervise the implementation of this matter, the marketing department of the branch also arranged a supervisor to come to Longcheng for special supervision.

This supervisor opened Yu Yuanming's eyes, his name is Du Hui.

He is tall, wears a pair of glasses very gentle, and wears a long-sleeved shirt with a delicate tie, which is very personable. In addition to telling everyone at the morning meeting that accident insurance must be billed, he also dangled around the company and did nothing.

It happened to be summer, and the company organized a trip to the Three Gorges. According to the results in June, some of them are free of charge, and some are half of them. Yu Yuanming's performance was not very good, and he participated in half a fee, but he was also very happy. Because this is the first group tour, it is still half a fee. That's nice!

Take a boat from Longcheng, go down the river, live a long life, the boat is moored in Fuling to get off and drop off passengers, Yu Yuanming overlooks Fuling City at night on the side of the ship, but see this city known as a small mountain city swaying at night, the lights of the city are dotted, and it adds a lot of mystery. Moored for a while, the steamer continued to depart. Yu Yuanming, Zhou Hai, and Qi Youpeng are in a room. This is also the first time Yu Yuanming has seen Zhou Hai wearing casual clothes, which is really rare.

Out of boredom, he wanders around. also ate the lychee given by Xia Ruoxi. Later, when he was bored, a few people made an appointment to play cards, and he went to participate.

I went to know that the other group of people were playing gold flowers in a large room. No wonder most of the men are gone.

The few remaining bored ones make an appointment to play board guns, which is a kind of poker played by four people. Yu Yuanming, He Jiyu, Du Hui, and Qi Youpeng found a stool together and started playing.

Before you know it, this time has passed.

To say that Yu Yuanming is indeed not a normal person in society, he doesn't smoke, drink, or play cards, and he hasn't talked about a girlfriend at the age of twenty-five or sixteen. It is a bit abnormal that such a person can still do business.

Later, in order to contact some customers, Yu Yuanming learned to play board guns. The playing method of this poker card is also simple, that is, four people catch each other and fight, but it is just an assassination. It is necessary to determine whether the opponent is a friend or foe based on the cards played, and whichever side finishes the cards first wins. Yu Yuanming is not stupid, he is not willing to learn to play mahjong, that is, he is unwilling to learn, not that he can't learn.

I still remember that at the door of the yellow glass façade, there are often a few people who make an appointment to play cards. That is, a small table, and four small benches are opened. The people who play cards are nothing more than the surrounding residents, the people who do small business. The jackpot is also very small, only a dollar. If it's a leopard, it's only three dollars. In order to get acquainted with them, Yu Yuanming sometimes gets together as a team. After a few times, this card playing routine is also familiar.

Once, because a person playing cards spoke wildly, Yu Yuanming taught the other party a lesson.

Someone asked Yu Yuanming what he was doing, and he replied that he was doing insurance. A woman driving a tricycle next to her was disdainful: "What does insurance do? Yu Yuanming turned his head and asked: Then what do you say about insurance? The tricycle driver said: Insurance is a return every three years! It's not interesting! Yu Yuanming got angry: Then what do you say is the principle of proximate cause? What is the right of subrogation? Tricycle driver: How do I know? Yu Yuanming: Insurance is an encyclopedic industry, and I have been doing it for several months before I reach the door, and I dare not say that I understand. You know that once every three years, it's just a product form. If you understand it all, aren't we eating rice?