In 2000, Wanjia Insurance launched an advertisement that swept the country. It is said that this advertising plan cost 10 million.

It's funny. It is said that the leaders of the headquarters came up with an advertising slogan: Wanjia Insurance. Then I can't think of the second half of the sentence, many people have provided a lot of solutions, but they are not satisfactory. Later, I could only find a top international marketing planning company, and the other party collected 10 million yuan and provided eight words: 10,000 insurance, 10,000 insurance!

Exquisite, stunning!

That's what this plan is worth 10 million!

You can imagine the mood of the people at the headquarters when they saw this plan!

Everyone's confidence in the company skyrocketed, and although they didn't understand the internal original shares issued by the company, many people still bought them. At that time, there was also a provision that only formal ranks and supervisors who had been employed for one year were eligible.

However, after paying the money, the receipt given was not a stock subscription certificate or equity registration certificate of Wanjia Insurance. It's a joint stock fund receipt called Newmar.

Out of absolute trust in the company, everyone didn't ask too much and think too much.

Later, after a few months, I got a joint stock fund certificate of Newmar Company. What does this Newmar company do?

Yu Yuanming asked Lei Wenjie, and Lei Wenjie smiled mysteriously: all the company's insurance proposals, documents, and contracts belong to his business. This is a specially established company, and the chairman is the vice president of Wanjia Company. But do you know what this vice president is all about?

Yu Yuanming asked curiously, what is the origin?

Lei Wenjie said: It is the original secretary of the chairman of Wanjia. He now serves as the general manager of Wanjia Securities and the chairman of the Newmar company.

Yu Yuanming still didn't fully understand, went back and took out the thin joint stock fund certificate, and carefully looked at the signature in the lower right corner: Qi Xiuli. After researching for a long time, I remembered whether I had seen this person's name or photo in the company newspaper, and to be honest, I couldn't remember.

At that time, the whole company advocated the maximization of value, and newspapers and magazines were all based on this theme. The headquarters dug up two Americans, both of whom were high-end talents. One is Lincoln National Financial Group, which is responsible for strategic investments. It is said that it took a lot of effort to dig him up. The chairman of Wanjia went to Shanghai to accompany not only himself, but also his wife to accompany the other party's wife. In order to take care of each other's tastes, the dishes and drinks are painstakingly distributed. And the first report that this foreigner named Christopher gave when he came to Wanjia was called "Profit is the Key". Before this, Wanjia did a lot of business like other companies, but which businesses made money, which businesses did not make money, which ones were high-profit, and which ones were low-profit, they did not carefully analyze and carefully sort out the strategy to adjust their strategies. It's all pushing in a daze, following the feeling. Even when the suspension clause was made in June 1999, the company sold many insurance policies, but as a result, it incurred a spread loss of up to 10 billion yuan. This is very scary, and it can only be gradually digested by future operations. In contrast, of course. Due to the timely application of the brakes, Wanjia's losses were less. Shenzhou is more, up to 35 billion spread losses. This is a time bomb that cannot be ruled out and will have a huge impact on the company in the future.

As soon as Christopher's report was made, everyone suddenly realized!

It turns out that insurance doesn't do that. It's not that the more premiums, the better! Salesmen, institutions, and headquarters have different positions, and the appeal points are also different. How can you get the salesman to take the ditch to it?

The chairman of Wanjia also thinks it's worth it. Bluntly: The value that this talent brings to the company can make the company pay him a salary for hundreds of years!

So a series of actions were taken:

1. For customers underwritten in June 1999 and before the request to surrender the policy, they will not be retained, and they will be refunded if they can. But have a good attitude!

2. The renewal staff called the customers before 1999 one by one to persuade the customers to replace the products. As long as you want, there are also gifts. Words are exclusive benefits for old customers.

In fact, it is to replace the original high-interest rate policy with the current low-interest rate policy, but the payment is advanced. Give customers the feeling that they are alive to receive cash, and they want to get some money. In fact, it was a big loss.

3. Significant adjustments to existing products and insurance rules. Try to sell those with high profits and less, sell those with low profits, and don't sell at a loss. Improve overall underwriting margins.

4. Optimize the structure of the product to each branch. For products with high profits, the commission and conversion ratio will be increased, and the commission and discount will be reduced for those with low profits.

Another high-ranking talent is also an American, and this guy is called Carter. And the name of US President Jimmy Carter, of course, has nothing to do with it. What does he do?

He brought a whole new channel - bancassurance.

It turns out that China's life insurance industry is individual insurance and group insurance, and there is no concept of bancassurance. Now it's okay, there is one more channel.

Banks are the most trusted channel in the entire financial system, with the widest range of outlets and the largest number of contacts.

Moreover, the bank itself is an institution that holds information on the amount of deposits made by customers. This is a significant advantage!

If the insurance product is sold through the bank channel, it can indeed increase a lot of sales. However, because the bank teller itself is very busy and each customer does not have much time to handle business, the products sold by this channel cannot be complicated, nor can they have a long period of time like individual insurance.

After a period of preparation, training, and layer by layer construction, Longcheng also has a banking and insurance department. But there are very few people, just a female saleswoman.

This woman is tall, with shawl hair, and her skin is a little dark, but it is still shiny. The smile is quite kind, with some shadows of Xu Jinglei. Since it is not a channel, there is basically no dealing, but there is a person who pulls the strings, so that Yu Yuanming and her have some intersection.

This person is because Wang Yuqing went to Guixi, and the company needed to supplement the training manpower and added the reserve group training - Yu Yongchun.

Yu Yongchun is a full-time undergraduate student, nearly 1.8 meters tall, with fair skin, wearing a pair of gold-wire glasses, and looks very knowledgeable.

He was originally a worker at the Longcheng Chemical Factory, but because the company was in a recession and had not yet been laid off, he was put on leave without pay.

It was also difficult for college students at that time, saying that it was a job assignment, but the iron rice bowl that I thought was broken was broken. What do you do?

You'll have to figure it out for yourself.

Some college students can't think about it and can't wipe away their feelings. I feel embarrassed to come out to find a job, and I feel that college students have studied for a few years, but they have lost their jobs and lost their jobs. Some go to other places, or work part-time, so as not to lose face in front of acquaintances. The most extreme was a college student, who was said to have been laid off from a ferroalloy factory, and had no money to steal fodder to eat.

When Yu Yuanming heard the news, he thought: What is taught in universities now? Isn't there no frustration education except knowledge?

Can a living person suffocate urine? Even if you dig mud on the construction site or shine shoes on the street, you can live!

Of course, Yu Yongchun is not such a college student, he also studied in the countryside. Assigned to the Longcheng Chemical Plant, because he wanted the last welfare room, he married a colleague who he thought was good at the time but lacked understanding.

Soon after getting married, the two had a conflict. For the sake of the house, I still endure not to divorce. But the relationship is so unsatisfactory. At this time, a new underwriter from Wanjia Insurance knew about the company's recruitment and reserve training, so he introduced him because they were brothers-in-law.