Drifter (121) - Self-Insurance
After breaking up with Jiang Er and Fat Intestine, Yu Yuanming walked to the hotel alone.
It turned out that I had lived here for half a year, and I was still more familiar, and I arrived at a single building with a family hotel on the second floor.
When I entered the door, it was quite warm, and a middle-aged man with glasses was surfing the Internet in a corner. The hostess warmly greeted Yu Yuanming to take a look and then decide.
In fact, it is also simple, this is a four-bedroom and two-hall house remodeled, and the rooms separated are relatively small, and there are no windows. It's just clean, there's a small window facing the hallway, which is also breathable!
Mainly cheap, 15 yuan a night.
The one with a window is a little more expensive, 20 yuan a night. After thinking about it, Yu Yuanming still chose 15 yuan.
So I paid the money to move in.
Nothing was said all night.
The next day, Yu Yuanming went to the supermarket to buy those cleaning supplies and cleaned them in the office alone. In the afternoon, Jiang Er came, and the two discussed it again. So I started calling several people, most of them refused, and only one person responded with surprise and gratitude. In her excited tone, Yu Yuanming was as excited as a victim floating in the vast sea, seeing the tip of the mast in the distance.
Yes, this person must be someone who has feelings for Sihai Life, and it is also the first fire that can be rekindled.
On the third day, I met the former salesman who was abandoned in the corner waiting for rescue. The two are like comrades-in-arms who have been reunited after a long absence, with light in each other's eyes.
Yu Yuanming remembered at this moment the days when Chen Yi fought guerrillas in the mountains, and after the Long March of the Central Red Army, he wrote "Three Chapters of Meiling".
It's hard!
The chubby, unattractive middle-aged woman in front of her still told herself about the past with sighs, lamenting the pity of the whole team, lamenting that she was sorry for the customer, and she couldn't convince herself for a long time.
Yu Yuanming listened quietly, nodding from time to time, fully showing his understanding and respect for her.
Then he told her that he came this time to regain people's hearts, continue to develop the team, serve customers, and pick up the reputation of Sihai Life in the local area.
The two of them were talking and talking, already looking forward to a better tomorrow.
This trip to Guixi is still very rewarding.
Yu Yuanming thought.
Back in Dragon City, Yu Yuanming gave feedback to Qi Youpeng about the situation. Qi Youpeng was also more happy, and immediately said that next time he would bring some posters, product color pages or something. At the same time, the branch has been reported on this matter, and strive to obtain some expenses as the cost of doing business in Guixi.
Several partners in Longcheng do business very well, and the business atmosphere of the entire Longcheng Sihai Life Insurance is not strong. Usually there are only a dozen people in the morning meeting, but when the weather is too hot, too cold, or rainy, there are fewer people. Every Friday morning, the meeting will be a little better, and the township employees are here, and the thirty or so are already very good.
Township employees generally have a list to pay when they come to the meeting, and they calculate the accounts well, and they pay for the travel expenses and meals themselves, and if there is no insurance policy to pay or things to do, they can't come. There's a lot of work at home!
Generally, those who can come out of the town to do insurance are still different from ordinary farmers in the local area. Culture, expression skills, personality, and popularity must be a little stronger in all aspects. Then they will never just do farm work in the fields. Either do business in the town, open a restaurant, open a shop, or so on. Either village cadres, village party secretaries, village heads, accountants, women's directors, militia company commanders, and so on. There is also a teacher at the school, who works part-time as an insurance person. There are even deputy mayors who do it part-time.
So, it seems that they are very idle, but they are actually quite busy.
In this era, working hard to earn money and doing everything possible to earn money is the mainstream! How many modern Chinese can be willing to be poor?
Qi Youpeng is still like that, as soon as there are many salesmen, he is busy. For a while, fill in the insurance policy for the salesman, talk about the product to the salesman for a while, and hold the child for the salesman for a while. Yes, that's right, there was a salesman who came to the meeting with a child. After the meeting, she needed to do something, so she threw the child to Qi Youpeng.
Seeing such a scene, Yu Yuanming shook his head.
Yang Fangning was idle, and the salesman Lala was homely, and several women were chattering and gossiping together, when suddenly the voice was quiet, and suddenly a terrifying collective laughter broke out, so that the people who were not involved outside did not know why.
There has been no bill for two consecutive months, and according to the company's assessment, it can't be zero, so Yu Yuanming bought an insurance for his son, a symbolic 300 yuan.
Many people don't understand the assessment of the insurance company, and think that you signed an agency contract anyway, and if you don't take the assessment, won't it make more people stay in the company?
Maybe someone who hasn't opened an order for a long time will suddenly open a bill? Maybe it's still a big order, and the company won't make money?
Yu Yuanming knew that this truth seemed reasonable, but it was actually boring.
The first is because of human nature. Human nature is inert, and few have the initiative to be active in difficult or things that require effort to do. Unless you're attractive enough. For example, benefits or threats.
Marx said that as long as the profit exceeds 300%, there are people who kill people and set fires.
But if your commission is high enough, the basic salary, the in-kind or travel program rewards can't wake up the people who can't motivate the premium, what do you think are the chances of suddenly opening a bill or suddenly opening a big bill?
The agency contract he signed seemed to have no cost. But there are two costs that must be considered:
1. Renewal interests: If he remains in the company, he must be allocated to the renewal interests, and if the assessment is lost, the renewal interests will belong to the company.
2. The cost of performance promotion caused by the lack of team crisis. If you don't assess, everyone will not have a crisis, and they can only be attracted by rewards, and the company has one less push point. The cost of driving performance is definitely high.
Moreover, under pressure, people will settle accounts and figure out their own methods.
That's how the self-insurance pieces came out.
Self-insurance is the insurance that the salesman buys for himself or his family.
Of course, as a person, working for an insurance company, you have a dual identity and also need insurance.
However, the driving force for self-purchase generally does not come from a genuine understanding of the benefits of insurance, and an urgent need to provide adequate protection for yourself or your family. Rather, there are various realistic short-term considerations.
For example: the basic salary, the need to bill, the need for daily assessment, the team assessment, and the need to achieve a certain reward or program.
In short, external factors become the majority of the power source for self-insurance.
There are still people who really agree with insurance and are eager to buy it, but there are relatively few people overall.
Captive insurance is actually a strategy for insurance companies.
You come to the training, you do insurance for a long or short period of time, no matter what, first, you establish the concept of insurance, the initial understanding of insurance. Secondly, you become a client of the company, albeit as an agent.
Then even if you leave the company in the future, you still become a customer of the company.
Therefore, the company is more encouraged from top to bottom for self-insurance parts.
Of course, this is also the place that has caused controversy in public opinion, which is similar to pyramid schemes.
Not really anything like that, of course. MLM is that you must first become a customer to qualify for sales, insurance is not, it just encourages you to buy it. One is that there is a real need, and the agent does not get God's immunity just because he is engaged in insurance. The second is to encourage buying, not to force.
It's a world of difference!