From the perspective of the operation process, the process of life insurance is that the salesman signs the order, returns it to the front desk, underwrites the preliminary review, and then enters it into the system. The headquarters approves the contract, issues the contract, and issues the contract. The customer signs back the receipt, which is a complete process.

Then the second year, it's a matter of the renewal department. There may also be preservation and claims interspersed in the middle.

Let's not talk about claims.

First of all, preservation, preservation is a service carried out by customers after the policy is issued because the information needs to be changed, and the payment method needs to be adjusted. For example, if the city is demolished, the address and telephone number need to be changed again. Later so that there will be no omission and negligence. For example, if the policyholder or beneficiary is to be changed due to divorce, or if the customer feels that it needs to be changed, it must also be preserved. There are also those who need to add additional insurance, such as thinking that medical insurance is not important, but as a result, someone around you is hospitalized, so you want to add medical insurance. I thought that accident insurance was not important, but when I saw someone around me who was in danger, I wanted to add an accident insurance. There are also those who cancel the additional insurance, and feel that they are just paying the money, but they have not paid it once, and they have paid it in vain. Of course, it would be tragic if there was an accident after the cancellation.

There are also changes to the payment period, which is generally extended. There are also changes in the way of dividends, which can be changed at will within a year, such as paying premiums, cash cumulative dividends and paying off the increase. There is also a reduction payment, which is a lump sum insured purchase based on the existing cash value, and no premiums will be paid later. In the future, the insurance liability will be cashed out with the amount of insurance after purchase.

In the whole after-sales service, most of the work is done by the premium department and the on-the-job salesman. Everyone has common interests and assessments, so there is a tacit understanding.

The trouble is the resignation salesman, who has little cooperation. Some phone numbers are not available at all. What to do?

As a result, a Taiwanese brought the advanced practices from Taiwan to the mainland, which was called regional extension services.

The so-called district extension service is to recruit a group of teams isolated from the marketing system to serve orphan customers, and it becomes easy to add insurance or refer to sign orders through after-sales service.

Regional expansion, around the community or a specific area to carry out services, through sincere and meticulous service to expand customers, the effect is good.

Of course, their basic law is completely different from the basic law of marketing, and the management model and even the title of rank adopted are all Japanese.

Why Japanese-style?

Because Japan has been operating in Taiwan for 50 years, of course, you can say that it is okay to rule or invade. In short, the Japanese way of working has a profound impact on Taiwan.

Then this kind of regional expansion method is more suitable for old institutions that have three or five years later, and there are enough customers to precipitate and there are many orphan lists.

On the other hand, there are a lot of salesmen who fall off.

Qi Youpeng went to Outuo, but found that the same good things were not good in Dragon City.

Of course, it's not just that Dragon City can't do well, but also other institutions that participate in the training with him. But the main urban area of Chongqing is doing very well. Later, the operation of the main urban area of Chongqing became a benchmark in the whole country! At one time, it grew to more than 4,000 people, which exceeded the total number of many insurance companies that followed, and the per capita production capacity was greatly exceeded.

After several tosses, he left Wanjia Insurance.

Where he went became a mystery. No one knows, and not many people seem to care. Everyone continues to do their own business, and there are too many people coming and going. There are too many that used to be thriving, but then slowly withered.

That's why there is that emotion: If you do well for a while, you won't be applauded, but if you do well all the time, you will be applauded.

Yu Yuanming's own summary is: good performance is not good, team development is not good, while doing a good job, it is really good if you don't do anything wrong!

Regarding Xia Ruoxi's direct sales, Yu Yuanming thinks so.

Whether it is direct selling or MLM, it is a sales model developed through interpersonal networking. Same as the model of life insurance marketing.

There are two differences: life insurance marketing sells financial products, which are intangible, tasteless and shapeless, and the pricing needs to be reviewed by the national financial regulatory authorities. However, the products of the direct selling company are physical goods, which belong to general civilian products.

Second, insurance requires certification, and there is no need to pay money to buy products as a condition for entering the company. Direct selling is not limited to the number of people, but it requires more or less threshold fees as a condition for entering the company.

Of course, Zhimei Company has a direct sales license, but there is a problem that the city approved by this license is not the whole country, but only a part of the region. In other words, it faces the legal risks of cross-regional development.

And the insurance company, not to mention the business area, is to change the office, which is very strict. It requires the approval of a series of state agencies such as the Insurance Regulatory Bureau, the Industrial and Commercial Bureau, the Taxation Bureau, and the Fire Brigade.

After thinking about it again, I gave up.

The reason is that this kind of legal risk or gray area, no one investigates, and there is no problem. Once someone reports it or the regulatory authorities investigate it, no one will pay for all your problems.

But not long after returning to Guixi, Yu Yuanming received a call from Xia Ruoxi again, and it turned out that she also came to Guixi.

This time, she was preparing to hire an in-house staff at another company.

This company is called Shenzhou Life!

The relationship between Shenzhou Life Insurance and Wanjia Insurance can be said to be a dispute between Yuliang.

Shenzhou has long regarded itself as a big brother, and Wan Jia has frequently made different voices as challengers. At the bottom level, it is normal for salesmen to attack each other.

Once, Zhang Changbing met a salesman from Shenzhou, and the salesman from Shenzhou was arrogant: You don't even have an advertisement! You don't have the strength at all! What can you compete with us?

Zhang Changbing said evilly: We really don't have the strength, so we can only advertise on CCTV, how can we be like you, there are advertisements in the gutter!

The other party was speechless for a while, and the two sides broke up unhappily.

In fact, Zhang Changbing is exaggerating, where are people advertising in the gutter.

Is that a gutter good?

However, even if it is a drainage ditch, what do you brush on the ditch wall with lime: state insurance, Shenzhou security. It always makes people feel nondescript!

In Dragon City, Wanjia has surpassed Shenzhou. In Guixi, however, Shenzhou's share is still the first. Although there are a lot of township mud poles in the business team, the trousers are high and low when they are in a meeting. However, the influence and premium income in the township still have to overwhelm the family.

The person in charge of this Guixi Shenzhou organization needed to find a capable leader, so he wanted to recruit a group for training. Xia Ruoxi didn't know what the relationship was, so she came to Guixi to prepare to apply.

That night, a few friends made an appointment to have dinner together. The next day, we made an appointment to talk together.

After a night of nothing, Yu Yuanming put on his shirt and tie early the next morning, and went to knock on Xia Ruoxi's door.