"The Drifter" 39 - omnipotent

The organizational structure of an insurance company is typical of a pyramid type.

It's not about the field team (agents), it's about the internal management system.

The board of directors at the headquarters is high, and the chairman is of course the first person to hold the authority.

Below are the various professional departments.

If it is a group company, there will be a mother-in-law of the group in each professional subsidiary.

The branches that are scattered all over the country are connected to various departments.

The first was the provincial branch, which began to be named after the provincial capital, such as Lanzhou branch and Fuzhou branch. Later, it was named after the province, autonomous region, and municipality directly under the central government. For example, the Guangxi branch instead of the Nanning branch, and the Sichuan branch instead of the CD branch.

Below the province is the prefecture-level city center branch, below the middle branch is the district and county branch company, and some below there is the township marketing service department.

The personnel are also arranged according to this system, and the branch team is followed by various functional departments. The middle branch is at the same level as the department, the branch company below the middle branch, and the department and the branch company are at the same level.

It's actually complicated to say, but it's easy to understand in one sentence. It is that this system is the same as the model of our country's government system.

What is the position of group training?

He is the deputy of the branch company, responsible for everything such as organization, training, marketing promotion, etc. Of course, everything is under the jurisdiction of the branch manager, which is led by the branch manager, the branch training department, and the marketing department.

The most direct dream of group training is to be the manager of the branch company and the person in charge of the organization.

However, out of 100 group trainings, less than 20% of them were able to stick to the end and become the head of the organization. Most of them were eliminated or left on their own.

When you become the person in charge of the institution, you also have to look at the size of the institution, the small ones want to change to the big ones, and the large fourth-level institutions want to be promoted to the middle branch to take charge of themselves. Or go to a branch office as a department head.

Promoted layer by layer, eliminated layer by layer, how many people's hair has been whitened, and how many people's wrinkles have been deepened. How many people bent down, lowered their heads, and even put their hands on their knees, and took the initiative to take off their pants.

This is a road of no return that is destined to have no end!

It's a road of bones that is so crowded that you have to fall over each other, so cruel that you have no friends, and so fierce that there are few clean bones!

Jia Xingde's ability to stand out must rely on his own ability, which is very controversial. However, in the eyes of the leadership, as long as it can bring premiums and solve the current problems, it is the most direct embodiment of ability.

Because the leader doesn't know how long he can do it. Solve the problem at hand first.

Long-term strategic goals, basic management actions, and integrity construction are important to everyone. Therefore, we still have to shout, what company culture, what strategic goals, what foundation is not firmly shaken, what is the long-term, use sages, and be a century-old store! But what really involves the future of one's own family is one law and two abilities.

One method: it is the leader's view of you. The leaders here are both the leaders of the company and the leaders of the local insurance authority. If you can't afford to offend any of them, the company's leaders can let you go to class, and the leaders of the Insurance Authority can let you get out of class. They are all bodhisattvas who hold the door of life and death! Amitabha!

The two abilities are: being able to level the team and completing tasks.

The team is uneven, arched and warped, how to do things, how to show your ability to control?

If you can't complete the task, you will always be delayed, how to explain? How to reflect your value?

As for how to settle it out, how to get it done, that's another topic.

Jia Xingde succeeded in organizing the training to become the head of the organization, and began the first step of success.

Sometimes you have to believe in fate, and just when Jia Xingde came to Dragon City, Wanjia launched a new product.

And pushing new products is Jia Xingde's forte!

Just like the only time Chinese football has reached the World Cup, it is because this World Cup is held in Asia, South Korea and Japan co-host, reducing two strong competitors. China has hired the right coach again, so there is a trip to the World Cup. Although not a goal has been scored, a goal has not been scored, it is still a breakthrough of zero!

This new product is called Universal Insurance. It is an investment-oriented product with protection function launched by Wanjia after thinking for a long time after being silent for a long time.

Yes, in 2001, marine insurance was pushed, but it had no effect, not to mention, and there was a mistake. There was a mistake when announcing the settlement rate in the newspaper, and it was very bad!

What kind of universal product is launched by Wanjia now?

Universal insurance is actually a common name, which does not mean that insurance products are universal. How can there be a "one-size-fits-all" product?

Universal insurance refers to life insurance products that include insurance protection functions and have a certain asset value in at least one investment account. In addition to providing life protection like traditional life insurance, universal insurance can also allow customers to directly participate in the investment activities of the funds in the investment account established by the insurance company for the policyholder, and link the value of the policy with the performance of the policyholder's investment account funds operated independently by the insurance company.

Because the sum insured can be adjusted, it is also known as variable insurance.

In fact, the payment period can also be flexibly adjusted, and the value in the account can also be flexibly withdrawn. These are the things he is very popular with!

But like Toulian, this is also a relatively complex product, and most salesmen can't understand it. How to sell?

Unlike InvestmentLink, the universal investment account has a guaranteed return, while the InvestmentLink does not. Of course, it is important to note that the guaranteed return on investment is not all the premiums invested, but refers to the net value of the account after deducting the cost of protection and management fees.

At the same time, the deduction of universal insurance is also very transparent, which is conducive to the customer's own choice.

All the costs of a traditional insurance policy are combined and calculated by an actuary based on factors such as age, gender, payment period, payout, sum insured, etc., and then form a rate schedule. Don't say that the customer is not clear, and the salesman is not clear.

As soon as this product was launched, it was met with a cold reception from most people.

Once bitten by a snake for ten years, I was afraid of the well rope.

Turmoil, bad experiences, and even dangers still stay in most people's minds, and even become a nightmare for some people!

But why does the headquarters have to push this omnipotence?

Quite simply, the Chinese insurance industry needs this product.

The product is not only a weapon to attack the market, nor is it just a carrier for agents to exchange income. The product is not only a grasp that reflects the company's value, but in a sense, it is a key point that gathers many elements.

It all starts with the mission of Wanjia!