The headquarters of the People's Insurance is located in the Second Ring Road, a 138-story building, the People's Building, which is magnificent. To this day, some people still say that insurance is a deception in China, but the People's Building is full of people coming and going, some consulting insurance, some handling business, and some applying.

Many insurance company salesmen need to get up early and stay late to find customers, visit customers, three visits, five visits a day, and even ten visits a day, but going out does not necessarily have a harvest.

Insurance sales are different from other industries, other industries sell products that can be seen, the value is geometric, at a glance, insurance is different, the sale is a guarantee, can see only a paper contract, at the same time, insurance this thing, when nothing happens, it is not important to understand, people's short-sightedness lies in this, many are not willing to pay thousands of yuan or even tens of thousands of dollars for things that cannot be seen and touched, many sales practitioners have worn out their mouths, and there are many people with a disdainful face. Even if some people agree, they are still reluctant to pay.

In the final analysis, it is a matter of perception.

5,000 yuan can buy 300,000 yuan of security, but many people think that they are still young and strong, and they don't need to waste this 5,000 yuan, and they have paid for 20 years, which is 100,000 yuan, which is the mentality of ordinary people. It is also a difficulty that insurance salespeople need to overcome.

Long-term people also don't want to spend 5,000 yuan a year to waste on short-term invisible investments, but they know that some money must be spent, no illness, everything is easy to say, but there are two things in life that cannot be avoided, illness and accidents, in case of illness, according to today's medical expenses for serious illnesses are basically more than 300,000 yuan, not including imported drugs and self-financed drugs, the vast majority of families can not get 300,000 yuan in a short period of time. Therefore, a family guarantee is very necessary.

In the same way, insurance is not only about dealing with hospitals, but also about living longer with dignity. For a very simple example, as a man who is the breadwinner of the family, if he suddenly has a major illness, in the case of not being able to borrow money, many people can only choose to sell their houses and cars, and the quality of life will decline instantly, and after the operation, the follow-up rehabilitation costs are still a heavy burden, as a wife, whether he can bear such a family burden is unknown.

Borrowing money, as long as you open your mouth, you are inferior.

The bigger the city, the higher the recognition of insurance, but the third- and fourth-tier cities have the lowest recognition of insurance, especially in rural areas, which leads to the need for easy fundraising, dripping chips, if you need to kneel and beg to the extent that you need to beg, what dignity can you talk about in life?

There are too many tragedies because they can't afford to pay medical bills, so the country has been vigorously advocating insurance in recent years, promoting insurance, social security can only guarantee the minimum medical guarantee, for major diseases and other issues, it is also necessary to rely on commercial insurance, people's insurance has done a good job in promotion, plus the brand is big, there are many people who come to buy insurance every day, many people don't even need insurance personnel to promote, take the initiative to come, however, today's situation is obviously a little different, people come in piles, especially many, today is not a weekend, nor a holiday, how many peopleThe security guard felt a little strange in his heart, but he didn't think much about it and received him warmly.

“…… Sir, you are two years to pay dividends of the product rich and auspicious, now the surrender of the will, can only return the cash value, you will have a lot of losses, you no longer want to think about it, if you are in urgent need of money, you can use the policy as a mortgage, within half a month to lend, the interest will not be too high, and the bank is the same, to solve the urgent need is a very good choice. "The staff was smiling and nice.

"I thought very clearly, I'm going to surrender the policy now. "The man standing in front of him was very young, twenty-five years old at most, with a determined face.

"Sir, can you tell me the reason for your surrender, is it because our service is not good, or do you have something you don't understand or are not satisfied with the product?"

"I can't trust People's Insurance. The man's tone was cold.

"Sir, I believe that you must have a full understanding of our company when you buy our company's products, otherwise, you will not take 200,000 yuan to buy Fugui auspicious, now it is only the past year, I don't know what misunderstanding happened, if it is our company's reason, you can say it, we will try to solve it." The staff got up and poured double the water and put it in front of the man.

"I'm in a hurry, you just say it's a refund or not?" The man didn't even glance at the water in front of him, and he didn't relent in the slightest because of the beautiful staff.

"Since you have thought it through, sir, I will handle the surrender of your insurance now, do you bring your ID card?" The staff looked at the determined eyes and had to give up persuasion.

The layout of the insurance company is different from that of the bank, there is a hall, but the hall is only used for rest and consultation, and the real work is on the second floor, a small room, and each room is an independent office. The main reason is that there are too many contracts, and the explanation is not clear, an insurance contract, less than dozens of pages, more than 100 pages, a lot of professional terms, even insurance salespeople, before taking up the post, they have to go through at least a month of training to roughly understand the terms inside, and if you want to understand it thoroughly, you need to study for a long time. Ordinary people usually buy insurance for a day or even half a day, and the time to explain the terms of insurance is estimated to be less than half an hour.

"I'm here to refund the insurance, who will receive it. ”

"Where is the business of your surrender, I will surrender the insurance. ”

"I'm going to surrender the policy, hurry, hurry. ”

……

The large-scale surrender of insurance soon alarmed the entire staff of the People's Insurance, down to the sales staff, to the supervisors, managers, and even the directors were all alarmed, and they all went out to find out the reason by knocking on the side, but the answer heard back and forth was one sentence: I can't trust the People's Insurance.

More and more people surrendered the insurance, and the internal staff could not cope with it, so they had to rescue the field staff to help, but soon, the field staff was also understaffed, and the staff had to give up the process of inquiry, and directly handle the surrender procedures to improve efficiency.

"What's going on? So many surrenders. ”

"What's going on, isn't the people's insurance very good, I came here after being introduced by a friend, why is it like this?"

"I heard that it seems that there was a case, but the people's insurance did not pay the claim, and many people were worried that the same situation would happen in the future, so they surrendered the insurance. ”

"Ah, if that's the case, you can't buy it. ”

……

Many people who come to consult, or even plan to buy insurance, hear this kind of news and immediately dismiss the idea of buying. Many people took out their mobile phones to take pictures and send them to Moments, how developed the Internet is now, and soon, some media got the news, and reporters appeared in the People's Building.

"Please tell me the reason for your surrender, you must know that the People's Insurance is the largest insurance company in China and the benchmark of the insurance industry, you ......" The reporter doesn't care if you have good influence or not, you can ask if you catch someone.

Not only Beijing, but also Shanghai, Guangzhou, Shandong, Hangzhou, Shenzhen, Zhuhai...... As long as it is the people's insurance outlets, there are large-scale surrender behavior, when the behavior expands to a certain extent, the behavior will become an image, people with a heart soon found that most of the people who came to surrender the insurance are the staff of Qinwang Group, and the level is getting higher and higher, at first it is an ordinary employee, and soon after it becomes a low-level management, intermediate management, and then high-level management.

Qinwang Group has millions of employees, plus the four major industrial parks, the number is close to 600, the number of shareholders and partners, counted, more than 10 million, the employees of Qinwang Group have purchased insurance, partners and shareholding companies according to 30% calculation, there are almost more than 7 million people, choose to surrender on the same day, the sensation can be imagined.

The media heard the wind and moved, for the largest domestic surrender behavior, there was a strong interest, the wave of surrender at eight o'clock in the morning, the news at ten o'clock in the morning was broadcast, the public relations of the people's insurance was powerless to stop the media's persistence, and could only watch the pictures of various surrenders unfolded in front of the national audience, crowds of people, almost broke the door, if this is the purchase of insurance instead of surrender, the people's insurance will definitely laugh, but now, from top to bottom, no one can laugh, many people have a sense of the end is coming。

There is more than one insurance company in China, and people's insurance is likely to become a stepping stone for other insurance companies if it is hit by this.

At two o'clock in the afternoon, the surrender set off a climax of discussion, and the largest surrender policy in history appeared, 800 million fortune and auspiciousness. The policyholder is the general manager of the auction of Qinwang Group, Jiang Ting.

In the news picture, Jiang Ting's appearance was as high-profile as ever, with a luxury car, a bodyguard, a long skirt highlighting her hot figure, wearing sunglasses, appearing like a star, and only said one sentence from beginning to end, two words: surrender. Then she sat quietly, and the rest was done by the secretary, but her appearance was a kind of news in itself, not to mention that the reporter's shocked eyes bulged when he saw the series of zeros on the insurance policy.

"Although it is a wealth management insurance, the cash value is relatively high, but now surrender the insurance, your loss is nearly 100 million, may I ask Miss Jiang Ting, is it worth it?" Although the reporter asked, he did not expect Jiang Ting to answer, this is also the rule of Qinwang Group, not in his position and not in his own politics, Jiang Ting is only responsible for the auction, if it is related to the auction problems, she will answer, other questions, naturally there will be the concentration department of Qinwang Group is responsible, but very unexpectedly, Jiang Ting stopped when she got in the car and left, and said her opinion.

"If you have rotten sores on your body, if you dig it up, you will burn a piece of meat, if you don't dig it, you will die, what will you choose?"

The reporter was stunned and watched Jiang Ting walk away, and he didn't dare to ask any more, comparing people's insurance to rotten sores, and it is estimated that only Jiang Ting, who is open-mouthed, dares to say it.

When the senior management of the People's Insurance saw this scene, they almost smashed the remote control.