The insurance industry is definitely one of the most profitable industries!

This kind of insurance is definitely only profitable, but if you want to do the insurance industry, you must have a good reputation, a large number of popularity, a huge capital chain, investment projects and so on. Pen "Fun" Pavilion www.biquge.info

Doing insurance is not something that every entrepreneur can do!

Even if you have money, for example, if you set up an insurance company, if no one wants to buy your family's insurance, your company will be in vain. Therefore, many insurance companies are actually linked to banks or supported by the state.

This is also the reason why Shuichi Minamino has never dared to touch it before, and only now does he dare to do this business.

There are many kinds of insurance, the most common is that the business scope includes automobile insurance, life insurance, health insurance, accident insurance and other types of life insurance business. At a deeper level, it is an integrated, close and diversified comprehensive financial service integrating financial services such as finance and insurance, banking, and investment.

Now Shuichi Minamino plans to do car insurance first, because he thinks that he will definitely hit the street if he does other types of insurance now!

But doing car insurance is different, first of all, he now has a large number of car customers, and at the same time, a large number of new customers will be added when new cars are sold. As long as these customers buy car insurance from his Minamino Insurance Company at his 4S store, then they will not have to worry about not having customers.

"Now I will do auto insurance first, and then I will operate life insurance, health insurance, accident insurance and other life insurance businesses after the popularity and reputation of my insurance company improve." Shuichi Minamino had already thought of this plan in his heart.

His Nanno Insurance Company is also tied to Nanno Bank, which will bring a lot of business and capital to the bank.

When you open an insurance company, you will have a lot of deposits after you have more business, and then you will have a lot of money to invest in your company, expand your company or invest in other industries.

He knows very well that the biggest income of insurance companies is investment. Investing the insurance premiums raised by the public is the main item of the insurance company's profit, and the other way to make profits is the insurance money. In the case that the income is greater than the expenditure, the difference in insurance premiums is the company's most direct income.

Of course, there are three main ways for insurance companies to make money! They are: interest rate spread, fee spread, death spread.

1. Interest rate spread, in layman's terms, is the money earned by insurance companies for various investments, investment in large-scale projects, etc., as well as interbank lending, such as a bank needs one billion, individuals do not have it, then you can borrow from other banks and insurance institutions. Wait a minute

2. Fee difference. Generally speaking, it is the money saved by the company in the entire operation, such as the company's budget for this year's operation to be 100 million, and the result is only 80 million, then the cost difference is 20 million.

3. Death difference. If the actual mortality rate is about 1.3%, then 3% may be referred to when formulating the rate, and the extra money is the death difference!

That's where insurance companies come from!

This is also the horror of insurance companies making money.

At present, several consortia in the island countries are doing insurance, and they are doing very well. Shuichi Minamino also wants a piece of the pie now. If he hadn't had a car company as a starting point, it would have been very difficult for him to enter and do this industry.

Now, when the time is right, he can do this.

A month passed quickly.

Starting from this month, all customers who purchase a car at the Nanno Automobile 4S store must purchase the car insurance provided by the Nanno Insurance Company at the store.

There is not much resistance from those customers to this thing. First of all, they don't buy here, and they have to buy car insurance from other insurance companies when they go out.

At present, there are so many items of auto insurance: compulsory traffic insurance, car damage insurance, three-party insurance, vehicle personnel liability insurance, theft insurance, special insurance excluding deductibles, spontaneous combustion loss insurance, glass breakage insurance, scratch insurance and other ten items.

Shuichi Minamino has decided that if a customer buys a car with a loan, he must buy full insurance, that is, all ten items must be purchased. If you buy a car in full, you can choose the key car insurance to buy, and you don't need to buy it all.

Anyway, Shuichi Minamino is now determined by those customers who take out loans to buy cars!

Unless you don't buy Nanye Motors, with the current reputation of Nanno Motors, even if these two things are introduced, many people are still willing to buy.

At the same time, this policy is also beginning to be implemented on the side of US imperialism! If you want to do it, you will do it uniformly, and by the way, you will enter the US imperialist insurance market.

"This time I have a piece of the insurance car insurance, I guess those insurance companies in the island country will be very hot, haha......" Nanno Shuichi said with a cheap smile. But the car is his, and the other party has no choice but to watch himself eat this piece of cake.

On this day, Kase came to a Minamino Automobile 4S shop in Tokyo early, and yes, he came to buy a car today. He wants to buy a crown!

"Mr. Kase, you're here, hurry up and please come in." The sales consultant was very happy to see Kase, this person has been here to see the car for the past few days, and based on his sales experience, he thinks that the other party must be interested in buying a car. Otherwise, I came to see the car for several days to understand the situation.

"After looking at the car for a few days, I decided to buy a high-end crown car today!" Kase didn't bother to talk to the other party, but spoke directly.

"Really? That's great! Don't know whether you choose to buy a car in full or with a loan? The sales consultant asked happily.

"Take out a loan, you can help me calculate how much it costs and the relevant procedures." Kase said.

"Willing to serve you!"

Soon the sales consultant made it clear to him about the cost of a down payment, a processing fee, a loan processing fee and so on.

Finally, the sales consultant said, "Mr. Kase, that's right. At present, our company cooperates with Minamino Insurance Company, which is also part of our group. Therefore, if you buy a car, you must purchase car insurance in our store. This car insurance is still full. ”

"Is that so? Can't I choose to be outside, can I? Kase asked.

"It's all the same, and the price you buy outside is about the same. If you buy it here, we can do it for you all so that you don't have to run back and forth. ”

"So, can I only buy a part of the car insurance and not all of it?"

"No, if you take out a loan to buy a car, you must buy it in full, and if you buy a car in full, you can choose......"

"Okay~"

After some enlightenment, Kase agreed to buy car insurance here.