Beauty, what’s your relationship with Lao Wang? He’s never brought a date before.
I followed General Manager Wang into the private room. A room full of noisy middle-aged men suddenly quieted down at the same time and looked up and down. It was not difficult to see from their eyes that although I was plain, there were countless possibilities in their minds.
Without waiting for General Manager Wang to clarify, I answered first: “Legal relationship!”! But we are closer to each other than either of you is to him.
The other side showed a disdainful expression, which played into my hands, and then took the opportunity to explain: “If General Manager Wang is sick, I can immediately give him 2 million treatment, can you?”? In case of an accident, I can give 5 million to his family right away. Can you? General
Manager Wang is open-minded, and I knew he wouldn’t mind me citing “bad luck” as an example. Sure enough, he laughed. Expressions of shock, doubt, envy and sudden enlightenment appeared on the faces of different listeners, and I knew that new orders were on the way.
I am an insurance agent, commonly known as selling insurance. Only I know that the front of each policy is the peace of mind I promise customers, and the back is their unknown secrets.
Brainwashing Routine
At 3 P. m., I was waiting in a cafe outside the senior villa area on time. At this time, the hostess in the villa had just finished her beauty sleep. According to expert research, this time is also the time when people are most easily moved.
I have to limit the length of the meeting to about half an hour, not to disturb the other party with the nanny to pick up the children from school, to play a good mother, but also to leave enough time for me to meet the next client. Fortunately, today’s task is relatively simple, to conclude the contract. Before
that, I had met with this customer four times, and each time, according to her needs, I constantly infiltrated the insurance plan I made for her family, so that she accepted me and the products I recommended.
In insurance circles, ideas are as important as relationships.
Many people like to call this process brainwashing, and I am noncommittal.
However, after the meeting, she suddenly changed her tune, constantly criticizing and denying the insurance policy that had been negotiated before, with only one subtext behind it-not to sign.
Sunglasses can hide her evasive eyes, but they can’t completely hide the bruises around her eyes. “My husband said he was safe when he went out and didn’t need to buy anything, so he told me not to bother.”
I suddenly understood that the insurance plan I had made for her included accident insurance, and the other party must have thought that the “intention” was not good, and perhaps thought that it was cursing him and retaliating with a punch and kick.
Alas, a woman in marriage has no right to speak without money. No matter how glamorous a full-time wife looks, she is just a caged bird.
Looking at her, I suddenly remembered myself a few years ago.
I used to be an employee of a foreign company. At that time, I was in the prime of my career, and the sudden arrival of a child disrupted all my plans. My husband, who has made some achievements in entrepreneurship, advised me to resign. He said that the key growth period of children should not be missed, and he would be a safe haven for our mother and son.
I believe it.
Until the child was diagnosed with leukemia, a huge amount of medical bills were spread out in front of us, but the person who promised to take care of us for a lifetime left without looking back.
As a mother, I can’t be as cruel as he is. I sold the house that was given to me in the divorce for the child’s life. But the transplant is only the beginning, and the cost of medicine, which is several thousand yuan a month, will last for several years. I had to go back to work
for the sake of my children, but the industry was moving so fast that I, a housewife who had stayed at home for several years, had been rejected by my past career. The basic salary of sales is too low, and I have to work hard to get a high commission, but in this way, I can’t take care of my children.
The world is so unfair to women. After struggling for more than a year, I felt that I had fallen into depression and anxiety and could not extricate myself. Seeing less and less savings, I saw a piece of social news on the short video website: a male college student who grew up in a single-parent family committed suicide when he graduated from college. His mother was in great pain, but was surprised to find that the child had bought 2 million life insurance. After his death, a large amount of premium was left to his mother who was struggling to pull him up.
No one is foolish enough to exchange his life for money. But this piece of news seemed to give me a “good prescription” for my “urgent illness.” I couldn’t help but think, “No matter how bad it is, I can still leave some money for my children.”.
I decided to buy an insurance for myself, and specially chose a big insurance company with strict entry and lenient exit. On the day I waited to meet the insurance agent, I was so nervous that he would see my intentions. But when I saw him, I was so surprised that I almost forgot my original purpose.
The insurance agent turned out to be my son’s attending doctor, Dr. Zhang!
Haoxuan mother! When I saw the client’s materials, I hesitated for a moment, but I didn’t think it was really you.
“Dr. Chang, why did you suddenly change careers?” I was very surprised, because when the child saw a doctor, I specifically inquired that Dr. Zhang was one of the best doctors in the industry and had a bright future. Only after
careful inquiry did I know that Dr. Zhang was diagnosed with lung cancer half a year ago. Fortunately, he was found early. Although it is not a big problem now, his physical condition is not as good as before, and he can no longer be competent for the position of a doctor with great work intensity.
The hospital has treated me well, allowing me to go only to the outpatient clinic, but my income is much lower than before. At my age, there are old and young, and I have a mortgage and a car loan to pay off, so I have to find a way out for my family as well as for myself. Dr. Zhang smiled bitterly.
“Then you don’t have to sell insurance.” Before I had finished speaking, I realized that I had made a slip of the tongue and quickly shut up.
I know that society still looks down on those who sell insurance. But this is all an old idea. This job can give me a relatively high income, and the time is relatively free, and the intensity is not high, which is suitable for my current physical condition. “Dr. Chang is very proud.” I am willing to be looked down upon by others. ” High
income, free time, these two key words let me immediately move.
That day’s conversation, I suddenly changed from the intention to increase the number of people, I admit that I was brainwashed.
A week later, I was hired and officially became an insurance agent. When I
entered the industry, I knew that the work of insurance agents was not as good as I had imagined. Complicated professional knowledge learning is the second, I am thin-skinned, the most unbearable is the questioning eyes of family and friends.
Chen Ran, with such a high degree, you don’t have to do this kind of work, do you? Be careful not to be a pyramid selling organization. You can’t earn a penny, but you still put money from your relatives and friends into it.
My first client was my best friend for many years. She was beautiful and married well. I thought to myself, it doesn’t matter whether I succeed or not, just practice my hands and let her give me some advice. But as soon as she heard about my entry, she obviously stepped back and blocked the CHANEL bag she had just bought behind her.
I hastened to explain: “I had inspected this insurance company before I joined the company. This insurance company is a well-known one in the industry and is very reliable. The requirement of the China Banking and Insurance Regulatory Commission for the solvency adequacy ratio of insurance companies is 150%. This company is..”
“All right, all right, don’t say anything. I won’t buy it anyway. If you sell it again, we won’t even be friends anymore.”
“It doesn’t matter, everyone’s insurance idea is not the same, I am also Haoxuan after sick to realize the importance of insurance, if before he bought a serious illness insurance, also won’t..”
Don’t always talk about illness and death. What bad luck! I had an appointment with someone behind me, so I left first. Then Sisi ran away hurriedly, as if I would cheat her out of everything if I stayed one more second.
I open my heart to her, but she is wary of me everywhere, which is probably the chilling scene that every insurance agent will encounter when facing acquaintances and customers.
“Don’t pay any attention to them. When they get seriously ill, they’ll regret not buying insurance from you.” Dr.
Zhang’s relief didn’t make me feel much better. Although he has switched to insurance, his colleagues still call him Dr. Zhang. Because of his working background in the hospital and his experience of suffering from cancer, he is more convincing in introducing and analyzing products. He has just completed the MDRT index of that year in a few months of insurance. He is a mythical figure in the company. I,
on the other hand, may be the worst member of Dr. Zhang’s team. He also talked about insurance with the story of his own experience. He was professional, but I was miserable. Stories can only win sympathy, but they will not be so emotional if they want the other party to pay real money to buy insurance. The income of
insurance is directly proportional to the number of orders. In the first three months, I only sold a few orders to friends who were particularly familiar with me, and in order to complete the examination and keep my sales status, I bought a few small insurances for myself. I couldn’t help wondering if I was the sheep that had been killed?
Approaching the examination day, I was struggling with whether to continue to do this, but Sisi came to me on his own initiative.
It turned out that her husband recently had a project that required people to do things, and people who sent red envelopes were afraid of being investigated and refused to accept them. But I heard that the other party’s family recently wanted to buy insurance, and it was very difficult to pass the insurance in spite of illness. “You help me to operate it, and I have calculated it. I have insured the whole family for serious illness, and the premium for a year is almost 200,000. You just say that you are engaged in activities and pay one or two thousand a year.” We’ll pay the rest. After
listening to Si Si’s calculation, I frowned: “Our company’s underwriting is notoriously strict in the industry, and there’s no way to take shortcuts. Besides, your practice is illegal, and you have to deduct the premium directly from the other party’s account, and you can’t help them pay it.”
Chen Ran! Why are you so mean! Still holding a grudge for the last time! Si Si blamed me.
“I am responsible for you!” I argued my case.
We broke up on bad terms. I complained to Dr. Chang, and he comforted me: “You did the right thing. Insurance can also help you see whether some people around you are friends or not.”. A true friend, no matter what you do, will never leave you.
Unexpectedly, her husband’s project was completed and she made a lot of money. I don’t know how she finally operated it. I didn’t ask, she didn’t say, and tacitly didn’t mention it again. Before the arrival of the
assessment day, Si Si took the initiative to buy her husband a serious illness insurance with an insured amount of up to 5 million yuan from me. The first year’s premium was 140,000 yuan. She said that she supported my work as a good friend. Her smile was so sweet that it seemed that she had never been unhappy before.
I am very grateful to her, but the subsequent development of things is really beyond my expectations.
Trust and Responsibility
That morning, I was suddenly awakened by the message in the company group-Dr. Zhang ran away!
He is a big salesman of the company. He earns millions of yuan every year. Why did he run away? When
I was still in a daze, Si Si ran to my house in his pajamas with an anxious face. Only then did
I know that after I refused Sisi, Dr. Chang took the initiative to find Sisi and promised to help her “operate.”. Si Si transferred 200,000 yuan to Dr. Zhang to pay the premium for the person in charge of the project, but the family of the person in charge of the project fell ill some time ago, only to find that the insurance contract in hand was forged by Dr. Zhang!
“Now the project is going to get rid of my husband, but our 200,000 yuan is real money!”
“I told you a long time ago that getting insurance in spite of illness, especially serious illness insurance, is very difficult to pass. He assured you at the beginning that there was something wrong with it!”.
Si Si broke down in tears: “It’s all because you say how reliable your company is, and that Dr. Chang is still your supervisor, with all kinds of awards and honorary titles, otherwise I wouldn’t believe him!”
I didn’t have time to get angry and defend myself, so I quickly consulted the company’s legal and claims department, but because this was Dr. Zhang’s personal fraud, the company did not bear legal responsibility, and there was no second solution except to call the police. Dr. Zhang still has some fake lists like Si Si, and some clients have paid tens of millions of annuities, which adds up to a large number.
I beat a retreat to the insurance industry, put all the signed insurance policies in front of me, and looked at the names on them, with mixed feelings in my heart. I rehearsed how I would explain to them that I was leaving the industry, that I had promised to serve them for the rest of my life, and that I was only a few months away from selling to someone else. Their insurance policies will be referred to as “orphan policies” and will be transferred to other colleagues. My
husband’s phone call suddenly brought me back to reality: “I want to surrender my insurance!”! When Si Si first said he wanted to buy insurance, I didn’t agree. Now that the project has failed, my company still has a payment to pay, and you have to go through the formalities for me right away! Before I
leave, I still want to stand on the last shift and persuade them: “I understand your concerns, but you will lose a lot if you surrender your insurance now.”
No matter how big the loss is, it can’t compare with my urgent need. You are also responsible for our family’s current situation! Chen Ran, since you sell insurance, we are the only ones who haven’t avoided you like everyone else. You should be grateful.
“But..”
No buts! I’m on my way back from out of town. Tomorrow you’ll come to my house to surrender the insurance. I can’t wait a moment! As soon as the voice fell, he hung up the phone.
I gave up the idea of going to Sisi to persuade her again. The next morning, I came to her house as promised and went through the surrender formalities for her husband. But as soon as I got to the door, I heard a lot of crying in the room.
It turned out that the night before, Si Si’s husband was hit by a truck on his way back from other places and died on the spot, leaving only Si Si’s orphans and widows and a group of salaried employees.
Si Si hugged me and cried bitterly. Shocked, I quickly thought that her husband’s insurance, which had not yet been terminated, could still leave 5 million life-saving money for the suddenly broken family. After the amount of
compensation was in place, Si Si thanked me a thousand times for listening to me at the beginning. Now the money left behind can not only solve the company’s problems, but also let her and her children live for a period of time. Life
is like a play. The accident suddenly made me realize the meaning of this job. Insurance policy is not only a piece of paper with legal benefits, but also a responsibility to every customer and every family.
If I leave now, what will happen to those clients or friends who have already bought insurance with me? Will we encounter irresponsible insurance agents like Dr. Zhang again, in case they have an accident, but also suffer tremendous financial pressure? For the sake of the clients I promised, I decided to keep doing it. After
dealing with her husband’s funeral, she closed the company and joined the insurance company, becoming an insurance agent like me.
I have advised her that this job is not easy, and she can use the premium left by her husband to do some other business. But she said that she did not know how to invest, was afraid of losing all her money, and had no professional skills. Many full-time mothers around her chose to sell insurance. Besides, since I could do it, she could do it. All
I can do is try my best to help her.
But Stacy got started faster than I thought. She is beautiful, cheerful, still in the induction training stage, she made an appointment with many customers to sign the bill, the next number is frequently placed orders, becoming the best of the company’s new people.
I was worried that she was busy with customers, neglected the research of products, and asked if she needed my help. But she doesn’t care. She thinks that insurance is a good thing as long as it can be sold. No matter whether it is a black cat or a white cat, it is a good cat to catch mice.
Soon, as expected, she let a high net worth client pay a one-time annuity of 10 million yuan, overfulfilling the MDRT of that year. This has become a popular myth in the company, and naturally I can only shut up.
Not only that, she also won the customer’s heart while winning the order. I am happy for her that she has found a suitable job and started a new relationship.
However, the rich husband is not so easy to catch, apparently the other party is just playing with Si Si, when Si Si began to force marriage, the relationship soon ended. But Si Si is not discouraged, instead, selling insurance as a tool for fishing cheaters, focusing on the development of high net worth customers. She says that even if she doesn’t fall in love, she can still get some financial advice from her partner, and the compensation her husband left for her is all used by her to “invest” in her partner.
Chen Ran! I I’m finished! Late one night, I was woken up again by a phone call from Si Si.
Unexpectedly, this time, Si Si is in the hospital.
It turned out that Si Si, who thought he was smart, had been cheated again. This time, she was cheated out of not only 200,000 yuan, but almost all of her assets. What made her
even more devastated was that she dealt with these troubled things, ignoring the child, the playful child, swallowed three small steel balls in the toy, which firmly sucked the child’s intestines together, resulting in ischemic necrosis and perforation of the intestinal wall.
The child was already in shock, and the fatal thing was that the steel ball was stuck in its place, and it could not be removed through a gastroscope. A surgeon came out and said, “The family must sign quickly, the child must be operated on immediately!”.
Si Si took the consent form for the operation in a panic and was about to put pen to paper when he suddenly froze. What are you
waiting for? Sign it! The child’s condition cannot wait! I’m in a hurry.
As if waking up from a dream, she murmured something in her mouth. She finally came to her senses and asked me to help her go home and get the things for her child’s hospitalization.
I ran out of the hospital in a hurry, and before I could get on the bus, I saw the order information released by the company group. It was none other than Si Si who placed the order. How can she be in the mood to serve other customers in
such an emergency? And judging from the amount of the order, it should be the company’s more popular accident insurance.
A flash passed through my mind. She didn’t want to cheat the insurance with the child, did she?
There is a public number that can query the beneficiary’s insurance policy according to the ID number. At this time, I did not care about the invasion of privacy and entered the ID number of Si Si. As a result, I was surprised that Si Si had bought several accident insurance for his children, and the amount of compensation added up to millions! The child’s accident insurance usually takes effect on the spot, and she is using her identity as an insurance agent to conceal the fact that the child is receiving accident treatment, with the intention of cheating insurance!
I turned around and went back to the emergency room, and sure enough, I saw Si Si hiding in the corner and calling the claim department to inquire about the claim.
“Don’t worry, the doctor will tell you the truth. Your child swallowed the steel ball by himself. You won’t get a penny of the compensation you want.” I interrupted her coldly.
Si Si panicked: “What do you mean?”! Am I going to harm my own children for the insurance money?
I can understand your difficulties, but you shouldn’t trade your children! I saw you were hesitant to sign the consent form for the operation just now. Did the dog eat your conscience?! I’m angry.
“What do you understand?” “You are my friend, can’t you understand me? You don’t know how hard it is for our orphans and widows. My life can’t be ruined again!”! The child can be reborn, but my life can’t be reborn!
“Pow”! I couldn’t listen any more, so I slapped Si Si in the face. “Anyway, it’s already like this. If you have the ability, you can sue me. Do you have any evidence?”
Said Sisi with an ugly face.
“Obtaining evidence is the specialty of the police. As an insurance agent, my specialty is to understand that the state, in order to prevent people from using minors to cheat insurance, stipulates that accident insurance will only pay the premium for death before the age of 18, not the insured amount.” I said word by word, “Not to mention that the claim adjuster will come to the hospital to strictly check the medical records. The amount of death insurance seems to be millions, but the premium is only a few thousand yuan. I have long advised you to research more products, and if you had listened, you would not have made such a foolish decision for such a small amount of money.
Si Si sat on the ground with a limp at his feet. Fortunately, the doctor came out to inform and the child was saved. Si Si hugged his head and cried bitterly, not knowing whether it was tears of joy or sadness. There may be deep feelings behind the
insurance policy, but there are also many chilling secrets.
Some people buy insurance for their spouses, but the beneficiaries are their parents, and a marriage certificate separates their hearts.
Some people have already done property quarantine with insurance in advance, and they can get married, but they want to share my money, no way.
Even some people will take risks and lose their conscience for the sake of a little premium. Tiger poison does not eat children, and some people have become the people who personally push their children off the cliff.
In the evening, when I returned home exhausted, my son ran over and hugged me: “Mom, did you sell the insurance today?” He asked me expectantly with his big childish eyes fluttering.
I hugged him tightly, tears welling in my eyes. “No, but I taught a lesson to a former client.”
Why give lessons to customers? Is he disobedient?
I laughed. “Of course, there are adults who are obedient and those who are not, but they are the benefactors of our family. Because of their insurance, my mother has money to live with you.”
Haoxuan seemed to understand, then asked: “Do you love your customers?”
I was stunned for a moment and told my child, “Maybe, but some are worthy of love, and some are not.”
“Mom, I think you should love all your clients. The teacher said that love makes people happy.”
My son’s words untied the knot in my heart.
Entering the insurance industry, at first, I was obsessed with evil thoughts, but along the way, insurance taught me what is responsibility and what is human nature. It is true that there are many black sheep in this industry, or to promote insurance products that customers do not need for commission, or to exaggerate publicity, resulting in the tragedy that customers have no way to settle claims, but insurance itself is not wrong. It holds up a big umbrella for each family to resist the wind and rain, and carries the temperature in the blood of each family.
Back in the coffee shop, I looked at the stay-at-home wife in front of me, who had been punched and kicked by her husband over an insurance policy, and handed over the company’s recruitment materials: “Do you want to try the insurance industry?”? Maybe you can have a different life.
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