Can a monthly capacity of 44,500 yuan and a monthly income of 10,600 yuan can become a new way for insurance channels?

At the moment when production capacity is declining and human loss, the transformation of life insurance agents has become a secret for the industry.

According to industry exchanges, in April 2022, the number of insurance agents of 86 family insurance companies had only more than 40 million, and the 6.26 million in the same period in 2021 decreased by more than 2 million again. There is no doubt that with the development of the market and the maturity of consumers, the limitations of the traditional agent system are prominent, the problems of insufficient professional skills, unreasonable interest distribution, and low sense of social value and respect are being criticized. Selected, the transformation of agents in the direction of elite and high -production capacity has become an industry consensus.

Standing at the transformed crossroads, some life insurance agencies and insurance agencies lock their attention to the independent agent model, trying to use the independent model to fight a new way. Can the independent model become a new way for life insurance institutions' insurance channels? Some people in the industry have said that the future is bright and the road is twisted. Independent personal insurance agents must be a professional and professional team in the future. This is by no means realized.

Pioneer: monthly per capita capacity of 44,500 yuan

At the end of December 2020, the China Banking Regulatory Commission issued the "Notice on the Development of Independent Personal Insurance Agents", which proposed specific rules from the aspects of independent personal insurance agent positioning, conditional standards, behavioral specifications, selection mechanisms, corporate management, supervision and management, etc. Essence

After the "gameplay" is determined, the rest is the willingness to participate in "players". As a new path that can break the traditional level, the independent model is indeed attracting the attention of the employee, but as a new thing, the employees are a little hesitant to take the "first step".

However, the industry is always the first person to eat crabs. When other institutions are still watching, everyone has taken the first step in the exploration of the independent model. The relevant person in charge of everyone's life said that the development of everyone's life insurance starts from 0 and has no historical burden, so they chose the road of independent agents to explore, and explore a new way for the industry's development to explore the role of the first crab in the life insurance industry.

Recalling the original intention of choosing the independent model at the beginning, Wang Gang, director of everyone's life insurance, said that from the perspective of the insurance environment at the time, if you choose a traditional agent model, the mortality rate of this road may reach 99%. After all, at that time The problem of the agent of the industry has been highlighted, and it is difficult for everyone to make a different approach and become the industry's independence. Choosing the independent model is the probability of five or five. Essence "From the current situation, the development and achievements of this model are still good."

According to Wang Gang, in the first half of 2022, the company's insurance channels achieved a period of 390 million yuan, an increase of 225%year -on -year. By adjusting the division method, establishing the business characteristics centered on the elderly, the establishment of a team building strategy with excellent performance, and using a digital and platform -based professional system to support the sales system of flat organizations. In the first half of the year The production capacity is 44,500 yuan, and the monthly per capita income is 10,600 yuan, which is significantly higher than the industry level.

Behind the data is the result of the exploration of the pioneers. Because there is no mature experience that can be used for reference, everyone's life has created a "flat -sharing model, the organizer of the office and the partner, the ecological empowerment system" from eliminating the level and increasing the domestic helper. Organize flattening, the interests of the Basic Law focus on the front line of sales, and guide the agent to continue customer acquisition. "Everyone's independent agent model starts from solving the independent independence of the agent. By reducing the transaction role, removing the domestic helpers, increasing the income of front -line sales staff, creating a professional empowerment system, cultivating native professional marketing consultants, attracting attraction A group of outstanding social elites joined everyone's independent agent team. "Everyone in Life Life said.

Later, the independent model is the general trend of the industry development

The exploration and achievements of the pioneers made the latecomers see hope. "Daily Economic News" reporter noticed that many institutions have announced the exploration of independent models, including traditional insurance companies such as Xinhua Insurance, and intermediaries such as sycamore tree insurance brokers and water drop insurance brokers. From the perspective of the industry, in terms of industry development trends or consumer demand, the development of the independent generation model is the general trend.

"At present, we can see that the overall insurance industry has a large difference in income levels and the quality of service quality is uneven. However, at the same time, there are many excellent insurance studios against the trend. The customers who enter, in fact, are also a model of the independent generation. "Shui Di Company told the reporter of" Daily Economic News "that the current industry is transforming in a higher quality direction. The independent generation is a term, representing a high professionalism, which represents high professionalism , High -quality services, high -quality personal brands, customers' awareness of insurance is becoming more and more professional, and the needs of agents/agents will become higher and higher, which also means that the needs of representatives such as the independent generation The degree will also become higher and higher, in line with the development of the times, and creating an excellent independent team is an important part of whether it can establish a high -quality image in the hearts of customers.

Judging from the basic law currently exploring the independent model institutions, these institutions focus on the selection and training of talents. Among them, professionalization and professionalization have become the standard for selecting and training independent agents. The relevant person in charge of everyone's life stated that the reform of individual insurance channels should be focused on "people", reshaping insurance agent channels, and promoting measures such as "optimizing recruitment, qualification certification, professional training, salary incentive reform, and professional road planning". Improve the comprehensive quality of the agent to meet the insurance protection needs of the middle -class and above customer groups in different life cycles. The reporter noticed that the core of the independent agent mode is to eliminate the organizational level of the traditional agent, the reform mechanism and assessment mechanism of the reform of the traditional agent, starting from solving the independent independence of the agent, by reducing the transaction role, removing the intermediate commission in the middle commission Increase direct commission, increase the income of front -line sales staff, and guide agents to continue customer acquisition. The "flat ledger model, the organ and partner's organizational carrier, and the ecological empowerment system" is the core element of this system attempt. A professional and professional team is by no means realized. Although industry institutions are optimistic about this model, they need to solve problems such as talent recruitment and training.

"The independent model looks beautiful, but it is really difficult to do it." Wang Gang said that the first thing to recruit talents. According to its introduction, the recruitment is the source, which determines the quality and learning ability of the agent, and also determines the results and service levels of later training. In addition, calm down to do things, take every step down, and do a good job of professional system construction of the independent model. It is also regarded by Wang Gang as an indispensable condition for institutions to explore the independent model.

Although there are difficulties, the exploration of practitioners' exponential model has not stopped. Practitioners also hope that more colleagues can grow the market for insurance independent agents together. Everyone picks up firewood and flames. Everyone jointly promotes the high -quality development of insurance agents. "We hope to cooperate with more other institutions to explore models together to form industry coordination, so that customers have a more positive industry awareness of insurance brokers/agents. Professional team building management, quality business provides more in line with, and more consistent with it. The product category development of customers' needs is what we work together in this industry. "Shui Di Company said.

Daily Economic News

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