Is selling insurance a middle-aged person’s retreat or a career second spring?
Editor’s note: This article is from WeChat public number “Gu Yu data” (ID: guyudata), author|walker*, Li Wei*, Yang Junyao*, Design|Zhang Xingyu*, Lin Ruoyu*,Production丨谷雨工作室×数 visible* is a visible member of the common copyright party, and is authorized to be released.
In the hit drama “Little Joy”, Huang Lei borrowed the mouth of the circle,
There is a lot of helplessness in the middle age.
People can’t take care of face when they reach middle age. Newcomers in the workplace took a wave, even if the leader nodded and talked to his colleagues, when the age is up, it is difficult to stop the HR’s “love”.
Unemployment is a compulsory course for middle-aged people; changing careers is a dilemma that people have to face in middle age.
There is no skill, and it takes no trouble to change careers alone. In desperation, only those professions that have been looked down on are beckoning, such as selling insurance.
Middle-aged people switching to insurance seems to have become a common phenomenon. What makes them still choose the insurance path under various social prejudices? Gu Yu data chatted with Huang Long and Yuan Yuan, middle-aged people who switched to insurance, and hoped to outline the anxiety and trade-offs behind the middle-aged people’s turn through their stories and related data.
I was stunned yesterday, selling insurance today
The occupational crisis is the primary reason why middle-aged people switch to selling insurance. In recent years, the rejuvenation strategy of Internet companies has become a tacit fact of the big manufacturers. High-paid middle-aged people have become the first choice for “optimized”. The financial industry, which once flourished, also ushered in the cold winter of capital. The wave of layoffs was linked to a wave of waves, and the middle-aged people were the first to bear the brunt.
The 30-year-old Huang Long, after graduating from a master’s degree, went to work in an investment bank in Shenzhen. Under the influence of the big environment, his performance fell, and his wages shrank directly by half. Under the trade-off, he chose to sell insurance. Huang Long said: “Insurance is more like a job for yourself. You can shape yourself like a personal brand and attract customers.”
Freedom of working hours is another important reason. Especially for working mothers, endless overtime, it is impossible to balance work and family. For middle-aged people who used to work in the Internet and other industries, they have been burdened with the other half of the crime of “having a job at home” for too long. They also need a more relaxed working environment.
Yuanyuan is like this. After the birth of the second child, she “strickenly tossed” for a year, first to the job to the media, a few months later went to the startup company as a project manager, and finally chose to sell insurance. Only with this job can she work relatively freely and can free up her energy to take care of her children.
More and more middle-aged people see the possibility of selling insurance under the bottleneck of their respective careers. Yuanyuan said that most of her well-known insurance companies, insurance insurers, have changed from the financial industry, from civil servants or state-owned enterprises, from the IT Internet industry, and many others like her. Second-born mothers.
Community and resources, where the gas is located
In the insurance industry, these middle-aged people finally don’t have to worry about being “optimized.” Because middle-aged people are more suitable for selling insurance than small meat. After all, although people have been laid off, their previous colleagues’ WeChat is still there.
In the circle of middle-aged friends, there are other middle-aged people who feel that they can’t make a living and consider buying insurance. These connections are the basis for middle-aged people to dare to sell insurance, and they are able to get on the road to selling insurance.
The data of the China Insurance Association shows that the insurers in the insurance industry are mainly middle-aged. They have high academic qualifications and high correlation with professional experience, which is conducive to accumulate performance and form a team.
Huanglong’s first policy was sold to the former owner’s HR sister, and the sales of the elite alliance will soon be reached in less than a year. Yuanyuan was also promoted to a business manager soon, and her husband was invited to participate in the promotion ceremony held at the International Trade Center Hotel.
There are these connections, and middle-aged people are more concerned about “sudden maps”. They will not alternately publish in the circle of friends, “10-year-old girl suffering from brain tumors because parents have no money to heal treatment” and other similar articles, nor will they be released at the annual red carpet of the insurance company’s luxury annual meeting, and the company’s morning training sharing The nine-square photo of the lecture.
Huanglong will deliberately control the proportion of insurance elements in his circle of friends, and give himself a friend who has more yuan: he will participate in some social activities and will write articles for his public number.
One person sells insurance, the whole family pulls black
This image is very important, because switching to insurance is not as simple as changing jobs. It requires not only starting from scratch, but also courage to face all kinds of prejudice from family and society. “One person sells insurance, and the whole family pulls black.” Even if you have a good relationship, you may be afraid to avoid it when you are involved in the insurance industry.
The image of the insurer was not glamorous. “Selling insurance” is almost the biggest depreciation of a person’s career development. It seems that there is nothing that no company wants to “degenerate into” an insurer.
In most people’s impressions, the insurers are the salesmen who go door-to-door to sell insurance, and everybody asks “Brother, buy insurance” dog skin plaster, is a middle-aged aunt who has been rejected even if he has been refused. It is an excuse to visit you and sit down and take a “good friend” who advises you to buy insurance in one afternoon.
However, in 2013, with the purchase of insurance in Hong Kong becoming an option for the allocation of new middle-class resources in China, Hong Kong insurers’ high-education, high-quality, high-income sales elite image, Gradually changed the Chinese impression of “selling insurance.”
The insurance commissions in Hong Kong are generally higher than those in the Mainland. The proportion of first-year commissions for products with pure risk protection, including life insurance and term life insurance, can reach 80%, and major illness insurance can reach 50%. [1] This has attracted a large number of highly educated and highly qualified people.As an insurance agent, many of them are university students studying in Hong Kong.
In order to attract quality customers, mainland insurance companies have also raised the recruitment threshold. Highly educated and highly qualified people flow into the insurance industry.
Yuan Yuan revealed that her insurance company, the post-80s middle-aged person is the main force; the company rarely recruits newly graduated students, the company hopes that newcomers will have work experience and resource base. The requirements for academic qualifications are also very high. Among the approximately 6,000 new employees added in 2018, there are 2015 graduates, 2,800 undergraduate degrees, 765 masters, 35 doctors, and many returnees.
Is insurance a lie? Concept has been reversed
The middle-aged people are turning around and selling insurance, which is the rapid growth of this industry. China’s insurance industry is still a blue ocean.
The data shows that the number of policy holders in China has increased from 1.96 in 2010 to 2.89 in 2017.
Compared with 2010, the overall per capita premium growth rate in 2017 was 18%. [2]
The emergence of a huge insurance market with a rising space has benefited from the insurance concept that the Chinese have quietly formed.
“The insurance in the eyes of our fathers is deceptive.” Huang Long said, “But now, after 80s and 90s, there is already a strong sense of insurance.” 2018 China Insurance Consumer White Paper The data shows that in the age distribution of insurance consumption, 80 is the main force of insurance consumption. [3]