On July 23rd, I interviewed many top marketers who have worked for over 15 years. In their view, Internet finance stirs not only the banking industry, but also the insurance industry. If the domestic marketing team does not seek promotion and breakthrough, 2 million marketers will be eliminated within five years.

Where does the data come from?

From the perspective of the industry, once internet finance takes off, 2 million marketers will be forced away, which is sensational, but it is by no means impossible. "There is no doubt about the extensive operation of the insurance industry in China. As we all know, the ranks of insurance agents are mixed and widely criticized. Among the more than 3 million agents, it can be said that most of them are low-end agents, with high liquidity, low rates and too many personal insurance policies and fraudulent insurance policies. When China begins to enter an aging society, middle-aged and elderly people over the age of 50 actually have no guaranteed insurance to buy, and the middle class with purchasing power will greatly increase their consumption of the Internet, from physical consumption to financial product consumption. It is doubtful how many effective policies can be formulated after more than 20 years of strange visits. "

A phenomenon that cannot be ignored is that the number of domestic insurance agents is shrinking. On July 5th, the "20 12 Insurance Intermediary Market Development Report" issued by the China Insurance Regulatory Commission in official website said that the premiums of property insurance companies nationwide dropped by 3.9 percentage points year-on-year. One of the reasons is that the direct business of insurance companies in new channels such as telephone marketing and online marketing continues to increase, which leads to the continuous contraction of marketing business of property insurance companies.

"Since last year, it has been a top priority for insurance companies to increase the number of life insurance employees, but until now, the loss of personnel in the agent channel is still difficult to contain. On the premise that there is no way to increase the number of employees, we have to increase the per capita production capacity; In terms of property insurance, since the online sales channels of auto insurance products have developed rapidly as early as two years ago, the decline of agent marketing channels is even more irreversible. " On July 24, the marketing director of a large life insurance company in Shanghai said.

On July 23rd, Dr. Actuarial of the Insurance Department of Fudan University made a rough calculation based on the data published by the China Insurance Regulatory Commission. Last year, the proportion of premiums realized by life insurance companies through the salesperson channel rose from 44.6% of 20 1 1 to 48.6%, up 4 percentage points year-on-year. The total premium reached 475.4 billion yuan, a year-on-year increase of 17%, an increase of about 80 billion yuan; However, if the total number of insurance agents in China is 3.35 million, and the per capita production capacity is18120,000 yuan, an increase of 56,600 yuan, an increase of 3 1.2%, and the total premium scale is about 607 billion yuan, the difference between the two premiums is13 billion yuan; Even if the national insurance agents remain unchanged and the per capita production capacity increases by 17%, the total scale premium should be around 5 192 billion yuan, which is 40 billion yuan higher than the existing premium. These data implicitly show that the loss of domestic insurance salesmen in 2065,438+02 is quite serious, which also confirms the worries of domestic insurance marketing elites.

It is worth mentioning that the above situation happened before the insurance was sold in Sanma. On July 2 1 day, Shanghai officially announced that the Bund Financial Cluster will build a financial innovation pilot zone with Internet finance and private finance as the main body. Zhongan Online, the first domestic Internet insurance company jointly funded by Jack Ma, Ma Mingzhe and Ma, will officially enter the Internet insurance sales. How much premium can it "pry" from the traditional domestic agency channels? Although there is no data to prove it, it has been pointed out that this business can have at least hundreds of billions of premium cakes to dig.

Method of change

Domestic insurance agent channel is blocked by internet finance or will soon become a reality, and the insurance circle has a debate on Ma Yun's talk about insurance. "Be wary of Ma Yun's motivation behind talking about insurance. Why did he join the Internet insurance sales? On June 2nd, I also attended the first Bund International Finance Summit, talking about insurance and cancer? In the future, highly standardized insurance such as accidents and serious illnesses will be replaced by online sales. Think about how many physical stores JD.COM Mall, Suning Gome Online Mall and Taobao have killed. Best Buy is an example. In the future, low-end insurance marketers will definitely be kicked out by online marketing. At the same time, don't mistakenly think that everyone's insurance is online sales, just a new way of communication for physical sales marketers, and there is no price advantage. " Recently, this WeChat about Ma Yun's talk about insurance classics has gone viral in the insurance marketing circle.

The biggest worry of the insurance marketing team is that in the future, the salesperson may talk to the customer about the idea and insurance benefits for a long time, but the customer does not have insurance, so he goes to Ma Yunkai's online insurance mall to place an order, because the customer has already figured out how to buy insurance, and online sales are definitely 20% cheaper than the salesperson. "The way out for insurance marketers is to enhance their extended value and give customers something that can't be given on the Internet. Otherwise, the insurance salesman will have to change careers. "

In developed countries in Europe and America, Internet finance has already emerged. Why is there no such panic in foreign insurance agent market and domestic agent channel today? This is because the foreign insurance market has been quite mature after one or two hundred years of market development, and independent insurance brokers rarely cheat. Agents can bring all-round wealth management planning to customers, even if they are consulting, customers will pay consulting fees, but the domestic insurance agency market is still quite chaotic. Competing for market and price is a means used by insurance companies. Lack of good faith, personal insurance policies and fake insurance policies are common phenomena in agent teams.

"In the future, domestic agents will only take the high-end route, provide customers with a set of comprehensive financial planning and risk solutions, and stand on the customer's point of view to win more benefits for customers when making claims. Only when professional agents tell customers all the information contained in an insurance product accurately and are responsible for the interests of customers can they really become bigger in this market. After-sales service is very important to customers, which is exactly what Internet insurance cannot provide. "

In this market, even if the number of agents is huge, the proportion of truly excellent agents is very small. If most agents don't have enough courage to stick to it, they will face great challenges brought by internet insurance sales. Perhaps in the next five years, countless agents will be eliminated.

The difference between Melaleuca environmental supermarket and insurance company;

1, a customer's insurance recommendation will end in 5 years at most, and Melaleuca can get a lifetime commission for recommending a customer;

2. The commission earned by insurance after recommending a customer is decreasing year by year, while the income earned by Melaleuca after recommending a customer is increasing year by year;

3. Insurance has personal performance pressure and group performance pressure. Melaleuca is not under pressure, just changing brand consumption.

4, insurance should be assessed regularly, but the exam is nothing more than zero, Melaleuca does not need any exams, and it will accumulate forever;

Insurance will always expand new customers, but can't keep customers, and it is always too busy to rest. Melaleuca's continuous repurchase rate is as high as over 95%, and it will always retain customers, so that customers will turn back every month, old customers will continue to buy, and new customers will keep coming in, truly making money and leisure.

6. Insurance is an annual rental business, and commission is only charged once a year. Melaleuca is a monthly rental business of high environmental protection daily necessities, and takes a commission once a month;

7. Insurance has a fixed workplace and strict working hours. Melaleuca can choose the workplace and working hours according to its own situation;

8. The performance pressure of insurance is great, and the assessment system is strict, while Melaleuca has no performance pressure, and the assessment system is more relaxed and humanized;

9. Insurance is more suitable for business elites. A few people succeed, and Melaleuca can do it for everyone. Grant Thornton ranked first;

10, insurance is a temporary income and a lifetime service, and Melaleuca is a temporary service and a lifetime income;

1 1. Insurance is for sale, with a single product and fierce competition. Melaleuca advocates consumption to get rich, and its products are diversified and serialized, which can meet all aspects of home life. Just entering the mainland market, the market is blank;

12. After the insurance leaves or dies, everything goes back to zero, and all resources are owned by the company without inheritance. Melaleuca can pass on their children to their grandchildren and inherit them forever;

The visiting trend of musicians

Why do Taiwanese businessmen always succeed in doing business in the mainland? Not because they are smarter than mainlanders, but because those things have proved to be successful models in Taiwan Province Province. The same is true of Melodies. In the development of Taiwan Province province 10, how many companies have been defeated, including 15 countries in the world, and the annual turnover of 1 10 billion dollars has been created, which is beyond the reach of ordinary companies. I am a businessman, and direct purchase by consumers is also a business. I choose the trend because I can understand it.

If it is difficult for you to talk to your friends, there is only one reason, that is, you don't understand the advantages of Melaleuca. Melaleuca is a factory that develops its own products, and more than 97% of the products are developed by itself. Melaleuca not only produces its own products, but also establishes its own transportation channels and mail order facilities. The so-called integration of production and marketing directly recruits consumers. Therefore, we have created a consumer direct selling cdm, which no company can do. 340 yuan, on the other hand, gives back 5% of monthly orders to consumers, making them cheaper and more willing to share products.

The so-called marketing-is to find ways to let consumers take the initiative to buy products, rather than traditional sales. There is no difference in the price of making friends at Melaleuca, and everyone has the same discount. Instead of a 30% discount for traditional companies, they sell at the original price and make a profit. Don't make money from friends at Melaleuca. Melaleuca is a way of getting rich by consumption and a development trend.

Musicians have four simple sentences:

1-it's all what you need anyway (Melaleuca's products have no luxury, they are all daily needs).

2- Environmental protection, safety and non-toxic (how polluted is it now, and the cancer rate is surprisingly high)

3-30 days 100% satisfactory return guarantee (the company can enjoy this guarantee in China).

4- Try it for you as a member (conclusion)

Consume to get rich: high-quality and high-concentration products-get healthy-and save money (you can calculate it yourself)-if you know it, it is a career. The circulation and consumption channels of daily necessities are the trend, and time will prove everything. For those who are still confused, there is nothing to say, we will wait and see. However, what I ask of you is to have a sense of mission, help more direct sellers in Chinese mainland, and tell them what the real guarantee is and what the long-term career is. Finally, I wish you success in Melaleuca and create a better future with us!

Do you know the company with a repurchase rate of 95%?

Do you have a headache for completing no more or less performance every month?

Do you have to add some available products to win the difference award or recommendation award of the department?

Do you feel sorry that the subordinate departments can't sell products and can only buy them in piles for their own use?

Do you already think that although direct selling products are very good, they are really a little ahead of consumption for my current income situation?

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.