當保險經紀人的第一步?

Categories: 人壽保險+年金Published On: January 13th, 202111 min readViews: 17493
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一般來說在美國,保險公司多專注於商品的開發和研究,產品的銷售基本會授權給予第三方的保險經紀公司來著手。既然知道保險的產品是由保險經紀公司來售賣的,那麼如何選擇一個好的人壽保險經紀公司就顯得格外重要!!因為全美800多家保險公司的人壽保險商品特色各異,種類繁多,如何從中挑選最適合自己的,就要看對接的保險經紀公司是否有足夠的經驗與專業。今天我們來聊一聊關於保險經紀公司的一些事務和特點,希望可以為您在未來挑選合作的人壽保險公司提供參考。
01. 一般保險經紀人制度:Captive制度
他是替某一家保險公司專門做的,比如說像Prudential、Allstate這一類的公司,等於是它的員工,主要賣本公司的產品。
優點:有公司的扶持、有經理的幫忙,對新人的培訓和成長起到提升作用。
缺點單一隻賣一個公司的產品不見得適合每一個人,佣金不高。必須全職,陣亡率高。
獨立經紀人制度
他不屬於任何保險公司,是獨立經紀人。在美國大概有30萬個獨立經紀人,但是保險公司並不想跟他們全部打交道,客服和Service就跟不上,所以在獨立經紀人公司大概要跟200~300個批發商(Wholesaler)打交道,批發商主要的工作是去招募Agent,然後培訓他們,幫助他們如何處理生意以及協助他們跟保險公司打交道。
優點:可以代理各種不同的公司產品,佣金比例高。
缺點批發商培養新人的意願不高,獨立經紀人行事比較孤單,經常是單軍打仗。
傳銷制度
保險公司僱傭銷售人員,直接推銷保單。
優點:透過傳銷系統來代理保險;不需要專職,Part time就可以;不強調年業績,有一些Teamwork。
缺點主張內部消耗,分級分錢,人員流失率高,難實現永續收入。
02. 泛宇集團的優勢 – 結合三大製度的優點 :
泛宇集團剛開始的時候是獨立經紀人制度,但是在六、七年前一躍發展成為全美亞裔最大的批發商。我們優勢在於,有比Captive制度更好的內部支持,為5000多位人壽保險跟年金的員工提供專業培訓,直接代理40+家名牌保險公司;持續擴張方便服務各地的經紀人;提供財富管理全方位一站式服務。不管是從資質、專業還是對經紀人的支持上,我們都希望可以融合三種制度,取其精華,這也是為什麼我們得以快速成長的原因。
如果大家對財務保險理財方面有任何疑問的話,歡迎選擇我們泛宇集團,我們有豐富的實戰經驗,還有資質過硬的專家以及充滿責任心的Agent團隊,一定可以給您提供最優質的服務體驗。

泛宇用心,讓您安心

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