Many of the projects I have shared before are small projects that can only be done in a short period of time, or they are very tiring, and their value is not very high. Today, I would like to talk with you about another project that can be done for a long time with a high profit, that is, insurance sideline (annual income of 100,000 dollars, many people can do it).
. When it comes to insurance, many people may resist it. There were a lot of insurance sales messages and phone calls, but when you think about it, isn’t that a sign that this project is making money?
I. Underlying logic of the project:
1. Requirements:
Insurance in China has been developed for several decades, relatively mature, and there are a lot of big
Companies and Internet insurance companies, large companies are more or less involved in financial insurance business.
With the development of these years, people’s living standards have also risen significantly. Insurance, as a hedge against uncertain risks in the future, has become an effective means to hedge risks, and the market has been educated
More and more mature. Insurance is no longer an investment and financial item for the rich, and many ordinary individuals and families are more or less in contact with it.
With the development of the Internet, many insurance companies have split into two types. One is the traditional insurance brokerage company, which specializes in hiring its own insurance agents
. One is the Internet insurance brokerage company, the threshold is relatively low, to the whole society to recruit part-time insurance salesman. In the insurance salesman sector, the barriers to entry have fallen very low, which means the market is much larger.
2. Solution:
The insurance sideline I share this time mainly focuses on interconnection in the early stage
Online platforms are mainly independent insurance brokers. They can have other jobs by themselves, but in their spare time, they can make use of their influence and cash out through insurance. Later, if you want to dig deep in this field, then join the traditional brokerage company with its own Internet insurance business platform.
Join the Internet
One advantage of traditional brokerage companies on the insurance business platform is that they can obtain long-term benefits with no ceiling of revenue. Moreover, they can better solve their own sales problems through the way of mentors and apprentices. In addition, traditional brokerage companies have a lot of high-end insurance products, which are not on the Internet platform
For sale.
However, independent brokers also have great advantages, that is, the threshold is relatively low, and the business pressure is very low, can develop their own side business in addition to the main business, very suitable for ordinary people to do the insurance side business.
3. Revenue Composition:
Internet insurance business mainly depends on insurance commission
Gold. The commission ratio is still quite good.
Ii. Specific implementation
1. Select the platform:
In fact, there are many Internet brokerage platforms on the market, mainly in two forms. One is only for the sole certification (that is, the certification of A platform, can not be certified B platform). This platform is not many, but mainstream
Huizze (APP called Jumi), one is Chua-bao (but this platform now only support invitation registration, that is, you need someone to give you an invitation code to register, this can go to the official group or interest exchange group, you can find someone to give you an invitation code).
Another form is can be more
Secondary certification (that is, after the certification of platform A, but also the certification of platform B), this kind of Internet platform is relatively large, the mainstream is i cloud insurance, Kuaibao, insurance division, etc.
However, due to the large number of Internet brokerage platforms, it is inevitable that the products are relatively homogeneous and the functions of the products are relatively homogeneous
General insurance is divided into four types of protection insurance (critical disease insurance, life insurance, medical insurance, and accident insurance), financial insurance (annuity insurance, increased life insurance), other specific types of insurance (such as travel accident insurance, school insurance, etc.), and enterprise insurance (property insurance and partial group insurance). So instead of registering multiple platforms,
Generally, 1-2 platforms can be registered, which can basically meet the needs of most people.
The general registration process is: there is a license, on their own direct mobile phone registration, and then the practice certification, you can start to promote earn commission. If you don’t have a license, you’ll need to find one that can help you get one
Registration of the license platform, and then join the brokerage platform, the platform will help you to apply for the license, certificate down, you can start to promote commission.
2. Knowledge Reserve:
Professional knowledge:
Many people regard insurance as a risk hedging product like a lifeline. Due to the complexity of insurance business, many people do not
With professional knowledge, insurance brokers are the most important reference at this time. If the insurance broker is not professional, one is not trusted, two is if their recommendation is bad, bad reputation will be difficult to get along in this circle; Third, if the customer really because of their unprofessional because of insurance
Question, is also a very harmful thing. Therefore, professional knowledge is the basic condition that insurance practitioners must have.
Channels of knowledge learning:
Generally speaking, there are more knowledge channels on the Internet, such as insurance division, portable book, there are more professional courses to learn. In addition, you can also go to see one
Some of the industry’s more authoritative insurance books, such as “Your First Insurance Guide”, “Life Insurance”, etc.
Professional guidance:
No matter how well you learn theoretical knowledge, it is good to have some accidents and problems in the process of actual communication with customers. At this time, whether you have professional guidance, just
Will become very important (traditional insurance brokers, will have a master apprentice, independent brokers have to think of their own way), so the best way is to find a few experienced insurance practitioners to guide, in the face of problems, can give professional advice in time.
3. Insurance Sales:
The main
Business and sideline:
There are many professions that are quite suitable for insurance, such as doctors. Doctors can ask whether they have bought commercial insurance when patients are sick (most people do not have it), but this part of people due to their own personal feelings (when they are sick, there is no commercial insurance protection, eat some losses), on the contrary
They pay more attention to business insurance for themselves and their families. For example, lawyers, because of the characteristics of the profession, so very suitable for the sale of annuity insurance, life insurance of this kind of specific insurance. Another example is financial planners. Due to their professional attributes, insurance is often their first choice as a side project
Customers tend to be more willing to invest in insurance, and the conversion is often very high.
Circle of Friends:
Friends before the social circle of acquaintances, it is often easier to transform the needs of people around. A team specializing in the business of circle of friends, with dozens of thousands of fans of micro signals, specializing in the business of circle of friends, can do the annual profit of thousands
Wan. As long as you write good copy, users are not disgusted, and even willing to see your circle of friends, so when their needs are touched, often the easiest to become your customers.
We Media:
Moments of friends is the private domain traffic, we media is the public domain traffic mainly, here “we media” mainly refers to
TikTok
,
Social networking Sites
This kind of
A short video platform that can acquire users from a public domain traffic pool. in
TikTok
There are many financial bloggers. When they share various financial knowledge, they are also shaping their influence, making fans feel that they are professional in this field. Will often be very willing to add the blogger’s wechat, when there is any demand in the future
They naturally choose the expert they feel they trust. However, we media is a very long-term thing, which needs to be accumulated and transformed slowly. It is suitable for long-term operation, and it is difficult to obtain huge traffic in a short time.
Iii. Project Evaluation
1. Suitable for people:
Insurance sideline is more suitable for many people to do sideline
The longer you are in business, the more popular this area becomes.
2. Cost
The main cost of this project is time. It takes a lot of time to accumulate my knowledge and build my professional influence.
3. Risk and Control:
The main risk in the program is in assigning insurance to people
Hou, due to their own unprofessional, may lead to problems. So you need to learn as much as you can, and find one or two professional people to lead the way.
4. Revenue
It is really possible for this project to reach 100,000 dollars per year. The commission of serious disease insurance and life insurance is about 50%-85%. Medical insurance, accident insurance,
The commission rate for certain types of insurance is about 10%-50%, and for annuity and enhanced whole life insurance is about 20%-50%.
Income = Premium * Commission rate. If you want to earn 100,000 dollars a year, 10,000 dollars per capita premium, and the commission rate is 60%, you only need 16-17
Customers, you can make 100,000 dollars a year. If the per capita premium is 5K, the commission rate is still 60%, and only 32-34 customers are needed. Some customers will not only buy for themselves, but also for their children, parents, spouses, that is to say, maybe 10 or so small families, enough to support you
A small goal of making $100,000 a year.
If your circle is of high quality, such as some enterprise bosses and employees of big Internet factories, their income is relatively high. For example, employees of Alibaba, Huawei, Tencent and other big factories have relatively high income. So if the premium per capita is $20,000, you
It only takes eight of these clients, three or four families, to get you a small goal of $100,000 a year. Don’t you think it’s too hard?
5. Project extension
Financial Advisor:
Generally willing to spend money to buy insurance, often pay more attention to investment and financial management, at this time, if you happen to have research in this area
However, it is often easier to cut into this area and develop another good business line.
We Media blogger:
Do we media blogger’s benefits are still very many, in addition to gather a large number of fans conversion, but also to attract a lot of advertisers to advertise. For example, introduce XX products in the video, one
A video can get thousands of thousands of dollars or even more advertising fees, post a friend circle and so on, can also earn a fortune. It’s pretty good.
Training Seminar:
And as you become more influential, there will be organizations, businesses, groups that will ask you to go and talk to their members about how to buy insurance and things like that, right
The journey can be charged, the fee is by the hour or charge per session, not cheap.
Course Sales:
There are a number of Internet course platforms where you can give lectures and attract users to pay for them.
Paying Community:
Insurance as a very long-term and complex thing, many people are willing to pay. And if you
If 1,000 fans are willing to pay you 999 a year, your guaranteed income will be 990,000 a year. It’s very lucrative.
Iv. Conclusion:
Insurance is not a profession suitable for the general public. It is a profession that requires long-term investment. The longer you work in it, the stronger the compound interest effect will be.
Don’t join a traditional insurance brokerage company easily, because most people go to these insurance companies, basically to send heads (buy a bunch of insurance for themselves and their families and then leave), so this matter should be taken seriously, long-term persistence is valuable.
The above items are shared for reference only. The items are changing and the ideas are changing
The same
