After the Spring Festival, the recruitment season, known as the "Golden Three, Silver and Four", is coming as scheduled, and both fresh graduates and elderly people looking for new opportunities in the workplace hope to have a good start after the year.
However, in the age of information** Internet, real recruitment and fake routines are often mixed together, which is difficult to prevent.
In particular, some seemingly easy, high-return short-term projects are often cloaked in temptation and hidden mysteries.
Among these fake recruitments, insurance attendance** is particularly common.
In order to rapidly expand their business, some insurance companies use the guise of "giving money to attend lectures" to solicit people for training and "filling people's heads". Some young people who are not deeply involved, or migrant workers with a weak sense of prevention, accidentally fall into the trap, and even become employees of insurance companies without knowing the situation.
These insurance companies tend to work closely with job search agencies and headhunters to give them monetary rewards based on the number of people interviewed and hired. In order to obtain commissions, some unscrupulous intermediaries and headhunters do not hesitate to use various means to defraud job seekers and insurance companies.
This issue of Micro Stories will focus on the experiences of these job seekers who have fallen into the trap of insurance lectures.
Some of them are keenly pierced because of their high vigilance and stop losses in time; There are also people who are simple-minded, accidentally fall into the "trap", and only get out of the "clutches" ...... after going through all kinds of "tribulations".
Here's the real story about them:
Recently, Xiao Min, a senior student, saw an exciting short-term job opportunity in a recruitment: a Fortune 500 company recruits short-term clerks, only needs to work for three and a half days, labor services are 750 yuan, and the work content is simple and clear - sorting out documents.
For a student who is still in school, such work content and remuneration are attractive. According to *** provided online, Xiaomin got in touch with the recruiter, and the other party only asked her age and education, and informed her that she could go to "work".
Figure |The job posting that Xiao Min saw.
However,After arriving at the scene at the agreed time and place, Xiao Min found out that she had been deceived.
It turned out that this clerk position was fictitious, and the so-called sorting out information was actually to participate in the training of newcomers in the insurance companyListen to the class for three and a half days and give a reward of 750 yuan
But in order to get the 750 yuan, it is not as simple as attending classes, Xiaomin must go through the entry procedures, get the work number, and become a member of the insurance company.
This kind of deception made Xiao Min feel very angry. She opened WeChat and reasoned with the person who recruited her at the time, and asked him why he lied to people, but she didn't expect that the other party had already pulled her to the blacklist first.
On various social platforms, posts and notes about participating in insurance company training, part-time lectures and being deceived are not uncommon.
Figure |Many part-time job listings will directly indicate "insurance attendance full".
Xiao Qiao, a college student, shared her experience of participating in the training of an insurance company on Zhihu.
During the holidays, Xiao Qiao saw a part-time post on the Internet about listening to lectures to earn "extra money", which claimed that as long as he participated in a three-day training of an insurance company, he could get a salary of 300 yuan. Little Joe signed up and attended the class for three days as required.
I thought that she could get paid by simply filling the field, but the truth was far more complicated than she thought.
On the first day of class, Xiao Qiao was required to register the app of the insurance company's xx school, and was also required to upload ID card and graduation certificate information.
Figure |A certain "student" posted a lecture in the classroom.
Xiao Qiao, who had no sense of defense, did it one by one. But when she finished class on the third day and received her payment, the other party asked her to register the insurance company's work number and open a new bank card, otherwise she would not be paid.
In order to get the "salary", Xiao Qiao had to complete all the steps as required, but in the end, the insurance company only gave her 260 yuan, on the grounds that she was under the age of 22 and could not give the full amount according to the company's regulations. The bank card in Xiao Qiao's name was also taken away by the staff of the insurance company and was not handed over to her.
After realizing that he was deceived, Xiao Qiao negotiated with the insurance company many times, asking to cancel the work number and return the bank card, but the other party prevaricated and shirked for various reasons.
Although he experienced some twists and turns, Xiao Qiao was lucky and did not cause much loss. According to insiders, some unscrupulous insurance practitioners will even use the identity information and bank card information of newcomers to apply for online loans. You can then use these loans to buy insurance policies to enrich your performance.
Searching for keywords such as "insurance companies pay for lectures" and "insurance company training fills" on the Internet, you can find many cases similar to Xiao Qiao and Xiao Min's experience, and these cases cover almost all mainstream insurance companies in the market.
This not only exposes the loopholes in the recruitment and training mechanisms of insurance companies, but also further damages the image of the already controversial insurance industry.
Regarding the chaos criticized by the insurance industry, Leng Shan, who has worked in insurance companies for nearly ten years, said that she was helpless. In Leng Shan's view, performance pressure and distorted incentive mechanism are important reasons for the existence of the above phenomenon
"Most of the insurance industry does not have a basic salary, and social security and provident fund also need to be paid by themselves. If you want to make money, in addition to signing more insurance policies, there is a more effective way, which is to pull people's heads, which is also called increasing staff in the industry. ”
The so-called pulling people is to constantly recruit new people and expand their sales force. Every time a newcomer comes in, the person who recruits him can get a newcomer recommendation award, as for the specific amount, the regulations of each insurance company are different, generally thousands of yuan. The more you add, the more you earn.
In addition, once the newcomer signs the order, the recruiter can also get the corresponding proportion of the commission, and this commission is a "lifelong system", whoever recruits the person can enjoy the performance dividend of the recruiter indefinitely, unless he resigns.
This kind of dividend system is similar to the "pyramid" structure of the MLM world, at the top is the first to join or have the most subordinates, and the latecomer will never have the opportunity to surpass his recruiter, no matter how strong his ability and how good his performance is, he will never have the opportunity to become the superior of the person who recruited him. As long as he has output, his recruiters have income.
Take Leng Shan's company as an exampleFor each newcomer recruited, she can get 15 40% of the newcomer's performance commission. Leng Shan is currently the team leader, with more than 100 insurance ** people under him.
In her team, Leng Shan is the one at the top of the tower, and of these more than 100 people, no matter which one signs the order, she has a lot of commissions to mention.
Mr. Zhao, a newcomer who has just entered the insurance industry for a year, has calculated an account. In 2023, his annual income will be more than 1.3 million yuan, and his supervisor will receive about 600,000 yuan in additional income from him alone.
In insurance companies, the more "new" the subordinates, the higher the percentage of commission received by their "superiors", and the highest commission ratio can be close to half.
Finding out the doorway, Mr. Zhao saidIn the next year, he will take "attracting new people" as a top priority, as long as he recruits enough people, he will not worry about not having more income.
Mr. Zhao is not the only one who is aware of this, but anyone who works in an insurance company knows this well. It is for this reasonMany insurance people don't even pay attention to sales performance, but instead do team management, expanding the team without a bottom line. In this way, even if he doesn't sign the bill, there are people who make money for him.
In this context, it is not surprising that there is a big "head-pulling".
part 03
Insurance intermediaries and headhunters work together to make "tempting pies".
Due to well-known reasons, it is not new for insurance companies to have difficulty recruiting and retaining people.
According to Mr. Ou, an executive of a well-known insurance company with more than 20 years of experience in the insurance industry, he revealedAt present, the retention rate of new employees in the domestic insurance industry is generally low, around 20%.Even for better-performing companies, the proportion rarely exceeds 50%.
In order to alleviate this dilemma, many insurance companies choose to cooperate with intermediaries and headhunters to recruit people by paying commissions.
It is undeniable that cooperation with intermediaries and headhunters provides a fast and effective recruitment channel for insurance companies, but at the same time, it also brings some negative problems.
According to Leng Shan, some insurance companies pay headhunters commissions based on the number of interviews rather than the number of hires.
In order to attract job seekers, headhunters often hide the real name and job information of the insurance company, and only emphasize the opportunities of Fortune 500 companies, with a high-end office environment and high income, so that job seekers have expectations for the position and go to the interview.
Some small intermediaries use lectures and training as bait to let job seekers act as the "heads" of insurance companies, as is the case with the experiences of several college students at the beginning of this article.
There is a kind of headhunting company that specializes in serving insurance companies, and now it has formed a complete industrial chain. In order to get a commission, they cheated both sides, telling the interviewer to let them go to a large company to do management, and telling the employer that they had already talked to the candidate and knew to interview the insurance person. Leng Shan said.
Because she often publishes relevant information about the insurance industry on the short ** platform, some intermediaries or headhunters find Leng Shan and ask her if she has a recruitment demand, but Leng Shan has never cooperated with her:
They are really passionate about their work, and I believe that they will definitely be able to recruit more people, but I don't approve of recruiting people by means that are not in the flow. Once the trust is broken, it will be over, and no one will believe it. But it is not excluded that some people know that they were deceived or moths to the fire and stay. ”
However, there are only a few who remain. Although it is true that a lot of people will be recruited through intermediaries and headhunters, this is based on a huge interview base as the denominator.
"The entry ratio is very low, about 50 100:1, interview 50 people, and it would be good to have one onboarder. ”Leng Shan said.
Originally, the insurance system was very simple and upright, but it has been damaged by some intermediaries and bad practitioners over the years. There are similar intermediaries overseas, but they earn consulting fees and are not responsible for selling products, and domestic intermediaries are sales channels for small insurance companies. ”
Mr. Ou also expressed deep concern about the current state of the insurance industry: "The insurance industry is inherently a highly specialized field, which requires practitioners to have professional knowledge in insurance, finance, medicine, law and other aspects.
However, the current large-scale increase in staff and the expansion model that is prevalent in the industry have undoubtedly lowered the entry threshold of the industry, resulting in uneven quality of employees.
If this trend continues for a long time, it will not only damage the company's reputation, but also be detrimental to the sustainable development of the entire industry. ”
With the popularity of the Internet, recruitment traps are also emerging. These traps often lure job seekers into falling into them with easy money.
In addition to lectures and training in the insurance industry, there are also seemingly simple tasks such as recruiting hourly workers at the end of the day, using personal ID cards to open accounts with **companies, registering various APPs and **.
Behind these tasks is often the risk of misuse of the candidate's personal information.
Someone posted on Xiaohongshu that because of participating in the so-called full-time job, he inexplicably became a "legal person" of a certain company, and was issued an invoice of more than 300,000 yuan, until the tax department contacted him and learned about it.
In addition, there are also people who use other people's information to carry out online fraud in the name of recruiting customer service, asking people to register some dating friends with their real names** or help them unblock.
There are so many kinds of traps that you can't guard against. Therefore, job seekers should always be vigilant when looking for a job and carefully screen the authenticity of job postings.
At the same time, it is also necessary to strengthen the awareness of self-protection and do not easily disclose personal information to avoid unnecessary trouble.