A Day In a Japanese Fishing Village

  Being in the insurance industry is definitely one of the most profitable industries!

   This kind of insurance is definitely only profitable, but if you want to be in the insurance industry, you must have a good reputation, a large reputation, and a huge capital chain, investment projects, and so on.

   Insurance is not something every entrepreneur can do!

   Even if you have money, you can’t do it. For example, if you set up an insurance company, if no one is willing to buy your family’s insurance, your company will be a waste. Therefore, many insurance companies are actually linked to banks or supported by the state.

   This is also the reason why Minano Shuichi never dared to touch it before, and only now dares to do this.

  There are many types of insurance, the most common is the business scope including auto insurance, life insurance, health insurance, accident insurance and other personal insurance business. The deeper level is the integration of financial insurance, banking, investment and other financial services, close and diversified comprehensive financial services.

   Now Minano Shuuichi plans to do car insurance first, because he thinks that he will definitely hit the street with other types of insurance now!

   But doing car insurance is different. First of all, he now has a large number of car customers, and at the same time, when new cars are sold, a large number of new customers will be added. As long as these customers buy car insurance from his Nanye Insurance Company at his 4S shop, then there is no need to worry about not having customers.

   "I will do auto insurance first, and wait for the popularity and reputation of my insurance company to improve before operating life insurance, health insurance, accident insurance and other personal insurance businesses." Minami Hideyoshi had thought of this plan for a long time.

   His Nanye Insurance Company is also tied to Nanye Bank, which will bring a lot of business and funds to the bank.

  Opening an insurance company will have a large amount of deposits once the business has grown. At that time, he will have a lot of funds to invest in his company, expand the company or invest in other industries.

   He knows very well that the biggest income of insurance companies lies in investment. Investing the insurance premiums raised by the public is the main profit of insurance companies. In addition, there are insurance funds. In the case where the income is greater than the expenditure, the insurance premium of the difference is the most direct income of the company.

   Of course, there are three main money-making projects for insurance companies! They are: interest spread, fee spread, and death spread.

1. The interest rate spread, in layman's terms, is the money earned by insurance companies using money for various investments, such as investing in large-scale projects, as well as inter-bank lending. You can borrow from other banks and insurance institutions. and many more

  2, fee difference. In layman's terms, it is the money saved by the company in the entire operation. If the company budgeted to operate 100 million yuan this year, but only used 80 million yuan, then the cost difference would be 20 million yuan.

  3, death difference. When insurance companies set insurance rates, there is a mortality rate like death insurance. If the actual mortality rate is around 1.3%, then 3% may be referenced when setting the rate, and the extra money is a death penalty!

   The above is the source of profit for insurance companies!

   This is also the horror of insurance companies making money.

   For example, several consortia in island countries are doing insurance, and they are doing very well. Minano Shuichi wants a piece of the pie now. If he hadn't had a car company as a point of contact, it would have been very difficult for him to enter and do this industry.

   Now, the time is ripe for him to do this.

   One month passed quickly.

  From this month onwards, all customers who buy cars in Nanye Auto 4S store must purchase car insurance provided by Nanye Insurance Company in our store.

   For this thing, those customers do not have much resistance. First of all, they don't buy here, and they have to buy car insurance from other insurance companies when they go out.

There are currently so many auto insurance items: compulsory traffic insurance, vehicle damage insurance, third-party insurance, vehicle liability insurance, theft and rescue, excluding deductible special insurance, spontaneous combustion loss insurance, separate glass breakage insurance, scratch insurance and other ten items .

   Minami Shuuichi has decided that if he buys a car with a loan, he must buy full insurance, that is, ten items. If you buy a car in full, you can choose the key car insurance to buy it, and you don't need to buy all of it.

   Anyway, Minami Shuuichi is now a customer who has taken out loans to buy cars!

  Unless you don’t buy Nanye Automobile, with the current reputation of Nanye Automobile, many people are willing to buy even if these two things are introduced.

   At the same time, this policy has also begun to be implemented on the US imperial side! If you want to do it, do it in a unified way, and enter the US imperial insurance market by the way.

   "This time I'll take a share of the insurance car insurance. I guess those insurance companies in the island country will be very jealous, haha..." Nanye Xiuyi laughed cheaply. However, the car was his own, and the other party had no choice but to watch him eat this piece of cake.

   On this day, Kase came to a Minami 4S shop in Tokyo early. It is true that he came to buy a car today. He wants to buy a crown!

"Mr. Kase, you are here, please come in quickly." The sales consultant was very happy when he saw Kase. This person has been here to see the car these days. Based on his sales experience, he felt that the other party must be interested in buying a car. . Otherwise, check the car for a few days to understand the situation.

   "After looking at the car for a few days, I decided to buy a high-end crown car today!" Kase didn't bother to talk to the other party, but said directly.

   "Really? That's great! I don't know whether you choose to buy a car with full payment or a loan?" The sales consultant asked happily.

   "Let's take a loan, help me figure out how much it will cost and the related procedures." Kase said.

   "willing to serve you!"

   Soon the sales consultant explained to him the 30% down payment fee, handling fee, loan handling fee and so on.

Finally, the sales consultant said: "Mr. Kase, this is the case. At present, our company cooperates with Nanye Insurance Company, which is also a company under our group. Therefore, if you buy a car, you must purchase car insurance in our store. This car insurance is still full. ."

   "Is that so? Can't I choose to be outside?" Kase asked.

   "It's all the same, and the price you buy outside is the same. If you buy here, we can help you in one-stop, so you don't need to run back and forth."

   "So, can I only buy part of the car insurance, not all of it?"

   "No, if you buy a car with a loan, you must buy it in full. If you buy a car in full, you can choose..."

   "Okay~"

   After some enlightenment, Kase agreed to buy car insurance here.