Ive been approached by countless female agents which will would include their body in the package they are selling you. You just need to ask the right questions, for example "why should I buy from you, there are so many other agents out there". They all come from different company. Its very easy to tell the difference between these kind of agents, and the more "legit" type after meeting a few of them.

Actually I'm curious why would someone sell their body for sales, it's not that insurance commission is so lucrative. Unless you are buying with premium up to twenty thousand. If for the mere few thousand premium, I don't see the reason, they can earn more by directly become prostitute...

No doubt they can earn more if they become a prostitute. But as prostitute, they need to service all walks of life, including the undesirable ones, not unless she is a "high class" prostitute calling her own shots with the right to reject customers.

An insurance agent desperate to meet sales target for a particular month/period would not mind providing the special service if:

- that particular insurance deal is make or break. if the customer signs on, she meet sales target. if customer does not sign, she does not meet sales target
- the customer is someone decent and clean, good looking, someone she would have a one night stand with, even if it is not relating to an insurance deal
- the customer is buying a decent coverage with potential for more business in the future

But again, I must say this is not common and only a desperate insurance agent would agree to such requests.

We are talking about between 2-4k min per month deals yo which is 1 year 24k minimum ? If i not mistaken, investment plans commision is about 25% 1st year ? Forgot the numbers for this d.
You can get the younger or junior ones quite easily for a much lower cost
Common la, easy logic. Girl need money to buy their LV/Prada, eat good food, drive big car, or worse cannot hit quota. They are desperate to be in the luxury line, shame to be poor. You be the Alpha male in the conversation, if she needs it, she will swing your way What other awnser she can give you when you ask her "Why should I buy from you? All agent promise same thing"

Dont need PM geh, got Mount Kiara or Dutamas pup area, leave your car key on the table and start fishing. They do hang out there to prey on man. Was approach several times that way.

You can search for HLA legendary fubu, Christine if i recall name correctly, late 30's , drive a white CLK. She only deals with the rich and is very easy to get under her skirt. She is married by the way.



This post has been edited by Azurika: Nov 29 2013, 01:50 PM

Insurance is a long term commitment, what if the client refuse to pay after 2nd month? She needs to "service" every month? What if got 100 clients doing that? Unless s*x is her hobby, else I think she rather live a mediocre life Not to mention some disease have to take into account as well.

Without a proper education given to the client about the importance of insurance, client will tend to lapse the policy as he sees no point to continue it or he sees the "advantage" has over. (unless continuity of "service" is given)

My car key attract only ikan bilis Oh, go clubbing also got a lot of girl give free service without any charges. I think if there is such agent exist, they treated s*x as their hobby like those SYT(Sweet Young Thing) in clubbing. It's like a win-win situation for them.

I have once asked a client of mine which is a "small boss" the reason he bought from me but not those SYT. He told me that insurance is a long term commitment, and when shits happen, he want a reliable person to help him instead of these SYT. If he really want s*x, he can afford to pay for it.

I would estimate that only about 20% of agents do well enough to call it a career. The others either don't make anything, barely anything at all or only make enough as a side income. So those who do well could be making RM8000/month or more. This 20/80 ratio is common believe in sales line.

This post has been edited by JohnL77: Nov 29 2013, 02:39 PM

Hmm.....
80% x 700,000,000 = RM560,000,000
20% x 16,000 = 3,200

RM560,000,000/3,200 = RM175,000/year. Sounds logic

Haha, it's just an estimate that some sales people like to quote.

It's 20/80 and then 20/80 again. The top 20% make most of the money, and the top 20% of that 20% make the most.

80% x 560,000,000 = 448,000,000
448,000,000/640 = 700,000/year.

The other 80% of of the top 20% make

112,000,000/2560 = 43560/year.

From my experience in the industry, that looks like a good estimate. I said the top 20% make enough to call it a career, that means enough to survive.

OP, if you want to read horror story about insurance industry go here:

https://forum.lowyat.net/index.php?showtopic=1997916&hl=

and here

https://forum.lowyat.net/index.php?showtopic=2114919&hl=

The skill to spread your legs , troll lol lol lol lol



Hmm, 20% is a high margine. Doing it full time and surviving i believe is way lower then that.

Hahaha, once join will know. Go see client dress like from call girl agency, haha.


That's my point, most of the people doing insurance are doing badly. Those who can survive, make 2000-5000 and drive wira. I don't think it is impossible Michael Tan makes 700,000 a year, maybe even more.

Proof that the 20/80 and further 20/80 estimate is not far from the truth.

This post has been edited by JohnL77: Nov 29 2013, 03:55 PM

If you got the money, every year when time to pay premiums, you can ask her "why should I pay?" Hahaha.

ExpZero suggested a very good technique. Sleep with the agent, buy the policy, within the trial period, cancel the policy and get back your money.

Do you know how bullshit the "investment" they want you to buy is? Do you know the way they sell it to you is unethical and you can complain to Bank Negara? They like to sell endowment policies as "savings plan" because most people when hear "insurance" will run away. They show you beat around the bush method of calculating return and tell you crazy return percentages but if you actually look at the plan, you will know the return is very low only.

When they look at you, they only see commission and hitting target. When they hit target, they get to go for luxurious PAID FOR vacations. You want to fund their vacation and BMW monthly installment, be my guess.

Disclaimer: Not saying all agents are like that. But next time you meet a "financial planner", check their name on CFP or RFP website. Wrongly using the title "financial planner" is illegal and you can complain to Bank Negara. If you hear them introduce themselves as "Wealth Advisor" you know is bullshit already. Run away.

The industry is upside down. You want to sell endowment policy with fat commission, you only need to take exam as easy as undang2 exam for driving license. Just memorize the past question and answers can pass already. For this exam, you don't have to learn anything about finance or contracts.

You want to gain the knowledge to fully analyze your client's financials and advice accordingly, you need to sit for more exams. But then what will you do? Charge professional fee? Why not just sell them endowment with fat commission? So far I haven't met any fee only financial planner in Malaysia except for that guy who writes for The Star.

Financial Planner shouldn't be like that. The problem is they misuse the title.

You want to make it big really fast, just kill your conscience and change your phone number every few years so your cheated customers cannot call you. Any problem let customer service department deal with it.



This post has been edited by JohnL77: Nov 29 2013, 11:05 PM

Cool down John, I understand your frustration in OTS.

I do see a very healthy competition in between Great Eastern, Prudential and AIA. That kind of business model/strategic you mentioned are not long lasting as the client did not understand the real objective of getting insured and tend to lapse after several months/years.

PS:


Rest assure xinken, there are always bad apple in every industry, just that how you look at them.

Recent, there are also Doctor who punished for having sex with clients, http://www.abc.net.au/news/2013-11-28/doct...edicare/5122894. Canberra doctor had sex with clients during consultation, http://www.canberratimes.com.au/act-news/c...1128-2yc7z.html or Thailand stewardess and pilot performing sex in plane and prosecuted when the image leaked. If you still remember, 2 years back leaked the Korean model sex scandal where it involved with a lot of high profile actress/singer. But that doesn't mean that every of the doctor/stewardess/pilot/actress are doing that on operation/consultation/flight. Even you are not sure your boss relationship with your female colleague which are promoting in a very fast pace There are always bad apple in each industry and it depends on how you look at it, the most important is you are not the bad apple.

Insurance agent is only a job, a career, a business. It depends on how you treat your own career. There are several ways to manage it including ordinary personal insurance, retirement planning, business insurance, will writing, income replacement, employee benefit etc...

Hahaha, I know you didn't suggest that, but it is because of what you said that inspired me to think up that idea.

I've seen some some agents here who might be ethical (Including you?). Need to keep track of you guys in case anything happen to my father's friend (he's one of the more ethical ones).

Luckily CFP website got list of certified members. So please please please anyone reading this, use that website to check the next time you meet a "financial planner".

Moral of the story, don't follow OTS.

This post has been edited by JohnL77: Nov 29 2013, 08:13 PM

What's OTS ?

Try reading this: https://forum.lowyat.net/index.php?showtopi...7916&hl=johnl77

This: https://forum.lowyat.net/index.php?showtopic=2114919&hl=ots

Their website: http://www.ots.com.my/index.htm

MLM boss:


They like to show off their car with 126 number plate:


Basically it's a group of HLA agents all under Michael Tan, and his brothers Alex and Desmond.

This post has been edited by JohnL77: Nov 29 2013, 10:49 PM