If u lazy just ask customer service to deal with it. Haha.

For PCE(Pre-contract Examination) and CEILLI(Certificate Examination In Investment-linked Life Insurance) amounting to RM90+RM85=RM175. Normally OTS will only take PCE as they are not selling investment link medical card. That's the reason Azurika said less than RM100. But in normal agency, it will cost more than RM100 because of CEILLI exam.

It's your responsibility to help the client for the claims as they entrusted you when they bought your service at first place. Agent's wealth are not accumulate from first year premium but more on renewal premium, when your client(policyholder) pay renewal premium from their credit card, you will get commission without effort, but you get commission, no?

Well, if you want to earn a living in insurance line, you cannot put commission as your priority. You have to put responsibility and client's priority at first place and then the commission will come eventually along. Else you can't even survive in this career as your prospect only see your eyes are full of dollar sign.

This post has been edited by ExpZero: Dec 2 2013, 03:25 PM

This post has been edited by JohnL77: Dec 2 2013, 02:05 PM

Ask you simple logic.
Insurance agent take no basic, not tied to the agency. Why should I the boss, sponcer you to take an exam? You are not going to guarantee me any customer. Further more, you can take this license to another agency You ensure me that you can close 2 huge deals (Anual >20k), come I sponcer you Banks thou are different ya.

EXPzero has anwsered most of the questions in a profesional matter

nujikabane,

"you can take this license to another agency" is the keyword. Hahaha.

Just like how companies expect you to get your own degree. If we are talking about further enhancing your skills (CPD) after you have proven yourself, that can be considered, but sure got strings attached.

This post has been edited by JohnL77: Dec 2 2013, 02:31 PM

+1 for both of you

Try to emulate roystevenung, he seems to be honest and he gives straightforward answers.

https://forum.lowyat.net/topic/3037939

This post has been edited by JohnL77: Dec 2 2013, 04:05 PM

Really lost faith on insurance agent..
For my case, I switched my service agent bcoz the old 1 is 'resign' and so the same day i sign the transfer letter, my new agent propose me a better plan, I ask few times is that consider as upgrading and any change to my old policy but she just pusing me and didt really answer my question until I agree for the 'upgrading'

But after I got my new policy I only found out that actually it was a new policy and my old policy is still running by deducted my cash value (she cancelled my auto debit, so I didt realize at first) No wonder she told me after 1 year then I only can get back my cash for the surrender policy, to cover the new policy waiting period i guess.

In the same time, she asking me to join her agency. I actually have a very good impression on her for the 1st meet but now... I understand people are work for money.

Just sharing for me case.

You should take it up with Bank Negara or something.

So that's how they hit MDRT every year. They go back and ask their previous customer to "upgrade"?

This post has been edited by JohnL77: Dec 5 2013, 06:08 PM

Hello nujikabane, I am an insurance agent and it all depends on how good you are with dealing with people. You are to be very discipline and plan your own schedule everyday. No basic and it's all commission based. It's very similar to MLM pyramid schemes as one needs to do personal sales as well as recruitment. Upon balancing both, you can enjoy both a commission and also overiding, meaning a percentage of your sub-ordinates.

A good insurance agent will teach you how to cut cost, maximize your funds , and tell you what are the bad parts of the policy before juicing you up with all the new gizmos. If the first 5-10 mins they already ask you to upgrate or buy more, you know they are not listen, but selling

Ohh dear, those OTS people love to use financial planner. I was being approach a few times and all no "shui chun".

They love to hang out in mount kiara, damansara uptown and Danansara Perdana area. Regretted for wasting my time listening to them

how and where to become part time insurance agent ?

Hi Nujikabane,

Do you want to be an insurance agent? I'm sure you like to meet a lot of people with different characters. This is quite challenging, but you can get experiences and high salary. You can manage your time and places because you can be your own boss. Have a look at this industry. Like this page by clicking the link below to know more. Don't be shy, talk to them! Have a nice day!

https://www.facebook.com/serve.lead.empower...345689188796975

This post has been edited by iseeman474: Apr 11 2014, 05:18 PM

Being an insurance agent is a hard work. Bill Cosby said, "In order to succeed, your desire for success should be greater than your fear of failure". Well no wonder success is not an easy work. For those who still looking for a job, I suggest you to look at this industry. They are recruitment company. You will get experiences and high salary. Like this page by clicking the link below to know more. Don't be shy, talk to them!

https://www.facebook.com/serve.lead.empower...345689188796975

If you're very self motivated person, then you can succeed as an insurance/unit trust/real estate/MLM sales person.

l these jobs don't have basic salary and you need to be very persistent in doing your work everyday even though a lot of people will reject you. If you're easily depressed or easily discouraged, don't even try it because it can be very demotivating to face rejections daily.

Being hardworking alone won't take you far in this career. You need to know what's your motivation to do it and be strong. Remember also that when people rejected your sales pitch, don't take it personally. Sometimes it is only because they are not ready /scared to commit to another long-term payment. (esply insurance)

Hi Nujikabane,

I believe that people who work as an insurance agent got high salary. They can be their own boss since most of the time they work individually, so its all depends on their performance. I have a friend who work in insurance. Hope this may help you. Like this page by clicking the link below to know more. Don't be shy, talk to them!

https://www.facebook.com/serve.lead.empower...345689188796975

i wonder can join as part- time insurance agent ? usually what will be the sales target ? if don't hit will get expel and commission for subsequence year gone ?

This post has been edited by Cutieweiyi: Aug 25 2014, 09:17 PM

You can, but you have to go solo, i work on your own. Usually if you join agency, you have to commit to work full-time, for a foreseeable future.
Just my 2 cents.

I am recruiting!
And I welcome part-time agents too!

Part time agents are also required to take the same exams though.


Would you be free on September 24? I would like to invite you to come and get to know the company better and then decide if AIA has the right corporate culture that you would like to be part of it!
In fact, everyone here who understands Mandarin is welcomed!

For those who prefer Bahasa Malaysia, please mark the date September 17!

Sept 17 & 24 @ Menara AIA
7pm - registration & refreshment
7:45 - opening & company profile
8:15 - speaker session
9pm - end

You can book your seats through me!
No worries, it is free but seats are limited though!

This post has been edited by JIUHWEI: Sep 2 2014, 08:04 PM