カテゴリー
FPノウハウ FP独立開業

ファイナンシャルプランナーが「ストアカ」というサービスを使ってみました。

ファイナンシャルプランナーとして独立すると集客は自分で行う必要があります。しかし多くの方がこの集客に苦戦します。集客さえできてしまえばあとはどうにでもなると言っても過言ではないくらいです。集客を行う上ではマーケティングの戦略がかかせません。多くのFPはマーケティングを学ぶことなく転職・独立するケースが多いのではないでしょうか?今回は少しでもクライアントの開拓に役に立てるように「ストアカ」というサービスをご紹介いたします。

ストアカとは

ストアカは、教えたい人と学びたい人をリアルにつなぐ、CtoCのまなびのマーケットです。
ビジネス・ITスキルから趣味の習い事まで、170以上のカテゴリーで楽しく学べる講座を30,000件以上掲載があります。
FPの方も個人レッスンやセミナーで登録しているサービスです。

ファイナンシャルプランナーと検索したら100件講座がヒットしました。

僕自身も以前、資格の学校で講師をしていた経験があります。何度かレッスンをしていると生徒は講師に対して親近感が湧いてくるので相談するケースが多いのです。僕のケースでは相談をしてきた生徒に対してアドバイスを行った結果、トータルのコンサルティング報酬が200万円を超えるビッククライアントになった経験があります。講師料の何十倍もの成果でした。こういった経験から講師と生徒は信頼関係を築きやすい事を実感しました。

2019年6月現在、登録生徒数320,000人、登録講師数20,000人を突破し、現在も利用者が増加しております。TVや新聞などにも取り上げられている、今話題のサービスです。FPとしては登録しておいて損はないサービスだと思います。



ファイナンシャルプランナーがストアカで講座を行う3つメリット

・30秒で完了するカンタン無料会員登録なのでコストがかかりません。
・お客様からレビューがもらえるので経験値を高められます。
・あらゆるカテゴリーの人気講座があるので、男女年代を問わず様々な層にアプローチができます。

お客様がストアカを使う3つのメリット

・普通は入会金、月謝がかかるような習い事(ヨガやピアノ、英会話)
であっても、ストアカなら1回数千円の受講料のみで受けられる
・1回から気軽に受けられる
・講師は全員ストアカの審査を通過しており、クオリティの高い講座が受けられる

講座売れた場合にコストがかかる成果報酬型サービス

登録・掲載料に関しては、初期費用や掲載費用は一切かかりません。すべての集客や教室管理機能が無料でお使い頂けます。
掲載された講座の開催が成立し、売上が発生した場合のみ、受講料から手数料が差し引かれます。自己集客かストアカ集客かによってレートが変わりますが、10%~20%販売金額から引かれます。

FPになるための学びの場もある!?

ストアカはお客さんを集客する為だけのツールではなく、ファイナンシャルプランナーとしてレベルアップの場として使う事が可能です。それはどういう事かといいますと、優秀な先輩FPさんたちがFPとしての稼ぎ方を教えてくれる講座も多数掲載されているのです。具体的にどのような事例があるかご紹介しますね。下記の講座は僕も尊敬しているFP会社「株式会社マネーライフプランニング」さんが若手FP限定で10年間蓄積したFPコンサルノウハウを伝授してくれるというものです。しかも、たったの2,000円ポッキリで。4回コースでコミコミ2,000円ですよ。10年間のノウハウが2,000円、、、、安すぎます。こんなお宝講座が他にもあったりするので、ストアカは侮れないですよね。

僕も早速講座を作ってみました

ファイナンシャルプランナーの転職・起業レッスンというタイトルで講座を作ってみました。作成は比較的簡単で15分ほどで完成しました。こんな感じです。


ストアカ

前田 晃介

ファイナンシャルプランナーの転職・起業レッスン

ご興味ある方は是非申し込んでみて下さい。全力で講義させて頂きます!!笑

まとめ

いかがでしたか?今回はストリートアカデミー株式会社が提供する「ストアカ」というサービスをご紹介いたしました。
FPとしては集客の経路は多いに越したことはありませんよね。是非いろんな集客の手段を活用してFP活動を充実させて頂ければと思います。「FPのなかま」はこれからも集客やコンサルノウハウなど役立つサービスを発見したらみなさんに共有していきたいと思います。皆さんの転職や起業のモチベーションアップに繋がれば幸いです。最後までお読みいただきありがとうございました。



カテゴリー
FP独立開業

What exactly is Mailbox Order New bride?

Considering the wonderful options for the purpose of International Wedding brides, on the net, in addition to mobile phone alternatives, you can response the question, “What is Submit Order Star of the event? inches The answer then is straightforward, is it doesn’t easiest way to possess a are now living partnership although currently being compensated to do so.

There are lots of males who experience countless requires that may get them to improper for relationship by using females from other countries. Unichip may not even do well looking adequate to attract females. If you are of such a sort of man or woman, consequently probably you should look for methods to meet your wants.

Pupils for a certain ladies available who also really love, absolutely adore, adore plus desire to check out overseas brides for action. They have a using up aspire to discover a person which they might rely on for the remainder of their particular lives. Internet is definitely the easiest way to find these people.

One particular good thing about aquiring a mailbox buy bride-to-be, is that you will have the main advantage of moving into one other youtube.com region concurrently. Lots of the ladies who will discover you will be since awesome, lovely and even incredible or if you have state’s woman. They shall be allowed to execute greater than you, and they will furthermore save the humiliation and troubles of actually finding a person who may healthy an individual inside.

If you search for a foreign lady, make sure to choose a nation wherever that they prefer to pay the vacations. They do this because these girls are generally unique beauties. You will find that these types of women will relish browsing a few portions of the globe in which their nations are extremely popular so would enjoy proceed. By doing this you are able to enhance your chances of an excellent marital life since they can be the particular 1 for her.

Some sort of -mail Purchase Star of the wedding differs from your Take pleasure in Connect in that , the relationship involving the a couple of would not conclusion if the funds will come. Instead, it can carry on until the time the fact that the the arrive. This kind of helps you00 reside jointly inside the very same nation and appreciating your vacation with the girl as well. Any time a mailbox purchase woman might be engaged, you will have really great chance to learn what a total marriage can be just like.

If you desire to expertise a brand new in addition to thrilling technique of developing a have a home in connection with a overseas better half, then determine what some great benefits of a Postal mail Order Bride are usually in addition to go for it. As soon as you do this, you’ll be the best man the woman ever imagined.

The Snail mail Buy Bride-to-be is probably not from one other country. The most important thing is that it have to satisfy your own requirements that you need to satisfy in the romantic relationship.

When you choose to uncover birdes-to-be via the internet, you will also find many choices being built. To have the nearly all satisfaction, you must pick a star of the event that will be pleased with an individual. It is significant that you don’t pick the first online bride-to-be you see.

You need to use the net to seek out an exclusive companion which you have chosen from the set of one of the most preferred applicants out of around the globe. These types of directories will be looked after by devoted ladies who are always searching for the ones special brides. Precisely what is Snail mail Purchase Star of the event?

From this article you can see, you are able to discover a international spouse in any portion of the world. Whatever you would like from the partner, it is easy to find one. All you need to carry out will be to really know what you wish via the woman, after which go on and get the excellent a person.

カテゴリー
FP独立開業

Making the most of the Silent Slope Game Over the internet

When you are attached to winning contests with mame ROMs, then you definitely should have realised the good features of employing this kind of system. This method have been utilized by lots of people everywhere which is responsible for a lot with their ideal arcade online games. Since time moves simply by, a lot of the fresh video games are available for playing on your own personal computer which means you may use mame emulator have fun in the same at no cost. It will be easy to experience various classic games game titles through the help of the several types of mame games which might be available.

One of the video games which you can discover on the web you will love playing may be the Quiet Hill Video game Web based. This video game is rather smartly designed which is based on the famous motion picture series through which there is a character known as Noiseless Hill. The sport comprises of two settings, which can be Games and Scenario mode. The latter video game is incredibly interesting as it allows you to go through the story line in the film.

The Silent Hill Video game Via the internet as well comes with the accessibility to online tournaments. Place be easily utilized throughout the in-game https://custom-roms.com/roms/mame/trogp-usa user interface, which allows you to like to perform either in game or report mode. Also you can use the Practice mode too. This mode is advantageous since it allows you to familiarize yourself with the several configurations in order that you will not deal with any difficulties when playing the game.

The initially phase that you must seem to comprehend is that your Muted Hillside Game Via the internet is available free of charge. Therefore , if you are interested in playing this video game, you should try to down load it from some of the free websites available online. When you need to do this kind of, you are going to be provided a great invite which needs to be accepted. Upon having completed this kind of, you’ll end up delivered to the household page in the site you choose to be able to get the Muted Hillside Video game On the net.

This particular sort of game was created by MMAME which is changes on the primary that originated by the organization MAME. Due to the fact that this internet site draws on the first, it includes a whole lot of advantages intended for the participant. It will be easy to conserve a lot of time, just like you won’t have to get virtually any software program or perhaps play any kind of game titles in order to access the sport. The data files that you just download will be saved inside your computer, this means you will not have to worry about stepping into virtually any complications when using the same.

The original MAME gives a large number of positive aspects to the individual. Because it incorporates so many online games which have been designed for the two new and outdated types from the game, you can take advantage of the various modalities that exist through the on-line software program. It is possible to savor playing the Private Mountain Video game Over the internet without the issue in any way.

Due to the fact that this is certainly a web adaptation from the video game, it will be possible to try out the several sorts of video game without any complications whatsoever. So , whether a starter or possibly a expert gamer, you will find playing the sport very easy. In fact , you can enjoy playing the video games without the inconvenience because there are couple of dangers active in the internet method. In this manner, you will be able have fun with the Quiet Hillside Game Online within a better method.

The Muted Hill Game On-line is one of the finest arcade games that you may discover online and it is certainly far more interesting than the primary. You are able to download the program very easily and commence playing similar in almost no time.

カテゴリー
FP独立開業

MailOrder Wedding brides Via Parts of asia

When folks seek a Cookware bride-to-be, many discover that Cookware girls will be hard to find as submit purchase wedding brides. It can be true which the with regard to Asian ladies is usually escalating, but the demand for Cookware males can be maximizing too.

Typically the separation and divorce level throughout Canada can be rising in addition to more German females that are looking for to have wedded hot mail order brides on bestsexybrides.com and get the The german language partner as compared to adult males. Typically the financial crisis throughout The european union made it even more complicated for all Eu men to find Cookware birdes-to-be because Cookware girls are actually tougher to look for inside European countries than in China based online stores and The japanese.

Since the China are less common in the United States as compared to they are simply in the various other Parts of asia, they are not as simple to find for instance a would like. To find a Cookware postal mail buy new bride from China, you have to look at Chinese suppliers on its own. Meaning gonna Chinese suppliers by itself or sending someone now there to meet the ladies that are available.

Almost all of the all mail buy brides supply by china manufacturer range from urban centers involving Hangzhou in addition to Shanghai in china. Sometimes of these go to the Far east cities regarding Guangzhou in addition to Shenzhen.

Foreign ship buy brides may also locate Asians in the Korea or perhaps To the south Korea. Typically the Philippines is very liked by the United states adult males who have been to Korea together with established itself now there. Both these locations currently have big Korean language organizations, nevertheless mainly because Koreans are certainly more metropolitan and therefore are far less vulnerable to stay in country areas, these are a reduced amount loved by those searching for the Hard anodized cookware partner.

In numerous with the countries inside Parts of asia which can be most common by using Us guys trying to find Cookware ladies, your mailbox buy birdes-to-be are from the urban centers, certainly not the agricultural locations. For example , it is easier to get Oriental females right from Singapore, than it is to find Asian women of all ages by portions of Burma. Needless to say there are many of various other international locations where demand for deliver purchase brides to be out of Japan is normally substantial, nonetheless you can find fewer of them.

One more that snail mail order wedding brides from Asia are less well-known in the us is the fact their age is not that well-known. The majority of the mailbox order wedding brides from Japan will be in between 25 and thirty-five. Typically the Oriental girls in the us usually do not tend to be for the reason that aged.

Usually the women that will your America using European partners to flee lower income, or become a member of the armed service, are just 16 years old, as well as for probably the most element Hard anodized cookware ladies are typically significantly young. You will find conditions, nevertheless , plus a handful of incredibly prosperous Asian ladies through Hk need gotten to the age of forty, however is not quite a few.

Typically the China all mail purchase wedding brides are usually inside their thirties in addition to forties, plus the men which have been in fact paying for these wedding brides have the choice involving investing in their particular honeymoon vacation which is not typically a challenge. When a selects to fund the particular vacation, that usually depends on the associated with the particular honeymoon, and also the volume of days that certain needs the particular honeymoon vacation to previous.

A lot of the Oriental ship buy brides that are able to have sex with international guys, could notify the particular Hard anodized cookware men likely by Hong Kong or Taiwan, but they are really through Vietnam or even Malaysia. Generally that is exclusively for demonstrate, if the particular man normally takes the time to explore the daughter prior to he or she chooses whether in order to marry the woman, he will probably study that will the woman with not merely fabulous, but features terrific manners.

It seems that the mail buy birdes-to-be by Most of asia are harder to find in america, compared to the deliver buy brides from the other Parts of asia. Nevertheless it can be done to get several genuinely delightful Cookware brides in Asia, and they also can be very cozy.

カテゴリー
FP独立開業

A First timers Guide to SONY PSP Games

PSP Online games Emulators and Nintendo wii a couple of ROMs are the the majority of well-liked possibilities today for those that include used their own Ps system. The benefit of using the SONY PSP to experiment with PlayStation game titles is the fact there exists a increased decision than with the Manufacturers DS, while there is actually a standard demand for DS Rom for downloading.

Emulators certainly are a computer system software that is certainly specifically made to look at the original cartridge that came considering the Nintendo wii and use it to operate another type of game. The PlayStation can be utilized just for both equally Cd and remembrance memory cards, plus the SONY PSP seems to have both equally. There are hundreds of emulators obtainable, some free of charge, several to get a small fee.

Work out enjoy your Playstation 3 or xbox game titles is usually to find the right Nintendo wii online games courses that can direct you through all the procedures instructed to perform them. A superb guidebook will highlight how to pick the appropriate SONY PSP games.

Simulator, just like Tony Hawks Pro Skater, or perhaps Truth Pump, are more comfortable with enable you to enjoy the first games within the PSP. These types of simulator are certainly simple and need no more components. Unlike Nintendo wii video games ROMs, they are portable and also staying more prevalent and better to get.

To get started the emulator simply unplug the PSP in the phone chrgr, plug in a UNIVERSAL SERIAL BUS cable connection into the SONY PSP, in that case fire up the sport as well as the vitality meter will be at the very top right area within the display screen. From this level the program will permit you to find the video game that you desire to enjoy. Once you have selected the appropriate video game you need to enter in the settings and set it to run.

In the event you personal an innovative PSP which has misplaced it could capability to play games therefore generally there is definitely an alternative readily available called PS2 Emulator. This is certainly just a dock to gain access to PS2 online games which can be suitable for any system. In theory you ought to be in a position to do the installation to a fresh PSP with no problems.

When you have mounted a PS2 emulator you need to arrange it being a menu. To do this you are going to first need to make sure you may have a Playstation 3 or xbox menu so the emulator can be located.

Upon having a Sony menu then simply all you need to do is introduce you to your PSX emulators https://custom-roms.com/roms/zx-spectrum/ag-piton-1987-aguev-e-16k-usa and cargo in the PSX range of motion you intend to enjoy. Very much like to experience PSP game titles, you can even make use of SONY PSP Game Emulators and PSP/PSN Game titles Manuals to obtain every one of the proper what you need to begin when using the video game you may have chosen.

カテゴリー
FP独立開業

How to Do a comparison of Email Buy Bride-to-be Rates

-mail order birdes-to-be are a few of the most preferred brides to be to the celebration and also this is really so due to highest quality and even competitive costs worth mentioning expertise. You will not get almost every other support that may provide you with exactly what a snail mail buy bride can, without the included charges regarding lifestyle in foreign countries and healthcare fees. Although there are some who have have these types of system, good results . benefit price, they are not well-known. So this content is going to spotlight some recommendations to cause you to invest in a email order bride-to-be and perform ideal of an foreign marriage without having to pay stupendous money.

Knowing find out how to navigate the online world together with review prices, you might have a right preference with the proper price. Of course , it is very important that you simply select the best you as you is going to be purchasing her alone, so it is essential that you just pick the right one. The agencies you choose need to give you offerings that could fulfill your requirements that you might want within a perfect match belonging to the star of the event as well as the groom.

Ensure that you are going to give a simlar amount just like you will certainly get married in the country where you want them to obtain your foreign relationship, since this is the most important factor for almost any service to work well. So make certain that https://dating-asian-women.org/korea/korean-wife/ your current agency provides the identical prices as the among the country that you will get married to throughout.

Be sure that your mailbox purchase new bride Japan possesses a realistic location too. Additionally, it is essential that you understand the treat from the provider which will be wedding and reception area. It may well end up being very good when the relationship firm gives you a temporary place of your stay while you go through the process to getting documented along.

You need to do not forget that if you were to be able to marry in your house region, you may have to cope with challenges associated with legal aspects. So it will be advised you meet a company which is near the location in which you are likely to possess your own foreignmarriage. Even if you will be hitched inside a international nation, it truly is nonetheless essential that you experience the foreign relationship.

The particular foreign product involving -mail buy star of the wedding The japanese is additionally open to brides who will be considering all their dream to have a international matrimony. However some organizations will give you a large amount of offerings, you will need to be choosy. The businesses that offer this kind of program have the ability to adjust in line with the demands on the birdes-to-be.

A few of the mailbox purchase star of the wedding businesses will also give you products for the bridesmaids and even groomsmen at the same time. This can be valuable unless you have sufficient people to pick a person when you obtain betrothed foreign.

As you can see, your decision will depend on how much money you might be able to expend and what expert services you are searching for inside a international marital life. It is important that you choose the one which gives you the proper expert services with the right selling price. You should select a submit purchase bride-to-be agency that is certainly well-established and contains successful its reliability plus status.

カテゴリー
FP独立開業

Deliver Buy Star of the wedding help Finding A Wife By Out of doors Your current Nation

Marriage has turned into a whole lot less complicated through the years, while using the associated with the net. Matrimony internet websites such as eHarmony own helped plenty of people find all their soul mate. As a possible single women, here is exactly the instructions to take advantage of the great chances offered by internet matchmaking offerings. You will do ought to retain a number of points in mind though during your search for a husband or wife via these websites.

Foreign brides to be can be a dime several. If you don’t that you will have no clue just where to begin. You might like to begin by taking a look at community reports experiences or perhaps well-known dating discussion boards to find out what their local ladies in your area are trying to find. If there is one thing the world wide web has turned less complicated it is actually discovering whoms looking for a committed person.

Just before having a plunge in addition to affixing your signature to program any kind of paid dating service, examine what exactly Eharmony offers. Many people opt to be part of their own places dress professional help to allow them to filter out unnecessary suits. This might be the best strategy, but it really could also make you endeavoring to sort through limitless single profiles that don’t seem proper. Eharmony can sort through hundreds of could information and supplies a full criminal court records search of every particular person. Usually, you will find the right fit.

A number of marital relationship web-sites, such as Craigslist, will also deliver neighborhood dating services at no cost. Whilst these sites remain popular, they are not by far the most trusted approach to locate a loved one. Almost all of the women who employ Your local craigslist ads to discover a spouse don’t perhaps attempt to make a romantic relationship operate. These people merely get some sort of lonesome targeted visitor for their residence.

Make certain you in no way discuss your email consideration or some kind of different sensitive information. Should this kind of you might finally end up confronting a lawsuit. Doing all of your fantasy primary can help you prevent this unnecessary chance.

May hand out any economic information. Some give cost-free trials involving products or services, in order to special info try out his or her customer care. Understand that you are searching for the best discount, and so don’t uncover too much personal information until you usually are sure that you want to get committed.

Once you have came across an online site which is best for you, the next phase is to observe certain requirements to get foreign wedding brides. Many of these internet sites demand a good upfront put in ahead of they will perhaps look at obtaining your app significantly. This means you’ll need to develop a fortune just before your best time.

When looking for a ship buy star of the wedding, you ought to know that you have various ripoffs available. You can find bogus user profiles, e-mails from useless individuals, and a lot more. Seek for a reputable dating service it does not require a big initial investment decision to acheive started.

When all the requirements seem to be straight forward, make sure to steer clear of users of which submission the social security number. While lots of people love to keep an eye on some others and also this information can be practical, you do not have to produce it unless you really are a “mail purchase star of the wedding. ” Due to find out as you may need this later on.

May faith single profiles of which request credit cards amount. Assuming you have a legitimate bill this can be done at most of the major internet vendors and ought to be a little more than very happy to offer you one. These websites likewise provide a even more realistic photo of your respective potential life partner.

Understand that the world wide web detective is always seeing. You can find a lot of single profiles which are true, somebody there are a lot of all of them. Have a small patience and be patient, you’be married in no time.

With any luck , these tips were useful to an individual as you start looking to have an foreign matrimony websites. Research before you buy, locate a very good provider, and also have entertaining. You’re going to be glad you do.

カテゴリー
FP独立開業

Learn how to Do a comparison of All mail Purchase Star of the event Prices

Mailbox purchase birdes-to-be are some of the most accepted wedding brides for your occasion and also this is really as a result of best quality together with decent rates of the products and services. You do not locate almost every other provider that could offer you how postal mail buy woman could, without the additional expenses regarding residing overseas in addition to medical fees. However are some who have do have this kind of support, good results . the high price, they may not be well-known. And this article could highlight some tips to make you go for a postal mail order bride-to-be in addition to match ideal of any foreign matrimony without paying crazy funds.

Once you discover ways to find the way the internet and evaluate prices, you will get an appropriate selection with the proper price tag. Naturally , it is significant you select the right a person since you will probably be spending money on the girl alone, so it is critical you pick the right one. The particular companies that you pick need to supply you with companies that can suit your needs that you want in the perfect diamond necklace of this woman as well as the bridegroom.

Ensure that you are likely to fork out the same amount as if you will marry near your vicinity where you want them to possess your current overseas marital relationship, mainly because this is the the very first thing for just about any service to work nicely. Consequently make certain your current company supplies the identical costs being the among the region that you will get married to throughout.

Make sure your mailbox buy star of the wedding Japan includes a actual area at the same time. Additionally it is essential that you know the treat within the company which will be wedding and reception spot. May well end up being great if the marriage agency provides you with a brief host to your time here as you have the process of obtaining signed up with him or her.

You need to do not forget that in the event that you where in order to get married to in your home nation, you could have to handle difficulties associated with legal aspects. It is therefore recommended you pick a company that is definitely close to the place in which you are going to have got your own foreignmarriage. Even though you will be betrothed in a foreign country, its continue to essential that you delight in the foreign matrimony.

The particular international program regarding mail purchase bride-to-be The japanese is usually designed for brides that happen to be interested in their aspire to have got a international marital life. Although some organizations provide you with a wide range of solutions, you need to end up being choosy. The firms offering this specific service plan are able to adjust based on the requirements for the brides to be.

A few of the mailbox order woman agencies may even give you products for the bridesmaids in addition to groomsmen as well. It is helpful unless you have enough visitors to choose an individual whenever you have betrothed offshore.

From this article you can see, your option depends on how much money you happen to be prepared to invest and exactly what expert services you are searching for in a international matrimony. It is vital that you select one that gives you the appropriate solutions www.brideschoice.net/single-women/asian on the right value. You must choose a email purchase woman company that is certainly well-established and it has proved their reliability plus reputation.

カテゴリー
FP独立開業

FPが語る生命保険業界の闇

FP活動をする上で、切っても切り離せない生命保険業界。
今回はその生命保険業界の闇についてお伝え出来ればと思います。

[box05 title=”こんな人に読んで欲しい”]・保険業界に興味のある方
・保険業界に入られたばかりの方
・保険営業からFPに転職を考えている方[/box05]

★生命保険業界はこんな業界

保険営業の人数は直販(〇〇生命という名刺で活動している保険営業を指す語)だけで約23万人。
大勢の営業が日々活動に勤しんでいます。
業界内では「信号の数よりも多い」なんていう表現が良く使われます。

人の入れ替わりが激しく、業界内でブランド力のある某P社でも2年内離職率が6割超、全体で見れば8割ほどの人が辞めていく厳しい業界です。
また、完全歩合で青天井の給与体系も大きな特徴です。
この言葉に惹かれて転職を決めた方もいらっしゃるのではないでしょうか?
その謳い文句通りの給与体系にも拘らず大勢の人が食えずに人知れず業界を去っていく……
今回は何故こんな入れ替わりの激しい業界なのか?に焦点を当ててお話出来ればと思います。


1、所長職

まず、未経験の営業が活躍出来るようになるのに大きなウェイトを占めるのが営業教育。
なのでその営業教育を担っている(とされている)所長職についてお話します。

皆さんは、保険営業を採用する所長またはマネージャーがどのような仕組みでその地位に就いたのか、どのような雇用形態なのかご存知でしょうか?

一部例外もありますが、基本的に所長は元保険営業です。
保険営業で、所長になりたいものが手を挙げます。

・規定の人数を採用できたか?
・規定の営業成績を挙げられたか?

以上2点で評価され、条件を満たしていれば晴れて所長職へとなれる仕組みです。
つまり営業としての実力は判定されるものの、教育能力はほぼ関係ありません。

ポイント1:所長になるのに教育能力は関係ない

次に雇用形態についてです。勿論、部下がどれだけ保険契約を挙げたかによって貰える給与も変わります。
しかし、会社から求められる数字、いわゆるクビになるノルマは採用人数に対して課されますし、何人採用したかを重視した給与体系の会社も見受けられます。

ポイント2:所長職も採用ノルマを持った、ただのフランチャイズである

所長は「〇〇生命」という看板を借りて、採用業を行う個人事業主です。
常に採用ノルマに追われおり、それによって採用された営業マンの契約してきた保険料が保険会社への上納金となるわけです。
つまるところ、保険業界というのはビジネスモデル上、営業教育の体制が全く整っていない業界、という事になります。
ただでさえ高度な営業力を求められるというのにそれでは、入れ替わりが激しくなるのも仕方がありません。

2、何故このような体制が改善されないのか?

何故このような体制がずっと続いているのでしょう?
それはその給与体系に秘密があります。

最初はわずかながら固定給もつく事ですし、その分を回収しなければ会社は赤字になりますから、
私は「ちゃんと営業教育をして皆が数字を挙げられるような仕組みにしたほうが良いよね。そっちのが会社も儲かるんだから!」と思っていました。

ですが、後述の仕組みを利用した上で、統計上絶対に損をしないよう給与体系が組まれているのです。

3、孤児契約

前述の保険会社が損をしない仕組みを支えているのが、”孤児契約”です。
これが何か説明しますと、保険契約で、保険会社側の担当がいなくなった契約をこう表現します。

保険契約というのは、一部の商品を除き、継続手数料が数年に渡り担当営業に支払われ続けるのですが、もし担当営業が途中で会社を辞めてしまったら、その手数料はどうなるでしょうか?
なんと一切支払う必要がなくなるのです!
つまり保険会社にとってその契約は最も利益率の高い保険契約となります。

多くの人が去っていく保険業界ですが、辞める前、苦しくなった保険営業がやる事は大抵身内契約や、いわゆるお願い契約です。なので、全ての保険営業に対して、最低限ある程度の契約は見込めます。

また、私は保険営業をされている方が大好きなのですが、素敵な想いや、志を持ってこの仕事に取り組まれている方が多く、続けるのが大変な状況になっても少しでも長くこの仕事を続けようと頑張られる方が多いです。
ただ、無理というのは続かないので最終的に辞めざるを得なくなるのですが……
結果として孤児契約が、保険会社にとってのドル箱契約が、残されるわけです。

4、まとめ

結局のところ、残念ながら、自社の収益を優先し、多くの保険営業の犠牲の上に成り立つビジネスモデルを構築しているのが生命保険会社の現状であると言えます。

ではどうすれば良いの?そこから抜け出すための手がかりが欲しい、という方。
現在、この業界の現状を何とか変えていくために「FPのなかま」は、様々な取り組みをしております。
お力になりますので是非一度ご相談にいらして下さい。最後までお読みいただき有難うございました!


カテゴリー
FP独立開業

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