What are the investment channels of insurance companies?

What are the investment channels of insurance companies?

There are many investment channels for insurance. In life, you can invest in insurance through the following six channels: agent channel, bank insurance channel, group insurance channel, brokerage agency channel, telephone sales channel and internet insurance.

First, the agency channel.

The agent channel is what we contact most, that is, the insurance salesman in the traditional impression. From 65438 to 0992, AIA introduced the life insurance marketing system into Shanghai, which revolutionized our traditional domestic sales methods and played a very important role in the domestic insurance reform.

Advantages: There is no doubt that the agent is the person closest to the customer. Because of the high degree of personalization of insurance, agents need to explain complex products such as critical illness insurance and annuity insurance. This is the biggest advantage of the agent, and it is also an irreplaceable advantage.

Disadvantages: Due to the low employment threshold and fierce competition, the ranks are mixed. Many employees are of low quality. In order to complete sales, it is inevitable that sales are misleading, which is why people used to have the impression that insurance is deceptive.

Second, the bank insurance channels

China people have a natural trust in banks. As one of the financial troika (banks, securities and insurance), it is normal for insurance to be sold through banks. After 2000, the bancassurance channel began to exert its strength. At one time, the income of bancassurance channel of some insurance companies exceeded 50%, exceeding the agent channel. Very good results have been achieved.

Advantages: bancassurance products are simple and clear, with clear income, convenient insurance and slightly lower rates.

Disadvantages: The products are mainly dividend insurance, universal insurance and investment-linked insurance. The complexity of these products can't be explained clearly in the short-term communication of bank counters, and they are easily misled, and relevant reports are common.

Third, the group insurance channel.

Group insurance is generally a product that the company collectively insures for employees, mainly in the form of employee welfare, and has contacted many friends. The company provides group commercial insurance.

Advantages: Generally, it is free or low cost for employees. Mainly the company insures employees at one time, and a policy can cover thousands of people.

Disadvantages: Group insurance is mainly the welfare of the company. The biggest risk is to leave, then this benefit will be gone. With the good benefits provided by the company, it is easy to have a paralyzed mentality, so I missed a good opportunity to buy insurance.

Fourth, the brokerage agency channel.

For example, insurance companies concentrate on developing products with obvious competitiveness, and product sales are handed over to other professional channels. Channels here refer to insurance brokerage companies and insurance agencies.

Advantages: according to the basic situation of customers, from the user's point of view, we can choose the most suitable products in the market and recommend them to customers. Traditional agents are limited by our products, and their objectivity and impartiality are limited to a certain extent.

Disadvantages: At present, insurance brokers have not been known by most users, and they are in the cultivation stage of the market.

Verb (abbreviation of verb) telemarketing channel

Advantages: You can reach customers conveniently and quickly without meeting each other.

Disadvantages: Most electric sales products are not cost-effective. In order to reduce the pressure of payment, it is generally paid on a monthly basis, which is quite confusing. This kind of insurance is not recommended. After all, insurance is still a long-term decision-making process.

Intransitive verb internet insurance

The essence of buying insurance is to buy a contract. Because there is no inventory pressure, insurance is naturally a product suitable for online sales. In recent years, Internet insurance has experienced explosive growth. Not only have various insurance companies developed many super cost-effective products, but many sales channels have also customized many cost-effective products.

Advantages: Internet insurance understands users better and the website user experience is better. Moreover, due to online direct selling, the cost of agency and sales is saved, and the price can be particularly advantageous.

Disadvantages: At present, online insurance is mainly based on one-year consumption. Because long-term insurance is more complicated, agents still need one-on-one service.