Insurance agent annuity commission

Over the years, insurance agents have played an important role in the development of contemporary insurance industry in China. The agent system is the core of China insurance marketing system, and its position is hard to shake. According to statistics, from 1980 to 1998, China ranks 8th.

Insurance business is brought by insurance agents. However, in recent years, with the development of China's insurance industry, various modern and advanced marketing methods have been gradually adopted by insurance companies, and there is a growing trend. In addition, the disadvantages of the insurance agent system are prominent, and insurance agents are challenged as never before. Some people even exclaimed: "Insurance agents will be eliminated by the market!" The challenge to insurance agents mainly comes from three aspects:

One: the emergence of insurance brokers. Recently, the first three insurance brokerage companies in China, namely Beijing Jiang Tai, Shanghai Dongda and Guangzhou Great Wall, have been listed for business, and a new force has emerged in the insurance intermediary market in China. At the same time, the first and second national insurance broker qualification examinations were held in six major cities in China. At present, nearly 500 people have passed the exam and obtained certificates, and the ranks of insurance brokers have been growing. As the insurance professional consultant of the insured, the insurance broker will, based on the interests of the insured,

To provide intermediary services for the insured to conclude insurance contracts with insurance companies. Because of the high professional level of insurance brokers, and to safeguard the interests of the insured as their own responsibility, to improve insurance activities for the purpose. It is conceivable that this new insurance marketing method will be welcomed by the vast number of policyholders.

The second is the deepening of bank agency business. Insurance agency business, a kind of banking business, has become a craze in recent years. Internationally, whether in developed countries such as the United States and Germany or developing countries such as Latin America, the cooperation between banks and insurance companies is unprecedentedly active. In China, insurance companies such as China Life Insurance, PICC, Ping An and Pacific also cooperate with commercial banks such as ICBC, BOC, CCB and ABC in insurance agency business. Commercial banks have the unique advantages of huge marketing network, simple agency procedures and low agency cost in insurance agency business, so this modern marketing method is increasingly favored by insurance companies.

Third, the rise of e-commerce. First, a number of insurance knowledge websites were established, and then the birth of online insurance policies.

Recently, even insurance agents have set up their own websites. With the popularization of network technology and the entry of foreign insurance companies into China market, e-commerce as a new marketing method has been highly valued. Compared with other insurance marketing methods, e-commerce has the advantages of simplicity, quickness and accuracy. More importantly, it can make the insurance industry closely linked with modern high technology, which is of great significance to the innovation of insurance marketing methods. As a traditional insurance marketing method, the insurance agent system is facing great challenges, so will the insurance agent really be eliminated by the market? In fact, despite the challenges faced by insurance agents,

However, as an army of insurance intermediary market, insurance agents can still play an important role in the development of insurance industry. First of all,

The insurance agent system has a long history, and its familiarity with the characteristics of insurance business and its development law is beyond the reach of other ways; Secondly, insurance agents and brokers represent the interests of policyholders and insurers, which is necessary for insurers. Thirdly, compared with banks and e-commerce, insurance agents have strong initiative in insurance agency business and high familiarity with insurance types.

Fourth, in life insurance, especially personal life insurance, compared with brokers, the commission of insurance agents is lower and more easily accepted by policyholders. Finally, from the perspective of insurance markets around the world, the role of insurance agents is still very prominent. Like beauty, France,

In Italy and other countries, the business volume of agents still accounts for more than 40% of the total business volume, and even more than 80% in Japan. Visible,

Insurance agent is still very useful in the insurance market, and the insurance agent system will still be one of the important insurance marketing methods. However, it should be pointed out that in today's increasingly modern and professional insurance marketing methods, some insurance agents with poor professional quality and low service level will be eliminated by the market. Therefore, insurance agents must be fully aware of the existence of threats, actively forge ahead, constantly enrich and improve themselves, in order to be invincible in the fierce competition.

Now is the best time to develop the insurance industry. How can we make the insurance industry bigger and stronger? Mankind faces various challenges.

At the same time, there are also a lot of opportunities to follow:

one

Losses caused by natural disasters. China is a country with frequent geological disasters, and the direct agricultural losses amount to 654.38+0.4 billion. In America,

The ratio of compensation and loss caused by natural disasters is 1:5, and that of China is 1: 100.

two

Man-made major accidents occur frequently. Air crashes, coal mine accidents, fireworks, natural gas and other incidents occur from time to time.

three

The occurrence of diseases and epidemics.

four

The population is aging. In 2020 16% people are over 60 years old, and 7% people are over 65 years old. The demand for old-age care now.

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five

The improvement of people's living standards. At present, Japanese people have 4-5 policies per capita, while China has less than 1 policy per capita. The insurance density and depth have great room for development.

six

The demand of enterprise annuity. The current market potential demand is 1 trillion, 4.57 trillion in the next five years and 8 trillion in the future.

seven

The consumption structure has changed. After China's per capita GDP exceeds $65,438+0,000, people's communication, tourism, medical care and transportation will be greatly improved.

The awareness of sports and other aspects has increased, and the awareness of insurance has also increased accordingly.

Although there are still many irregularities in the insurance industry in China, there is no doubt about the career prospects of insurance agents. Compared with developed countries, China's insurance industry is still in its infancy, and people's insurance awareness is not strong. Insurance agents in the United States

The manager has four customers; Japan's insurance industry is relatively developed, 10 insurance agents serve one customer, and the competition is fierce. The domestic insurance industry has developed for 20 years. As far as Beijing is concerned, the insurance coverage rate is only 3%, and the number of people each insurance agent can get is 2700. Even if we only develop one customer every day and 360 customers a year, 89 years is enough, and there is a lot of room for development.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.