The pros and cons of indirect insurance marketing hope to have specific answers.

First, the advantages and disadvantages of indirect marketing channels

Advantages: Expanding sales channels and expanding markets plays an important role in market share.

Disadvantages: Indirect marketers generally don't know much about all kinds of insurance. When recommending to customers, they often introduce the functions and benefits of insurance based on their own subjective imagination, but in fact there is no such high protection or benefits. Once a customer goes out of danger or can't get the benefits promised by the marketing staff at that time, it will leave a very bad influence on the customer, directly affecting a huge group, which is quite unfavorable to the development of our insurance industry.

Second, the advantages and disadvantages of direct selling channels

superiority

1. Be able to quickly understand the insurance demand of the insured and the changes in the insurance market.

2. It is conducive to establishing and maintaining a good social image of insurance companies.

3. It is conducive to reducing business expenses and distribution costs.

4. Strategies that are conducive to the implementation of low-price competition by insurance companies.

Disadvantaged

1. After all, the insurance company's own sales power is limited, and it only uses direct sales channels, which is not conducive to the sales market.

The expansion of the field.

2. In order to expand sales when adopting direct sales channels, insurance companies have to increase the number of internal employees, which will lead to

The negative consequences of overstaffed institutions have increased the cost of wages and benefits for employees.

How to choose channels for different products:

If the product price is low, the production must be sold in large quantities, so as to gradually reduce the marginal cost, thus obtaining profits and creating certain competitive advantages; If the price of the product is higher, the producer can sell it directly, because the higher the unit price of the product, the higher the profit of the product, so that the selling price of the unit product can offset the operating expenses of direct selling to a certain extent, and the product can still be profitable.

For high-tech products or products that need further technical services after sale, it is more reasonable to choose direct sales or short-channel marketing. Products such as computers and air conditioners have high technical content, and after-sales service is very important.

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