Internet insurance will replace the traditional insurance industry?

I think it will

1, the advantage of artificial in reducing

For ordinary users, it is more difficult to need sales intervention in two main pieces, one is the choice of insurance category, the second is the requirements of the Jianzhao.

Now Alipay out of the gold selection of products and ants to protect the heart with, although not mature, but the goal is to solve the problem of category selection.

Then the intelligent health report to solve the problem of health information

2, the cost of Internet insurance is lower, more advantageous in the long run

Offline insurance, sales need to open up sources of customers, looking for customers to chat face to face, as well as their own draws and wages. Compared to online, just pay the platform some commission.

On the other hand, Alipay and WeChat, as large platforms with massive amounts of data, will provide a certain degree of wind control capabilities to filter out some risky users and reduce the claims expenditure of the insurance company.

The lower cost is ultimately reflected in the price, the more cost-effective products naturally have an advantage.

3, the Internet platform information is transparent and open, more in line with the user's demands

Offline agents or brokers can sell the product is limited, and some people in order to commission, may take the initiative to recommend cost-effective products, in the long run, will reduce the reputation of agents and brokers.

The Internet platform is the pursuit of overall profits, the pursuit of word of mouth to provide users with cost-effective products, thin margins, artificial interference in the content is less, and the interests of the user is more consistent.