|
China's life insurance group insurance is an important part of the cause , this constitutes life coach two wheels in one. Both in developed and rapidly developing China , group insurance are broad prospects for development. Group insurance to groups of policyholders , with multiple members with a risk covered by the policy , which has cost economies of scale - insurance , low cost, easy to manage , can partially eliminate adverse selection and so on. China's life insurance company's current group insurance business is in a transition period , which is in transition from non- qualified plan ( ie, the current life insurance company group insurance business ) to a qualified plan ( standardized enterprise annuity ) transition. This paper analyzes the development of group insurance business during this period of the external environment changes and challenges , to seek to accelerate growth and achieve new breakthroughs in group insurance of the road . Since the country recover from the insurance business , group insurance business insurance business has been the most important component. In this paper, the development of our group insurance business history , this paper introduces the Chinese group insurance market development status, specifically pointed out that in recent years , with the rapid development of individual life insurance business , group insurance business relative atrophy. This paper systematically analyzes each of the main reasons for the company's business policy adjustments, but the main thing is to adapt traditional business due to changing market demands , embodied in : a clear concept of group insurance , product type single , customized in terms not adapt to the development needs of the group insurance business , the rate is not flexible enough , not very professional group insurance distribution channels and so on . This paper argues that , in order to improve the group insurance market , as soon as possible to clarify the concept of group insurance , experience rating for large enterprises , integrated group insurance marketing channels. Through the experience of developed countries, the introduction of group insurance business , this paper discusses the system of group insurance model of development. Finally, for the current stage of group insurance business , we proposed the development of appropriate recommendations .
|