Category: Insurance tips Release Date: 2006-08-01
Last year in August, Miss Wang, the Beijing Municipal Industrial and Commercial Bank of China in preparation for a sum of 50,000 yuan due bankbook banked the counter lady suggested that she might try to put the money to buy an insurance company dividend insurance benefits than the non-Dan savings and high, and do not pay interest tax. Miss Wang listened to her proposal. Earlier this year, she received the insurance company sent details of a dividend, earnings really higher than the savings.
Following the group insurance and individual market, the bank insurance as a new type of insurance sales practices are being more and more acceptance.
The first appeared in this new field by the Ping An Insurance launched in 1997, but due to the prevailing market conditions, immature, did not receive attention until 2000, Ping An launched the "Millennium Red" Banks products will be gradually developed . Today, the domestic life insurance companies have their own several large banks in insurance products, such as the Pacific Insurance Company's "dividends", Xinhua Life Insurance, the "auspicious surplus", China Life's "tai" and so on.
August 18 this year, Ping An Insurance Beijing branch is the "Millennium Red" Hot 2 anniversary. Two years, the product's total sales of up to 80 million customers as more than 400,000 people. In the first half of this year, a safe and bank sales of insurance products is as high as 12 billion yuan, accounting for the company's total premium of 16%, an increase of 210%. Even the end of the newly established Pacific Life Insurance Company introduced "peace Goodrich" and "Tai Ping Ying World" two bank insurance products also achieved in the first half premium income of 182 million, accounting for 62% of total revenue.
Bank insurance products by why so many policy holders in a short time to like? First, the current situation, the banks sold products are far better than ordinary dividend bank savings interest rates high, and there is additional insurance coverage, such as the Pacific Insurance Company a one-year "happy home finance," risk capital rate of return of 2.25 years, %, and also contributed for 25 million customers home and property insurance. Secondly, with a life insurance salesmen's words, "If we could spend between 2 million to policyholders to buy insurance, they may think we are lying to their money, but changed banks, they may even come up with more the money. "Clearly, the Chinese people have a deep-rooted trust in the bank.
Some people attributed the success of the bank insurance policy holders, banks and insurance companies "win." First Bank of the huge network of resources will enable bank customers are familiar with outlets to enjoy a variety of financial products and services; to the banks, bank-insurance cooperation is not only to increase the bank's intermediate business income, more importantly, by providing customers with full range of diversified integrated financial services, while making their own marketing capabilities can be improved. For insurance companies, more importantly, working closely with the banks to establish a strategic alliance to jointly develop customer resource, after all, customer is the most valuable asset.
But the banks sell insurance, after all, pieces of new things, the initial stages of development there are many shortcomings. First of all, compared with clear understanding of the terms of insurance insurance marketers in mind, bank savings, the lack of professional staff, they had only received short-term and relatively shallow insurance training, some of the specific details of the insurance products are not fully aware of the specific question of policy holders together, they are very difficult to answer it, and they do not provide after-sales service. Ping An Insurance Company, another bonus product "Hung Lee," also sold well, but because there is a rebate for three years, the need for after-sales service marketing staff, so it can not be seen in the counter; Secondly, the general to said that insurance companies sell insurance have a certain amount of service costs, an amount of profits generated from insurance products, if it is sold through banks will no doubt profit from the policy holders as part of re-separation of; In addition, in order to facilitate the sale, the banks sold profit-sharing bonuses to sell insurance products than the product is relatively simple, the product scope of protection is also relatively small.
In other countries, the insurance companies selling insurance through banks the main sales channels in Europe, about 40% of the premiums from the banks and insurance. The difference is mostly due to mixed operations abroad, banks and insurance are generally initiated by the banks first, through the provision of insurance products to its retail customers to enter the insurance industry. In order to obtain the trust of consumers, most products are sold by insurance professionals.
