1. What is Internet insurance?
Compared with most people, agents are still the usual insurance channels. According to statistics, by the end of 20 17, the number of insurance agents has exceeded 8 million, which is also an important embodiment of the prosperity of China's traditional insurance industry. With the development of Internet technology, there are more and more ways of online insurance.
Especially since 20 16, emerging insurance companies such as Hongkang Life Insurance, Centennial Life Insurance and Zhongan Insurance have scrambled to disrupt the internet insurance market and launched many innovative insurance products, which have injected new vitality into China's insurance industry.
Second, the difference between Internet insurance and traditional insurance
1, characteristics of offline insurance
A strong sense of trust:
Offline sales are mostly insurance recommended by familiar agents, and interpersonal relationships are attached with feelings of trust. Especially for some large transactions, talking face to face with a special person makes customers feel more at ease.
The quality of employees is uneven:
The entry barrier of insurance industry is low, the quality of team members is mixed, and misleading sales sometimes occur. It is not easy to find a truly professional agent.
Fewer product choices:
Take critical illness insurance as an example. In recent years, the critical illness insurance of offline channels is basically a life-long savings type of critical illness insurance, and there are few product choices.
2. The characteristics of online insurance:
Product selection is diverse:
Internet information is relatively transparent, and insurance companies often have to work hard on products to seize the market. Internet sales have saved a lot of operating costs. Usually, the best products are sold online.
Insurance is convenient and quick:
Compared with offline insurance, online insurance can save manpower and material resources, and it is convenient and fast to handle insurance, surrender and claim settlement, and the whole process can be completed online without going to the branch in person.
The insured should have certain insurance knowledge:
Online insurance has no special guidance, so it has certain expectations for the actual needs of consumers and certain requirements for information interpretation ability.
Third, summary.
Generally speaking, Internet insurance has advantages and disadvantages, but the advantages will be more obvious, because it depends on individuals. As long as you have a clear understanding of insurance knowledge and your own needs, it is not difficult to find a suitable type of insurance in Internet insurance.
I hope this answer can help you ~
Source: Nanba Daily