IBM商业白皮书-随需应变，创造保险业价值.pdfVIP

IBM Business Consulting Services Insurance value creation in a new on demand world deeper An IBM Institute for Business Value executive brief /bcs The IBM Institute for Business Value develops fact-based strategic insights for senior business executives around critical industry-specific and cross-industry issues. Clients in the Institute’s member forums benefit from access to in-depth consulting studies, interaction among a community of peers and dialogue with IBM business consultants. This executive brief is based on an in-depth study created by the IBM Institute for Business Value. This research is a part of an ongoing commitment by IBM Business Consulting Services to provide analysis and viewpoints that help companies realize business value. You may contact the authors or send an e-mail to iibv@ for more information. Contents Insurance value creation in a new on demand world 1 Insurance value creation in a Imagine a world in which: new on demand world 2 On demand vision • An insurance company defines its risk appetite, adjusts the profile dynamically and communicates the changes to its agents and brokers as an ever changing target 8 On demand and value creation market definition while simultaneously adjusting reinsurance arrangements . . . AIG 16 On demand migration paths does this with Domestic Brokerage Group (DBG) capacity today1 18 Getting started • An insurer’s entire book of business is focused on and segmented by narrow 20 Appendix customer segments, specific risk types and various channel strategies in order 20 About the authors to maximize customer lifetime value and address competitive issues in seconds 20 About IBM Business