保险核保（Insurance underwriting）.docVIP

保险核保（Insurance underwriting） Preferential pension insurance for secondary health applicants has become a new and more competitive means for some insurance companies in the European and American insurance markets. An insurance company provides an exceptional price annuity for a non healthy person or a sub insured person. It can gain a clear competitive advantage and expand the amount and scale of the insurance companys business. With the improvement of peoples living standards, commercial pension insurance is increasingly being taken into consideration. Commercial pension insurance is a special form of annuity insurance, that is, from the young began to pay premiums periodically, from the age of the contract began to continue, regularly receive annuity life insurance. So far, the old-age insurance in our country is mainly group endowment insurance, and the proportion of personal commercial pension insurance is very low. Moreover, some companies believe that as long as the endowment insurance set higher prices will Hanlaobaoshou, so pension insurance underwriting is not so important, so strict degree of endowment insurance underwriting is the lowest of all insurance products. However, this is no longer suitable for todays market situation. Now, China has two professional pension companies, and more companies are applying, and life insurance companies are also operating pension insurance business. Therefore, with the increase of the competition, the competition is becoming more and more fierce. Therefore, only relying on higher policy prices to ensure that the companys pension insurance business profits have been unrealistic. The endowment insurance underwriting is not strict, at present our countrys endowment insurance market exists the following problems: 1., high product prices. The price of insurance products is calculated on the basis of a certain actuarial basis, and the pension insurance is no exception. Because underwriting is very relaxed, in order to avoid lo