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10一次成功的险种开发（10 a successful insurance development）.doc

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10一次成功的险种开发（10 a successful insurance development）

10一次成功的险种开发（10 a successful insurance development） A successful insurance development Guangdong / Hao Wei In October 23, 1999, China Ping An insurance company took the lead in introducing safe Century Investment Linked Insurance in Shanghai market. The operation will be insured, insurance is divided into two part of security and investment, the insured to pay annual premiums, a small part is for personal insurance, the rest into a special investment account, invested by the companys investment department. After deducting a certain proportion of management fees, the investment income is all owned by the clients, and has both the functions of guarantee and investment. Within 11 million 240 thousand months after the introduction of the product, it accepted 2450 insurance policies, achieving premium income of RMB yuan, a strong market response, good sales performance, greatly exceeding expected performance. At present, Ping An insurance company has this product in more than 20 cities nationwide promotion. What is the success of this product? 1. design concept: keep an eye on the market and pursue win-win situation Traditional domestic life insurance products are savings products, and are closely related to bank interest rates, and insurance companies bear the risk of interest spread losses. As Chinas continuous reduction in bank interest rates in recent years, accelerated savings type insurance eliminated, the introduction of investment protection or insurance type is inevitable. From the market situation, since July 1, 1999 to protect type insurance instead of investment type insurance, the insurance companys sales performance plummeted. In Guangzhou, Ping An Life Insurance Companys sales have only been in the past 30% months for the past few months. Some companies have posted a 80% drop in sales. That protection type insurance alone does not accord with Chinese peoples income level and multi-level insurance demand diversified requirements, with consumer finance and in