Insurance Dealer (Business) Operation series (vi) Insurance product Chapter

Many http://www.aliyun.com/zixun/aggregation/6173.html "> Insurance companies will be electronic commerce as a supplement to the company's sales channels, and give the name of the net; in traditional channels (people direct, Agent, etc.) and the new channel (electric sales, store sale, net distribution) under the layout, are generally sold the same insurance products, the target users are not separated, insurance products are not separated; This is again back to the traditional channels without differentiation in the price war. So, most of the small and medium-sized insurance companies, the traditional channel loss, net sales more loss of money; The form is greater than the essence, forget the essence of business is to make money, but can not find a solution, blindly expand the scale, expand channels, the continuation of the vicious circle, just to speed up the loss and the speed

As mentioned in the previous "Electric Business Strategy chapter", the target users of the electric business and the traditional offline channel users are not the same, the user is different, the demand is different, insurance products should certainly be different from the traditional channels, and also need to have the characteristics of the Internet E-commerce platform, to better meet the "net sales" user needs.

The essence of the electric business is to satisfy the user's demand for goods or services, and the essence of the underwriter is embodied in the insurance products and services sold. The insurance product of the underwriter must be consistent with the insurance demand of the target users of the electric business platform, rather than the online extension of the traditional offline channel products.

Insurance product development, planning, design and operation for the target users of online insurance platform is the core of the underwriter. For example, we have developed 15 online insurance products, including portfolio packages, for target users of the electric business platform, and are responsible for the operation of insurance products, regular testing, analysis and adjustment.

And this is just the first step, I think the underwriter, more should be in the two-phase planning, fully tap the target users online insurance products and services, other needs, in the insurance products continue to innovate, such as the Virtual property (game account, game equipment, game virtual assets, etc.), network transactions for the credit insurance, freight express insurance and so on.

Therefore, the traditional insurance net electric business, the prospect is bright, but the road is arduous, how many companies can go through so many barriers? Company strategy, electric business strategy, STP, brand, marketing, insurance claims after-sales service, the company it information, electric business platform of professional planning, electrical products innovation and development, as well as the professional operation of the electric business platform.