The insurance agent's way of working has entered the "E Era"

Abstract: In Shanghai, an insurance company in the business, the original should go out to run customers or open business seminars time, seven or eight of insurance agents are kept in the computer side brush screen and other customers. It is understood that the so-called brush screen and other customers, is the insurance product search website to provide

Shanghai, an insurance company in the business, should have gone out "run customers" or open business seminars, seven or eight of insurance agents are kept in the computer side brush screen and other customers.

It is understood that the so-called brush screen and other customers, is the insurance product search website everyone to provide a network function, that is, let the insurance consumers voluntarily submit on the Internet to buy what kind of insurance needs, generate a purchase intention orders, by Paude according to their company products, service areas and capabilities, free to receive orders and consumers to negotiate. The whole matchmaking process is done on the Internet.

"Now they are heavily reliant on the internet and can't do any other work." The head of the agent's team said. Such a "passive" approach is diametrically opposed to the traditional insurance agent's proactive approach, or it will change the agent's working habits.

Everyone Bao Network chief operating officer Liu Xiaosen said: "We used to use the allocation mechanism, but also like the planned economy, the results found that the error is relatively large, consumer demand and Paude ability does not necessarily match, and ultimately lead to consumer dissatisfaction with the results." Therefore, the free matching mechanism of more market-oriented color is introduced. According to the company's June survey, consumer satisfaction increased by 27%.

The internet has been involved in the traditional financial industry for a long time, but the impact and change has become a reality. In these years of development, the insurance agent's working method has entered the "E-era".

The "E Age" of the agent

"Some of our agents set up their own personal finance studio on the Web." This allows customers to more clearly the recent company's flagship products, knowledge of insurance and so on. "An agent of a large insurance company, the head of the group, said to this newspaper.

The main content of insurance agent's personal webpage comes from the content support of insurance company system. "In recent years, the insurance company's system has undergone tremendous changes, so that the agent's working methods have made great changes." Said the head of the team.

According to his introduction, now many agents work the first thing is to open the computer, because the network system can help agents to complete the pre-sale of all the work links, through intelligent command, clear guidance agent team to complete the pre-sale of the invitation, visit, promote and many other activities.

In the discussion of insurance business, the agent with a laptop or hand-held a tablet computer, or even only need a mobile phone can be directly through the Internet to complete the process of signing and charging premiums, to change the past for a single business "toss" The situation of many days.

At the same time, the way the agent and the old customer contact from the past simple use of telephone contact, into more with the help of micro-blog, micro-letter and other Internet social platform. "Almost every agent has its own microblog, micro-credit account, to contact customers, or to release some knowledge of insurance, to narrow the distance with customers." Said the head of the team.

Although the internet has brought about a shift in the way of work for the agent, how to translate it more into "productivity" is a problem for every insurance agent.

"The current use of the Internet for our agents is mainly for the convenience of work and customer support, the real ability to generate new insurance requirements through the Internet and into the final policy is very low." If you are able to sign 10 policies in one months, it would be nice if you could have 1 orders from our personal Web site or some other websites. "says a senior life insurance agent.

The rise and challenge of Internet channel

The Internet for insurance companies, not just bring the insurance agent to change the work, more importantly, the Internet for insurance companies to open up a "blue sea" channel.

"For insurance companies, the traditional channels such as insurance and bank insurance are close to saturation," he said. A risk to increase the marketing staff, retention difficulties, and the bank insurance channel by the New Deal continued to suppress, and the rising of the ' banking department ' insurance companies squeeze. Therefore, the demand for insurance companies to develop new channels is urgent, and the network because of its convenience and technology to become an insurance company's channel ' new favorite ' is understandable. "A senior insurance industry analyst told our correspondent.

Earlier last month, Xinhua insurance announced plans to spend 100 million yuan to set up e-commerce companies, before this, the Chinese Tai Bao and China Taiping also set up their own electric business company. And China's Ping An is joining hands with Alibaba, Tencent set up the public security online property insurance company.

In addition to the insurance company's own "site", more and more small and medium-sized insurance companies have chosen to cooperate with the third party's electric platform, Taobao, Tencent Tenpay platform, Suning easy to buy, a number of electric business platform "Cross-border" to join the insurance situation. and 3 days sales of 100 million yuan premium "performance myth" also makes some small and medium-sized insurance companies to internet insurance.

However, in the Internet insurance "scenery Unlimited" behind, there are some problems. With the insurance company's accession, the Third party platform commission rate has become more and more. At the same time, insurance companies through the electronic platform sales of products are also the main "financial" brand, and insurance protection function is neglected. In addition, the "Cross-border" combination of the Internet and insurance is clearly lagging behind its pace of development in terms of regulation and law and regulation.

"At present the net sells the product relatively simple, the insurance safeguard function is comparatively small." This is because if the security function involves a large amount of early-stage insurance consulting work, it is not suitable for the current development stage of insurance network. In the future, with the further improvement of Internet technology, the continuous maturity of the customer's concept and the continuous improvement of laws and regulations, the development potential of Internet insurance is still very great. "The Shanghai Insurance Regulatory Bureau related people in recent media ventilation meeting said.