Due to the low level and wide coverage, there is no problem of marketing mode at present, but there is a semi-compulsory phenomenon in promotion. If it is within the system, it may be inconvenient not to participate.
Commercial insurance can be divided into property insurance and personal insurance.
Property insurance companies mainly engage in property insurance (auto insurance is their main business), liability insurance, credit insurance and short-term accident insurance. Due to the short insurance period and fast customer turnover, the business marketing is mainly based on store operation and agent single-level direct sales. Due to the existence of compulsory insurance, many practitioners in the transportation industry also have the phenomenon of part-time agency.
Life insurance companies mainly engage in life insurance, health insurance and medical insurance. Because customers pay for a long time and need to cultivate customer loyalty, they mainly focus on various image advertisements and multi-level direct sales of agents. Due to the popularization of electronic and paperless business, many employees in banks and financial industries also have part-time agents.
The insurance industry claims that it is time to change. In view of the problems existing in marketing, it has been revised, but it seems that big changes have not yet appeared.
Two, the current known insurance marketing model has these kinds:
1. Agent
2. Telephone sales (including outgoing and incoming calls)
3. Bank outlet sales (bank insurance)
4. E-commerce (online sales insurance)
5. Channel sales
Insurance marketing refers to a series of overall activities that take insurance as a commodity and take the market as the center to meet the needs of the insured and achieve the goals of insurance enterprises. Insurance marketing is an activity that starts and ends with the insurance market, and its goal is the potential policyholders in the target market. The purpose of insurance marketing is to meet the insurance needs of potential policyholders in the target market. The goal of insurance marketing is not only to make profits by selling insurance products, but also to improve the position or share of insurance companies in the market and establish a good social reputation.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.