Xinhua current market share in the National Life Insurance Company ranked No. 4, the second leader of the group (the first group of China Life, Ping An, Pacific, although the foreign companies abroad strong, but has just started in China ).
The following are my doubts and you have friends like the answer, for informational purposes only!
Insurance companies and other sectors of the same nature, are profit-making business, because people seek personal and property security of demand, only the corresponding provision of such products. The Life Insurance Company is the largest number of employees in insurance companies, mainly engaged in the business of individual life policies, people usually come from the insurance companies are more of these.
The reason why he was on view in a new light, I am afraid, because insurance companies generally direct the individual (one to one) sales methods, and one to one marketing approach is characterized by close to close the sale, which is bound to make their marketing and sales staff In other industries and reflect the difference.
Almost all life insurance agents to take the system of marketing system, the system, field sales force is set up, does not belong to the official staff of the company, did not sign labor contracts, which is different from back office staff. Sales performance of considerable pressure, there is no fixed salary (even if the salary is also known as the most performance indicators linked with the responsibility of basic salary, the same you pay for whatever you are, do not have been a number of irresponsible people Huyou), complete According to the performance of domestic helpers, the performance is not a dime of the money has not even be removed, and almost all of the normal operating expenses borne by the private sector to assume its own. And the relationship between the sales force is a more interest in the company's sales have not a sense of belonging, more like an organized self-employed. In view of this, sales in general a short-sighted, do not pay attention to customer service, and even contrary to the laws and rules. Coupled with a lower threshold of the door, the uneven quality of the sales force. Almost the whole world of life insurance sales are not a good word-of-mouth. To reverse this impression may be changed only by an agent system Zhiyuan Zhi. Now, some domestic companies have tried to do this, but the high human cost. China is currently employed in more cases, life insurance companies (including foreign capital) is not necessary to do. Even if it was added as an agent of the system.
The insurance company's internal operations is a very strict norms, executives are often both domestic and foreign elite, even some small-scale domestic insurance companies, standardize their operations also.
So, I think insurance companies are operating very much the norm, but sales of normative is open to question.
If you want to buy insurance, the key is to choose good companies, buy life insurance if, and more recommendation to consider China Life and Ping An Life Insurance, the insurance aspects of small differences, have their own advantages. In general, foreign companies and regulate the operation of the more experienced, but I, first came to the mainland Chinese market, may be inevitable in the early acclimatized, what advantage does not have insurance; on the other hand, the operation of the future international political and economic situation than the effects of , Will be operational risks, after all, you have to buy the life insurance.
If you are into the development of the industry, first of all to consider the recommendations back office jobs, while wages in the early sales may not be as elite, but well-paid elite, after all, very few sales, as far as I know, insurance salesman, the average monthly income of only several hundred dollars, even if The relatively developed areas in Jiangsu, only about 1100 yuan. Moreover, the business can only field line for promotion, insurance companies, the real number of senior positions, they were not. In the insurance companies, is subject to the field of back office management, both within and outside the ground and have insurmountable divide, which is not only the institutional and cultural. If the current subjective and objective conditions you do not take into back office jobs, compared to many other industries, the field sales force is also a good choice. However, you must understand that the development of the field lines must start from the clerk, then in accordance with its rules of promotion, but it is also the promotion and other companies are not the same, complete with your strength and efforts to complete on their own . Liuxupaima rolling set of signs applies only to customers of its own waste has done a competent or even your head, in many cases in order to have you.
If you have considered the clear intention to join the industry to do marketing, there are a few:
1, if you just graduated or just entering the city, a certain lack of social connections and experience-based, Mo advise you to do;
2, if you compare to the character, Bushanyanci, Mo advise you to do;
3, if you insist on doing things has always been lacking, Mo advise you to do;
4, and Latin America do not listen to your promises as indicated, you have eyes, ears, mouth and brain.
5, you may experience the initial stage of the family do not understand, alienated friends, the neighborhood's disdain, the pressure of performance (the insurance companies is not tender, not a dime do not have the money, and even added insult to injury you get out), income Not so good or even better in the past. You will have to be psychologically prepared. But as long as you adhere to it, everything will change, and may even take the initiative to find someone to buy your insurance;
6, so before you want to know things first and try to find out if the AR has done a good heart to do, do not try it with.
If you are determined to do, I think first of all to determine their own insurance marketing model, which is the major direction of the specific ways we can take the time to learn while not worry. The best insurance is a marketing model of regional marketing, that is an option more suited to their customer base, close to home are also fixed the region, dedicated to the development. After a period of time to visit a large number of customers to collect data for the region where the customer to build customer databases, according to the characteristics of clients (with the transactions related factors) and their smaller regional database marketing to do. Guizaijianchi and long-term maintenance. As the number of prospective customers should not be too many, the greed for more chew.
Shen once again been: If you have just graduated or just entering the city, a certain lack of social connections and experience-based, Mo advise you to do! I do not rule out the possibility, of course, also be able to survive, but too few! If you do not have too good of the family Economic support, it is difficult to do so.
Oct 17, 2008
Taiping Life: the future glory
Pacific Life has a long history, was founded in Shanghai in 1929. In the history of the Taiping Life, China's modern history of the development of insurance, unique, becoming the most powerful, the largest market share of up to the nation on behalf of the insurance industry, the Chinese insurance industry to write a glorious chapter in history.
In 1956, in accordance with national policy, Pacific Life moved to Hong Kong's overseas franchise business for nearly half a century. November 30, 2001, Taiping Life Insurance to resume full operation of the domestic personal insurance business, becoming the sixth national home life insurance company, China's insurance market today is operating on the longest and oldest brand of Chinese-funded life insurance companies . At present, the company registered capital of 2,330,000,000 yuan, with headquarters in Shanghai. 7 years to resume business, Pacific Life has been in the country 27 provinces, autonomous regions and municipalities set up 34 branches and more than 500 three or four agencies, national institutions and the completion of the basic layout of the network.
Re-establish their businesses after China Taiping Life Insurance for Insurance (Holdings) Ltd., China Insurance International Holdings Limited and Fortis Insurance International, Inc. shareholders, the shareholders of international and professional advantages. Taiping Life Insurance for the three major shareholders to resume business after a leap-forward development of capital, technology, management and human resources on the powerful support to ensure the company's management and business development has always been in steady and healthy "fast track" high-speed ahead, and Quick set up the company's core brand strengths and competitive advantage, China's insurance industry has become a rising star and an important backbone.
To resume business seven years ago, Pacific Life has gradually developed a distinctive feature of the "Tai Ping Life model," in the industry has attracted wide attention. At the same time, by virtue of high-quality talent, improve the competitive product line, as well as optimize the operation of the level of service, Pacific Life's management and competitiveness of enterprises continued to significantly increase brand image and reputation have been customers, employees And a high degree of social recognition. From 2003 to 2007, Pacific Life 5 years in a row by the authority of the international rating agency Fitch (FITCH) awarded BBB + rating, Fitch's view that the credit quality of a good, solid financial strength and establish a good business model. From 2005 to 2006, the company has access to operating system services, "the policy of the new contract services" and "claims management services," and "preservation" and "customer service system," the four BSI (British Standards Institution) ISO9001: 2000 quality management system certification , Marking the carrier's service has reached the level of international quality management requirements. In October 2006, Taiping Life won the 14th World Productivity Congress Innovation Forum "Top Ten (China) outstanding innovative enterprises," the title of China's finance and insurance industry, the only one to receive the Award of the enterprise. In August 2007, won the Pacific Life "brand China Gold Award spectrum - China (financial) sector of the annual 10 best brand name"; in September, Taiping Life crowned as the "2007 China Top 500 Enterprises" and "2007 China's service industry 500 Strong. " In August 2008, Pacific Life once again selected "2008 China Top 500 Enterprises" and "2008 China's service industry's top 500 enterprises", and the number has been increasing steadily, the company highlighted the growing value of the brand, the company's brands continue to write the history of the development " The new legend. "
As of 2007, total assets of Taiping Life breakthrough 46,000,000,000 yuan, the total reached 6,000,000 customers, with a total insured amount of breakthrough 800,000,000,000 yuan, the market share of 3%. In 2007, the company's annual premium income of 15,800,000,000 yuan, two years in a row in the tens of billions of dollars a firm platform, marking the company has been maintaining a stable domestic life insurance companies in large-scale ranks. Following the success achieved in 2006 in Hong Kong accounting standards under the annual profit goal of a draw, in 2007 and the successful implementation of accounting standards in Hong Kong and the Chinese accounting standards under both draw profits ahead of time to achieve the strategic goal of profitability for Company profits into the period and continued contribution to the profit and laid a solid foundation.
In all aspects of the operation and management of the company to make significant breakthroughs in innovation, Pacific Life has also been actively operating in the area and expand the scope of an integrated business model has been walking in the forefront of the industry. In December 2004 by the Taiping Life Insurance as a major sponsor to apply for the establishment of the Taiping Pension Insurance Co., Ltd. allowed to open, Taiping Pension Insurance Co., Ltd. currently has in the annuity market, domestic enterprises to establish a certain amount of lead, became the hundreds of large-scale Professional business enterprise annuity providers and partners. In September 2006, Pacific Life Holdings to set up the Pacific Asset Management Co., Ltd. officially opened the domestic insurance industry as a nine professional asset management companies, Pacific Asset Management Ltd. in the operation of insurance funds, made the same industry-leading investment performance For the Pacific Life clients preserve and increase the value of the assets to provide a strong guarantee. Has a long history of the "Tai Ping Life" brand, in the new period, was injected new connotations, and will further establish its Integrated competitiveness.
In 2008, Taiping Life is the implementation of the second five-year strategic planning of the second year, the company's future development goals is to become China's life insurance industry management, and process benchmarking system, so that the Taiping Life Insurance to enter the international A-class enterprises to become China and the world's outstanding brands and build China into the financial and insurance industry's first true sense of the "100 years old."
In 1956, in accordance with national policy, Pacific Life moved to Hong Kong's overseas franchise business for nearly half a century. November 30, 2001, Taiping Life Insurance to resume full operation of the domestic personal insurance business, becoming the sixth national home life insurance company, China's insurance market today is operating on the longest and oldest brand of Chinese-funded life insurance companies . At present, the company registered capital of 2,330,000,000 yuan, with headquarters in Shanghai. 7 years to resume business, Pacific Life has been in the country 27 provinces, autonomous regions and municipalities set up 34 branches and more than 500 three or four agencies, national institutions and the completion of the basic layout of the network.
Re-establish their businesses after China Taiping Life Insurance for Insurance (Holdings) Ltd., China Insurance International Holdings Limited and Fortis Insurance International, Inc. shareholders, the shareholders of international and professional advantages. Taiping Life Insurance for the three major shareholders to resume business after a leap-forward development of capital, technology, management and human resources on the powerful support to ensure the company's management and business development has always been in steady and healthy "fast track" high-speed ahead, and Quick set up the company's core brand strengths and competitive advantage, China's insurance industry has become a rising star and an important backbone.
To resume business seven years ago, Pacific Life has gradually developed a distinctive feature of the "Tai Ping Life model," in the industry has attracted wide attention. At the same time, by virtue of high-quality talent, improve the competitive product line, as well as optimize the operation of the level of service, Pacific Life's management and competitiveness of enterprises continued to significantly increase brand image and reputation have been customers, employees And a high degree of social recognition. From 2003 to 2007, Pacific Life 5 years in a row by the authority of the international rating agency Fitch (FITCH) awarded BBB + rating, Fitch's view that the credit quality of a good, solid financial strength and establish a good business model. From 2005 to 2006, the company has access to operating system services, "the policy of the new contract services" and "claims management services," and "preservation" and "customer service system," the four BSI (British Standards Institution) ISO9001: 2000 quality management system certification , Marking the carrier's service has reached the level of international quality management requirements. In October 2006, Taiping Life won the 14th World Productivity Congress Innovation Forum "Top Ten (China) outstanding innovative enterprises," the title of China's finance and insurance industry, the only one to receive the Award of the enterprise. In August 2007, won the Pacific Life "brand China Gold Award spectrum - China (financial) sector of the annual 10 best brand name"; in September, Taiping Life crowned as the "2007 China Top 500 Enterprises" and "2007 China's service industry 500 Strong. " In August 2008, Pacific Life once again selected "2008 China Top 500 Enterprises" and "2008 China's service industry's top 500 enterprises", and the number has been increasing steadily, the company highlighted the growing value of the brand, the company's brands continue to write the history of the development " The new legend. "
As of 2007, total assets of Taiping Life breakthrough 46,000,000,000 yuan, the total reached 6,000,000 customers, with a total insured amount of breakthrough 800,000,000,000 yuan, the market share of 3%. In 2007, the company's annual premium income of 15,800,000,000 yuan, two years in a row in the tens of billions of dollars a firm platform, marking the company has been maintaining a stable domestic life insurance companies in large-scale ranks. Following the success achieved in 2006 in Hong Kong accounting standards under the annual profit goal of a draw, in 2007 and the successful implementation of accounting standards in Hong Kong and the Chinese accounting standards under both draw profits ahead of time to achieve the strategic goal of profitability for Company profits into the period and continued contribution to the profit and laid a solid foundation.
In all aspects of the operation and management of the company to make significant breakthroughs in innovation, Pacific Life has also been actively operating in the area and expand the scope of an integrated business model has been walking in the forefront of the industry. In December 2004 by the Taiping Life Insurance as a major sponsor to apply for the establishment of the Taiping Pension Insurance Co., Ltd. allowed to open, Taiping Pension Insurance Co., Ltd. currently has in the annuity market, domestic enterprises to establish a certain amount of lead, became the hundreds of large-scale Professional business enterprise annuity providers and partners. In September 2006, Pacific Life Holdings to set up the Pacific Asset Management Co., Ltd. officially opened the domestic insurance industry as a nine professional asset management companies, Pacific Asset Management Ltd. in the operation of insurance funds, made the same industry-leading investment performance For the Pacific Life clients preserve and increase the value of the assets to provide a strong guarantee. Has a long history of the "Tai Ping Life" brand, in the new period, was injected new connotations, and will further establish its Integrated competitiveness.
In 2008, Taiping Life is the implementation of the second five-year strategic planning of the second year, the company's future development goals is to become China's life insurance industry management, and process benchmarking system, so that the Taiping Life Insurance to enter the international A-class enterprises to become China and the world's outstanding brands and build China into the financial and insurance industry's first true sense of the "100 years old."
Middle-class families first choice for Pacific Life Insurance
Our reporter Wang Wei reported the other day, in the south by the press media group organized the 21st century Daily News "weekly financial management" of the "2008 China the first choice for millions of middle-class families insurance brands list" selection, Taiping Life Insurance products Awards won, "peace 'Fu series' co-existence of insurance (dividend-)" won the "Best Life Insurance Products" award; "peace' Yinuoqianjin 'growing old-age pension scheme" was awarded "China's top 10 best financial insurance products "Award. Among them, "Fu series," listing more than half a year only, in order to have good market performance and meet customer requirements for product design won the best prize life insurance products; In addition, "Yinuoqianjin" in 2007, following the second session of the Chinese insurance products innovation award Won the "Best old-age insurance products", was once again a national award.
In 2008, the mutation of the capital market situation, many families also adjusted the direction of financial management, prudent financial management, capital preservation has become a family financial security, in particular, have a certain level of assets accumulated by middle-class families the most important financial criteria. Early 2008 listing "Fushou again and again," are always bright spots, such as the following year a return of cash flow planning, as long as 88 years of protection, as well as the huge death and the protection of the expiration of the birthday will be more funds to ensure the safety of value-added , The award-winning real true to its name. "Yinuoqianjin" listing since the industry was well received with customers, to ensure the safety of value-added funds, annuities can guarantee to receive climbing steadily, at the same time, personal security can guarantee security by the end of claims. "Yinuoqianjin" and "Fu series of" blazing the way in dozens of domestic and foreign insurance companies, hundreds of insurance products, as long as 4 months after the strict selection and eventually come to the fore, whether it is here the cutting edge of new products or re - Won the first prize of the old products, both from different sides of the Pacific Life reaction in the product development side of the extraordinary strength.
In 2008, the mutation of the capital market situation, many families also adjusted the direction of financial management, prudent financial management, capital preservation has become a family financial security, in particular, have a certain level of assets accumulated by middle-class families the most important financial criteria. Early 2008 listing "Fushou again and again," are always bright spots, such as the following year a return of cash flow planning, as long as 88 years of protection, as well as the huge death and the protection of the expiration of the birthday will be more funds to ensure the safety of value-added , The award-winning real true to its name. "Yinuoqianjin" listing since the industry was well received with customers, to ensure the safety of value-added funds, annuities can guarantee to receive climbing steadily, at the same time, personal security can guarantee security by the end of claims. "Yinuoqianjin" and "Fu series of" blazing the way in dozens of domestic and foreign insurance companies, hundreds of insurance products, as long as 4 months after the strict selection and eventually come to the fore, whether it is here the cutting edge of new products or re - Won the first prize of the old products, both from different sides of the Pacific Life reaction in the product development side of the extraordinary strength.
The continued decline in earnings for insurance even passed their prime
As the bear stock market slump triggered by the net value of investments, investment and insurance products are no longer even Xiang Bobo. At present, most of the market for insurance products that are not even there have been large losses, and even in some areas there have been storm surrender. The industry believes that the market downturn, it is also difficult to individual insurance companies by changing the product sales strategy to increase the performance of insurance companies operating in adverse situation will continue, investors should be strengthened to protect the products of choice To play a good asset savings.
Loss of insurance products to expand
In the stock market remains in the doldrums with the situation, the pre-performance sound insurance products, there have been large losses. According to statistics, in the first half of this year, the insurance companies in the Bank of security risk even for products, only the company's individual-account money is being proceeds, the remaining losses have been across the board. The loss is the least-bond investment accounts even, but the average loss amounts to 3.92 percent, and a loss of 20-30 percent of the accounts is common. Sino-De-linked to the introduction of the product, for example, the current Kim's family for five insurance accounts have emerged in a loss situation. Growth accounts for nearly a month to a loss of 5.3 percent, balanced accounts for nearly a month to a loss of 3.4 percent, the growth of wealth accounts for nearly a month was also a loss of 5.1 percent, financial-account balance is also a loss of 3.4 percent.
Sino-De-linked losses is not the case, the lives of Life, Haikang insurance, and Taiping Life Insurance Company and many other products, there have been varying degrees of losses in some areas while there have been losses as a result of over-investment and surrender. Ruoshi in response to market, the Sino-British Life, Haier New York Life, Ping An Life Insurance, and so turn to the wind direction, to push universal insurance. In mid-July, in view of the huge fluctuations in the domestic stock market, the Sino-British life in the mid-stream will pay for universal insurance innovative attempt to introduce a new combination of universal insurance, the product will be universal insurance gold wholesale payment litchi B with a view to pay a variety of security functions Additional risk together with a view to safeguarding the stability of the income customers. Although the universal insurance, insurance dividends at the end of a certain degree of security, but the long-term insurance policy holders in order to achieve maximum benefits if the earnings decline on the surrender, or frequently receive cash proceeds will be affected. The industry believes that the current market turbulence, a serious lack of consumer confidence, insurance products are not optimistic about the outlook for earnings.
Difficult to change short-term market weakness
August statistics show that both the country life, large insurers such as Ping An, Taikang or, Xinhua, the second-line insurers such as peace, and its premium growth has slowed significantly, and just down the implementation of the deposit interest rate and interest-free Levy interest tax, making the insurance companies listed on profit margins squeezed by the obvious. Ping An of China (26.22, -0.08, -0.30%, right) growth in life insurance in August than in July dropped 14.3 percent; China Life Insurance (19.68,0.58,3.04%, it) was down 3.1%, and Xinhua Life Insurance, Taikang Life Central were more than a drop of 33% and 38%. The turning point of growth in premium income has surfaced. Orient Securities researcher Wang Xiaogang that, as the market continued to slump in the fourth quarter of universal insurance settlement rate would be reduced to 4% decline in annual life insurance premium income will be no dispute.
The capital of Economic and Trade University professor in the Department of Insurance that Tuo Guozhu, accompanied by the adjustment of domestic and foreign financial markets, the insurance market in the short term improvement is difficult, therefore, investment-revenue insurance products does not look good. He said that the various insurance companies hardly have a clear product and market positioning, the insurance products of the Rush situation will continue. At present, domestic insurance market in the main body of more, many companies are anxious to universal insurance, risk sharing, the potential market demand and the nature of the demand for insurance has not been a good meet, so we can not mobilize the enthusiasm. He suggested that regulators need to promote the protection of product development, market turmoil in the background, the play features the essence of insurance.
Multi-configuration of security products
Xinhua Life Insurance, said that insurance products are more long-term rather than short-term plan to safeguard the operation of the market, the insurance should bring into full play the function of saving rather than investment effectiveness. He said that the more we demand is to preserve and increase savings rather than to earn investment income, the assets of insurance companies should not do the conversion, but the design of more security products, stable markets and consumer confidence. He noted that the risk of death, accident insurance for all residents to provide more protection, however, because of low rates, insurance premiums earned less, we do not have R & D investment and the driving force, which requires regulatory and related agencies To carry out food for thought.
In addition to the allocation of more security products, the industry also believe that insurance companies should focus on product sales in the operational risk should be related to products sold to a corresponding risk tolerance, in order to better avoid surrender of the storm again.
Loss of insurance products to expand
In the stock market remains in the doldrums with the situation, the pre-performance sound insurance products, there have been large losses. According to statistics, in the first half of this year, the insurance companies in the Bank of security risk even for products, only the company's individual-account money is being proceeds, the remaining losses have been across the board. The loss is the least-bond investment accounts even, but the average loss amounts to 3.92 percent, and a loss of 20-30 percent of the accounts is common. Sino-De-linked to the introduction of the product, for example, the current Kim's family for five insurance accounts have emerged in a loss situation. Growth accounts for nearly a month to a loss of 5.3 percent, balanced accounts for nearly a month to a loss of 3.4 percent, the growth of wealth accounts for nearly a month was also a loss of 5.1 percent, financial-account balance is also a loss of 3.4 percent.
Sino-De-linked losses is not the case, the lives of Life, Haikang insurance, and Taiping Life Insurance Company and many other products, there have been varying degrees of losses in some areas while there have been losses as a result of over-investment and surrender. Ruoshi in response to market, the Sino-British Life, Haier New York Life, Ping An Life Insurance, and so turn to the wind direction, to push universal insurance. In mid-July, in view of the huge fluctuations in the domestic stock market, the Sino-British life in the mid-stream will pay for universal insurance innovative attempt to introduce a new combination of universal insurance, the product will be universal insurance gold wholesale payment litchi B with a view to pay a variety of security functions Additional risk together with a view to safeguarding the stability of the income customers. Although the universal insurance, insurance dividends at the end of a certain degree of security, but the long-term insurance policy holders in order to achieve maximum benefits if the earnings decline on the surrender, or frequently receive cash proceeds will be affected. The industry believes that the current market turbulence, a serious lack of consumer confidence, insurance products are not optimistic about the outlook for earnings.
Difficult to change short-term market weakness
August statistics show that both the country life, large insurers such as Ping An, Taikang or, Xinhua, the second-line insurers such as peace, and its premium growth has slowed significantly, and just down the implementation of the deposit interest rate and interest-free Levy interest tax, making the insurance companies listed on profit margins squeezed by the obvious. Ping An of China (26.22, -0.08, -0.30%, right) growth in life insurance in August than in July dropped 14.3 percent; China Life Insurance (19.68,0.58,3.04%, it) was down 3.1%, and Xinhua Life Insurance, Taikang Life Central were more than a drop of 33% and 38%. The turning point of growth in premium income has surfaced. Orient Securities researcher Wang Xiaogang that, as the market continued to slump in the fourth quarter of universal insurance settlement rate would be reduced to 4% decline in annual life insurance premium income will be no dispute.
The capital of Economic and Trade University professor in the Department of Insurance that Tuo Guozhu, accompanied by the adjustment of domestic and foreign financial markets, the insurance market in the short term improvement is difficult, therefore, investment-revenue insurance products does not look good. He said that the various insurance companies hardly have a clear product and market positioning, the insurance products of the Rush situation will continue. At present, domestic insurance market in the main body of more, many companies are anxious to universal insurance, risk sharing, the potential market demand and the nature of the demand for insurance has not been a good meet, so we can not mobilize the enthusiasm. He suggested that regulators need to promote the protection of product development, market turmoil in the background, the play features the essence of insurance.
Multi-configuration of security products
Xinhua Life Insurance, said that insurance products are more long-term rather than short-term plan to safeguard the operation of the market, the insurance should bring into full play the function of saving rather than investment effectiveness. He said that the more we demand is to preserve and increase savings rather than to earn investment income, the assets of insurance companies should not do the conversion, but the design of more security products, stable markets and consumer confidence. He noted that the risk of death, accident insurance for all residents to provide more protection, however, because of low rates, insurance premiums earned less, we do not have R & D investment and the driving force, which requires regulatory and related agencies To carry out food for thought.
In addition to the allocation of more security products, the industry also believe that insurance companies should focus on product sales in the operational risk should be related to products sold to a corresponding risk tolerance, in order to better avoid surrender of the storm again.
"Tai Ping Sheng surplus B" - and their children's education payment
Long-term, education-oriented. Now, more and more high-cost choice, the University of expansion costs make dramatic increase in the average family overwhelmed. According to the National Bureau of Statistics survey team carried out a survey showed that education, from kindergarten to university graduates, a child's education costs at least 130,000 or so.
The problem is the education of their children, the core of the family financial problems. Experts suggested that the fiscal objectives of the decision of the family should choose a medium to long-term financial planning, and "sound" is the premise, with due regard is expected to float revenue. At the same time, the concept of risk essential to any kind of financial planning, financial management must at the same time the person who carried out full risk assessment and protection.
Based on this, Taiping Life Decent show for children to launch new favorite family financial management, "Sheng Tai Ping surplus B". It acts as a gift to the children, the advantages are: to save little money, big change: peace will only sporadic save money, paid for 10 years, then be able to enjoy 15 years of stability, security and high income, so that little money changed Lot of money to achieve the dream of a special long-term financial management; to receive a three-year, an early benefit: every three years can receive a sum of money, at least for the basic insured amount should be 30%, and with the gradual accumulation of dividend increases, not only can help solve the Species of life issues, as soon as possible can enjoy the proceeds of insurance; double dividend, increasing returns: the product of the annual dividend distribution for the amount by way of dividend, the amount by way of dividend refers to the increase in the amount of basic security, part of the increase also took part in the future The annual dividend calculation, similar to a compound interest-bearing not only be able to cope with interest rates, but also can increase revenue, rising in tandem; protection three times, accompanied all the way: in the life of the contract, entitled to a traffic accident specific protection to a maximum Paul was three times the amount of basic pay × year, so they have more honorable to protect the value; at the same time have the option of additional peace-patient medical insurance Anshun B, the highest in-patient medical expenses can be reimbursed the actual expenditure of 70% or 90%, To allow the family more secure. (Taiping Life)
The problem is the education of their children, the core of the family financial problems. Experts suggested that the fiscal objectives of the decision of the family should choose a medium to long-term financial planning, and "sound" is the premise, with due regard is expected to float revenue. At the same time, the concept of risk essential to any kind of financial planning, financial management must at the same time the person who carried out full risk assessment and protection.
Based on this, Taiping Life Decent show for children to launch new favorite family financial management, "Sheng Tai Ping surplus B". It acts as a gift to the children, the advantages are: to save little money, big change: peace will only sporadic save money, paid for 10 years, then be able to enjoy 15 years of stability, security and high income, so that little money changed Lot of money to achieve the dream of a special long-term financial management; to receive a three-year, an early benefit: every three years can receive a sum of money, at least for the basic insured amount should be 30%, and with the gradual accumulation of dividend increases, not only can help solve the Species of life issues, as soon as possible can enjoy the proceeds of insurance; double dividend, increasing returns: the product of the annual dividend distribution for the amount by way of dividend, the amount by way of dividend refers to the increase in the amount of basic security, part of the increase also took part in the future The annual dividend calculation, similar to a compound interest-bearing not only be able to cope with interest rates, but also can increase revenue, rising in tandem; protection three times, accompanied all the way: in the life of the contract, entitled to a traffic accident specific protection to a maximum Paul was three times the amount of basic pay × year, so they have more honorable to protect the value; at the same time have the option of additional peace-patient medical insurance Anshun B, the highest in-patient medical expenses can be reimbursed the actual expenditure of 70% or 90%, To allow the family more secure. (Taiping Life)
Financial-insurance, "Ruoshi" How to choose?
Today, talking about money management, people no longer think of stocks, funds, treasury bonds, financial management and some type of insurance is also included in the field of vision. Many insurance products because of the unique features protection of financial management, asset allocation investors occupy an important one seat. It is understood that so far this year, more than the province's insurance financial-insurance premiums increase significantly.
At present, the stock market downturn, "Ruoshi" how to choose financial-insurance, but go a long way "Road."
City, state of the market:: cast even risks "losing" universal insurance, insurance dividends Hot
"So far this year, insurance-based financial management in the province of any one insurance companies, insurance agents, increasing the monthly premium of about 50% -70%. January to July, the company's financial-insurance premiums increased by an average of 70%. "Sung Woo Hebei Insurance Agency Ltd., said Deputy General Manager Liu Liming.
Reporters in the capital of commercial banks are also more than that, this year, insurance-based financial management in the very best Bancassurance channel has become the choice of many people.
Taiping Life Hebei Branch Banking and Insurance Manager Wang said that last year had sales of the vote even dangerous products, has been the loss of attractiveness, the company this Bancassurance channel will be the main products to universal insurance and risk sharing. To the company's financial-insurance products, for example, peace, "more profit" (universal type), peace, "Sheng Ying B, Sheng Ying C" (-dividend) sold this year has been quite good.
Liu Liming, even for risk in the stock market "bull market", the better earnings performance, but the event of fluctuations in the stock market, it is highly possible negative earnings, earnings may be high, but the risks are also high. Customers with complete self-investment "losses" even for different insurance, universal insurance is the biggest feature to provide customers with security at the end of the proceeds, at the same time in accordance with the monthly settlement of declaration of the monthly rates for the balance of clearing accounts. In the capital market downturn, these products against the market trend of rising interest rates to the settlement of certain customer confidence. It is understood that the market risk capital at the end of universal interest rates generally in the range of 1.75% and 2.5%, such as the safety of the gold color universal life insurance protection at the end of the year to 1.75 percent gains, China Life's "universal Ruifeng risk" capital gains at the end of 2.0%.
Although Qiushi everywhere, the market has smell of winter message. Reporters from the province more than a few days ago was informed that the insurance company, has been steadily rising this year, universal insurance rates down from the beginning of September. China Insurance Regulatory Commission has insurance investment type insurance issued orders to reduce the size of the premium and the size of the network, security-replacement insurance. Prior to the China Insurance Regulatory Commission pointed out that the responsible persons in public, requiring the company to the attention of the investment-type insurance products, assets and liabilities of the match, controlling the risk of investment, smoothing the attention of universal risk insurance and dividends benefits. This means that so far this year to support the Bank's insurance business Xiongqi --- the two main pillars of universal insurance and insurance dividends, the return of the ultra-stimulating obviously difficult to continue.
No one can say is not good, in the fourth quarter of the financial-insurance market, such as whether a major change in policy orientation. And some of the province, has quietly started a new board layout, Sung Woo Insurance Agency Ltd. is now in transition, adhere to the universal selling insurance at the same time, and serious illness in old-age pension payment to the transition.
Supervisor at various levels supervision tube:: see the risks, polished eyes, Qiao-election financial-insurance
China Insurance Regulatory Commission in April this year prompted the insurance-based financial products that may arise from the three major risks: fluctuations in the business of business risks; macro-economic policies of the financial risk; credit risk of asymmetric information.
Insurance practitioners have also pointed out that prior to the purchase of insurance-based financial management, it is necessary to polish their own eyes, out of some misunderstanding, to make a suitable choice.
Take the universal risk, many investors do not know, it really is not a "panacea." The liquidity, cash can be dangerous is the Almighty has repeatedly stressed that a major advantage. In general, insurance companies will allow customers from the personal investment accounts in cash, but agreed to retain the minimum amount. At the same time, when the cash needed to pay the processing fees. Moreover, the entry into force of universal insurance policy a few years, the policyholder must pay the insurance company to a substantial proportion of the initial cost, beginning when the insured to pay the initial costs to account for half of the total premium. Universal insurance 4%, 5% of the year appears to be a very high rate of return, but only refers to the investment account funds in the rate of return, but not all of the premiums paid by the rate of return, savings and very different. Experts generally believe that the time for short-term insurance, universal insurance investment income is not high, only holders of long-term, taking into account compound interest and tax exempt interest, such as a combination of factors, in order to reflect the value of their investment.
The bonus dividend of uncertainty there is risk. A lot of people will be less than 240,000 yuan into the premium was more than 1,900,000 yuan of high returns and cardiac Ads. But in fact, to some extent, this is the dividend risk investment exaggerated features. From the dividend rate differences, differences in mortality rates, as well as the differences. In the insurance leaflets on 3%, 5% of the dividend income return is uncertain, in fact, in most cases, the role of the dividend that is to help investors hedge against future inflation, rather than over-earned income. The people in the selection of such products should pay more attention to the death of their function to protect its financial management functions more attention should be focused on the principle of "survival benefit" and should not be directed at the dividend is not certain.
Financial experts advise that the purchase of insurance-based financial management to eliminate a few errors --- a misunderstanding: it is to buy insurance for investment. The original meaning of insurance through insurance or compensation for the realization of risk transfer, or compensation for life, rather than investment; two errors: income security and can have both. In addition to insurance consumers to buy good return on investment, there are safeguards. However, the investment-type insurance is the focus, focus on its stated earnings or dividends on. In the security risk, investment-limited insurance, accident insurance to provide general security, and lower insurance rates. Chuxian accident rate is very low, even if gold does not pay too much Chuxian; three errors: the proceeds must be guaranteed. In fact, the proceeds from the insurance company promises to charge for the use of the premium, not who would dare to guarantee that there will be some investment income.
Ordinary people on a misunderstanding of the insurance-based financial management may also be part of the insurance market with sales of about misconduct. "11" long period, some reporters in the capital of commercial banks branches, some of the insurance salesman still one-sided propaganda of the insurance-based financial management "at the end of security" and "high income" and revealed the lack of investment risk. And often
At present, the stock market downturn, "Ruoshi" how to choose financial-insurance, but go a long way "Road."
City, state of the market:: cast even risks "losing" universal insurance, insurance dividends Hot
"So far this year, insurance-based financial management in the province of any one insurance companies, insurance agents, increasing the monthly premium of about 50% -70%. January to July, the company's financial-insurance premiums increased by an average of 70%. "Sung Woo Hebei Insurance Agency Ltd., said Deputy General Manager Liu Liming.
Reporters in the capital of commercial banks are also more than that, this year, insurance-based financial management in the very best Bancassurance channel has become the choice of many people.
Taiping Life Hebei Branch Banking and Insurance Manager Wang said that last year had sales of the vote even dangerous products, has been the loss of attractiveness, the company this Bancassurance channel will be the main products to universal insurance and risk sharing. To the company's financial-insurance products, for example, peace, "more profit" (universal type), peace, "Sheng Ying B, Sheng Ying C" (-dividend) sold this year has been quite good.
Liu Liming, even for risk in the stock market "bull market", the better earnings performance, but the event of fluctuations in the stock market, it is highly possible negative earnings, earnings may be high, but the risks are also high. Customers with complete self-investment "losses" even for different insurance, universal insurance is the biggest feature to provide customers with security at the end of the proceeds, at the same time in accordance with the monthly settlement of declaration of the monthly rates for the balance of clearing accounts. In the capital market downturn, these products against the market trend of rising interest rates to the settlement of certain customer confidence. It is understood that the market risk capital at the end of universal interest rates generally in the range of 1.75% and 2.5%, such as the safety of the gold color universal life insurance protection at the end of the year to 1.75 percent gains, China Life's "universal Ruifeng risk" capital gains at the end of 2.0%.
Although Qiushi everywhere, the market has smell of winter message. Reporters from the province more than a few days ago was informed that the insurance company, has been steadily rising this year, universal insurance rates down from the beginning of September. China Insurance Regulatory Commission has insurance investment type insurance issued orders to reduce the size of the premium and the size of the network, security-replacement insurance. Prior to the China Insurance Regulatory Commission pointed out that the responsible persons in public, requiring the company to the attention of the investment-type insurance products, assets and liabilities of the match, controlling the risk of investment, smoothing the attention of universal risk insurance and dividends benefits. This means that so far this year to support the Bank's insurance business Xiongqi --- the two main pillars of universal insurance and insurance dividends, the return of the ultra-stimulating obviously difficult to continue.
No one can say is not good, in the fourth quarter of the financial-insurance market, such as whether a major change in policy orientation. And some of the province, has quietly started a new board layout, Sung Woo Insurance Agency Ltd. is now in transition, adhere to the universal selling insurance at the same time, and serious illness in old-age pension payment to the transition.
Supervisor at various levels supervision tube:: see the risks, polished eyes, Qiao-election financial-insurance
China Insurance Regulatory Commission in April this year prompted the insurance-based financial products that may arise from the three major risks: fluctuations in the business of business risks; macro-economic policies of the financial risk; credit risk of asymmetric information.
Insurance practitioners have also pointed out that prior to the purchase of insurance-based financial management, it is necessary to polish their own eyes, out of some misunderstanding, to make a suitable choice.
Take the universal risk, many investors do not know, it really is not a "panacea." The liquidity, cash can be dangerous is the Almighty has repeatedly stressed that a major advantage. In general, insurance companies will allow customers from the personal investment accounts in cash, but agreed to retain the minimum amount. At the same time, when the cash needed to pay the processing fees. Moreover, the entry into force of universal insurance policy a few years, the policyholder must pay the insurance company to a substantial proportion of the initial cost, beginning when the insured to pay the initial costs to account for half of the total premium. Universal insurance 4%, 5% of the year appears to be a very high rate of return, but only refers to the investment account funds in the rate of return, but not all of the premiums paid by the rate of return, savings and very different. Experts generally believe that the time for short-term insurance, universal insurance investment income is not high, only holders of long-term, taking into account compound interest and tax exempt interest, such as a combination of factors, in order to reflect the value of their investment.
The bonus dividend of uncertainty there is risk. A lot of people will be less than 240,000 yuan into the premium was more than 1,900,000 yuan of high returns and cardiac Ads. But in fact, to some extent, this is the dividend risk investment exaggerated features. From the dividend rate differences, differences in mortality rates, as well as the differences. In the insurance leaflets on 3%, 5% of the dividend income return is uncertain, in fact, in most cases, the role of the dividend that is to help investors hedge against future inflation, rather than over-earned income. The people in the selection of such products should pay more attention to the death of their function to protect its financial management functions more attention should be focused on the principle of "survival benefit" and should not be directed at the dividend is not certain.
Financial experts advise that the purchase of insurance-based financial management to eliminate a few errors --- a misunderstanding: it is to buy insurance for investment. The original meaning of insurance through insurance or compensation for the realization of risk transfer, or compensation for life, rather than investment; two errors: income security and can have both. In addition to insurance consumers to buy good return on investment, there are safeguards. However, the investment-type insurance is the focus, focus on its stated earnings or dividends on. In the security risk, investment-limited insurance, accident insurance to provide general security, and lower insurance rates. Chuxian accident rate is very low, even if gold does not pay too much Chuxian; three errors: the proceeds must be guaranteed. In fact, the proceeds from the insurance company promises to charge for the use of the premium, not who would dare to guarantee that there will be some investment income.
Ordinary people on a misunderstanding of the insurance-based financial management may also be part of the insurance market with sales of about misconduct. "11" long period, some reporters in the capital of commercial banks branches, some of the insurance salesman still one-sided propaganda of the insurance-based financial management "at the end of security" and "high income" and revealed the lack of investment risk. And often
Sino-British life insurance funding assistance to 140,000 yuan East Middle School cafeteria building steam
Sino-British life in the earthquake in Sichuan 5.12 soon after the establishment of the earthquake-stricken area in Sichuan Province aims to society at large, the Sino-British customers as well as the Sino-British staff to provide lasting support of donors and the "Sino-British fund-friendly." The fund after the earthquake in the early stages, it has played an important role in the rescue, including the provision of psychological counseling for the affected customers with additional claims of condolences to Kim for Xinancaida received from the affected areas 1,000 4-16 year-old child And primary and middle school students sent to 70,000 yuan worth of clothing to disaster areas to help the people tide over their difficulties. A few days ago, "the Sino-British love fund" has a new dynamic, to address the serious impact of the earthquake disaster by the East steam 1,500 teachers and students in primary and secondary food problem, the Sino-British life insurance from the Fund 140,000 yuan to the East secondary steam Provisional board room school canteens provide a full range of equipment. August 6, the Sino-British life, we will build a cafeteria and kitchen supplies, such as the official transfer of steam to the East Middle School.
5.12 Mianzhu City to the earthquake Han Wang Zhendong secondary steam caused heavy losses to the collapse of all school buildings, suffered heavy casualties. At that time, more than 600 teachers and students who survived the arrangements have been moved to suburbs Deyang Chinese anti-poverty fund set up by the activities of the school board to continue and living room, then steam East Primary School students have also affected the migration to this. In order to make up for lost time learning to come back, the students did not take the summer vacation, but the school did not temporary kitchen facilities, catering entirely to a local hotel to bring food to school every day, which is clearly not a permanent solution, the school's 1,500 students and teachers Diet has become an urgent need to resolve the issue, Foreign therefore appeal to the Board of Education in Sichuan Province, want to help all sectors of society.
To educate the public good for corporate social responsibility to fulfill the main focus of the Sino-British life, to respond immediately after hearing the news. With local governments and schools to communicate steam East, China and Britain decided to Life, "the Sino-British love fund" set aside 140,000 yuan, aid canteen facilities, teachers and students to solve the food problem as soon as possible to help them resume a normal life order.
"China and the United Kingdom and love fund" to the department on May 19, 2008 officially started. At that time, is Dujiangyan, Sichuan Province, Mianyang and condolences to earthquake-stricken areas to visit customers Zhang Wenwei, president of the Sino-British life, Sichuan and the national media for the official announcement: the weak and disaster relief, life and love, is the most basic corporate social responsibilities and obligations of the aims has been the Initiated by the "10,000-friendly" business vision, a sense in the four-Chuan Wenchuan earthquake in Sichuan Province to bring the people of the unprecedented disaster, the Sino-British life today decided to reduce administrative costs, the establishment of a special "care fund in the United Kingdom."
Said, because "the Sino-British love fund" to set up the company was able to quickly allocate a lot of money and material assistance for the disaster relief work.
Sino-British life in the East Middle School cafeteria gas supplies also announced the handover ceremony, along with post-disaster reconstruction work to start, the company will be based on government planning arrangements for the reconstruction of earthquake-stricken areas in search for appropriate assistance projects and give full play to "the Sino-British love fund" Support the weak and disaster relief, life and love, to play the insurance industry risks, the role of people's livelihood and implement corporate social responsibility to promote the "10,000-friendly" business vision a reality.
5.12 Mianzhu City to the earthquake Han Wang Zhendong secondary steam caused heavy losses to the collapse of all school buildings, suffered heavy casualties. At that time, more than 600 teachers and students who survived the arrangements have been moved to suburbs Deyang Chinese anti-poverty fund set up by the activities of the school board to continue and living room, then steam East Primary School students have also affected the migration to this. In order to make up for lost time learning to come back, the students did not take the summer vacation, but the school did not temporary kitchen facilities, catering entirely to a local hotel to bring food to school every day, which is clearly not a permanent solution, the school's 1,500 students and teachers Diet has become an urgent need to resolve the issue, Foreign therefore appeal to the Board of Education in Sichuan Province, want to help all sectors of society.
To educate the public good for corporate social responsibility to fulfill the main focus of the Sino-British life, to respond immediately after hearing the news. With local governments and schools to communicate steam East, China and Britain decided to Life, "the Sino-British love fund" set aside 140,000 yuan, aid canteen facilities, teachers and students to solve the food problem as soon as possible to help them resume a normal life order.
"China and the United Kingdom and love fund" to the department on May 19, 2008 officially started. At that time, is Dujiangyan, Sichuan Province, Mianyang and condolences to earthquake-stricken areas to visit customers Zhang Wenwei, president of the Sino-British life, Sichuan and the national media for the official announcement: the weak and disaster relief, life and love, is the most basic corporate social responsibilities and obligations of the aims has been the Initiated by the "10,000-friendly" business vision, a sense in the four-Chuan Wenchuan earthquake in Sichuan Province to bring the people of the unprecedented disaster, the Sino-British life today decided to reduce administrative costs, the establishment of a special "care fund in the United Kingdom."
Said, because "the Sino-British love fund" to set up the company was able to quickly allocate a lot of money and material assistance for the disaster relief work.
Sino-British life in the East Middle School cafeteria gas supplies also announced the handover ceremony, along with post-disaster reconstruction work to start, the company will be based on government planning arrangements for the reconstruction of earthquake-stricken areas in search for appropriate assistance projects and give full play to "the Sino-British love fund" Support the weak and disaster relief, life and love, to play the insurance industry risks, the role of people's livelihood and implement corporate social responsibility to promote the "10,000-friendly" business vision a reality.
President of the Asia-Pacific region attended the Shandong branch of large awards ceremony
August 13, 2008, the Sino-British life insurance subsidiary in Shandong Province, Shandong Hall, a large-scale awards ceremony. British shareholders of Aviva Asia Pacific president Michael Shi Meng, president of the Sino-British life insurance Mr. Zhang Wenwei, general manager of the Shandong branch Mr. Xu Longsheng, attended the award ceremony. In the second anniversary of the establishment of the Shandong branch, performance and success, the Sino-British life insurance held a grand ceremony to recognize the company's business to make a significant contribution to the development of elite talent, but also to feel the outside world so that the Sino-British life insurance joint venture in Shandong Life insurance companies in the lead.
Shandong branch of the Sino-British life insurance was established in May 16, 2006, a short span of two years, the Shandong branch of the business has extended to this Jinan, Yantai, Weifang, Tai'an, Shandong, the province's Qingdao City 6, the current Jining Zhaoyuan and marketing services is being developed by the Department. In all of the Sino-British life insurance subsidiary, the performance of tasks to achieve the highest rate in the first, second top-scale premiums. As of July this year, the Shandong branch of premium income to 51% market share in retaining its position as the first life insurance joint venture in Shandong.
In particular, to highlight that the first half of this year by the Shandong branch on behalf of the marketing channels of premium income accounted for a new contract by Shandong marketing on behalf of the market share of 50. After behalf of the marketing model of the Sino-British life insurance industry in the eye-catching achievements in the Sino-British life are all over the success of the experience. In Shandong, also become a leader in this area. Today, the Shandong branch of the Sino-British life insurance market in Shandong has become as an advocate on behalf of the business, agents and trainers. To enter the market, to be held by China and the United Kingdom on behalf of the sales channel for large-scale joint training system, on behalf of the summit, on behalf of the Business Development Forum, has become by the majority of the company on behalf of business development, institutional development of the Navigator. Professional products, quality service and rapid action force to win the same customers and widespread approval. In the past two years, life insurance agents in Shandong premium income showed the trend of rapid growth, 045,000,000 yuan premium in 2006, 2007, 143,000,000 yuan, in the first half of 2008 reached 128 million. Sino-British life insurance market has inspired the leading role and can be seen.
China Life Shandong branch of the British rapid development, and growth has been more British shareholders - Britain's Aviva Group, a high degree of concern. August 13, Aviva Asia Pacific president Michael visited Mr. Shi Meng, Shandong, to attend the "arouse the cast in the first two years," president of the award ceremony for the majority of the Shandong branch of the Sino-British life insurance elite award, "president of Honor Award . " Shi Meng, Mr. Michael said, "insurance sales in the world today is the most challenging part of his job. It requires those who engage in this work and surpass themselves with courage and perseverance, different from those of ordinary people have the patience and perseverance. In Sino-British life, but also for its customers, the community love it. All this is through continuous hard work and the pay can be reached. Today, Shandong, China and the United Kingdom's insurance elite have been through the experience to enhance Even beyond his own, reaching career to a new height, to create a good business performance, but also good to the implementation of the Sino-British '10,000-friendly' business philosophy, in order to provide quality services to customers for the Sino-British Life Established a good brand! "
Shandong branch of the Sino-British life insurance was established in May 16, 2006, a short span of two years, the Shandong branch of the business has extended to this Jinan, Yantai, Weifang, Tai'an, Shandong, the province's Qingdao City 6, the current Jining Zhaoyuan and marketing services is being developed by the Department. In all of the Sino-British life insurance subsidiary, the performance of tasks to achieve the highest rate in the first, second top-scale premiums. As of July this year, the Shandong branch of premium income to 51% market share in retaining its position as the first life insurance joint venture in Shandong.
In particular, to highlight that the first half of this year by the Shandong branch on behalf of the marketing channels of premium income accounted for a new contract by Shandong marketing on behalf of the market share of 50. After behalf of the marketing model of the Sino-British life insurance industry in the eye-catching achievements in the Sino-British life are all over the success of the experience. In Shandong, also become a leader in this area. Today, the Shandong branch of the Sino-British life insurance market in Shandong has become as an advocate on behalf of the business, agents and trainers. To enter the market, to be held by China and the United Kingdom on behalf of the sales channel for large-scale joint training system, on behalf of the summit, on behalf of the Business Development Forum, has become by the majority of the company on behalf of business development, institutional development of the Navigator. Professional products, quality service and rapid action force to win the same customers and widespread approval. In the past two years, life insurance agents in Shandong premium income showed the trend of rapid growth, 045,000,000 yuan premium in 2006, 2007, 143,000,000 yuan, in the first half of 2008 reached 128 million. Sino-British life insurance market has inspired the leading role and can be seen.
China Life Shandong branch of the British rapid development, and growth has been more British shareholders - Britain's Aviva Group, a high degree of concern. August 13, Aviva Asia Pacific president Michael visited Mr. Shi Meng, Shandong, to attend the "arouse the cast in the first two years," president of the award ceremony for the majority of the Shandong branch of the Sino-British life insurance elite award, "president of Honor Award . " Shi Meng, Mr. Michael said, "insurance sales in the world today is the most challenging part of his job. It requires those who engage in this work and surpass themselves with courage and perseverance, different from those of ordinary people have the patience and perseverance. In Sino-British life, but also for its customers, the community love it. All this is through continuous hard work and the pay can be reached. Today, Shandong, China and the United Kingdom's insurance elite have been through the experience to enhance Even beyond his own, reaching career to a new height, to create a good business performance, but also good to the implementation of the Sino-British '10,000-friendly' business philosophy, in order to provide quality services to customers for the Sino-British Life Established a good brand! "
Sino-British life insurance corporation of the second section of the opening of customer service
September, the Sino-British life insurance corporation of the second customer service section in Guangdong, Beijing, Sichuan, Shandong, Fujian, Hunan, Hebei and other places began a two-month festival will be customer service "to enjoy life and treasure life" As the theme of the Sino-British life insurance corporation with customers in the middle of a set of communication, interaction, friendship bridge for delivering the Sino-British life and love and greetings, dedicated to help enterprises become the best employer.
Lectures reflect the necessity of social responsibility
Customer Service Day, a time when 11 gold before the holidays, the Sino-British life and love from the customer's point of view, will be invited to the local fire department, Red Cross and other agencies, to corporate customers hold the "Three-tier precautionary measure" hedge emergency talks urgently Such as evacuation drills, emergency payment of self-help manual. Life in the United Kingdom would like to take this business to help employees to enhance self-protection and emergency response capabilities and improving their ability to save and improve the safety awareness of modern enterprises with a view to stimulating the development of enterprises better deal with emergency plans and take the initiative to take on more social责任.
Sino-British mission has always been committed to risk in order to better carry out its social responsibility. Wenchuan earthquake occurred, the Sino-British insurance corporation as fast as possible to implement the "Three Ones" earthquake relief operation, the struggle to complete 48 hours of Sichuan pay a return visit to all enterprise customers, to various parts of Sichuan, as well as the short message business-friendly, family members Tracing help to make the "post-earthquake health, disease prevention knowledge Q & A" and "psychological counseling after the earthquake handbook" E-journals for employees hold post-disaster psychological counseling to help more people recover and rebuild their homeland's confidence in life.
Mid-social activities to strengthen the exchange of feelings
Mission Support section of this risk every annual Mid-Autumn Festival, for which the Sino-British life insurance businesses will prepare a variety of recreational activities, there are heart-warming barbecue party, the local farm picking style, go back to school The good old days. Innovative recreational activities in the United Kingdom is not only dangerous for the best customer feedback, customers will enjoy a better life brought joy to create a zero distance to communicate with each other a good opportunity for China and the United Kingdom Mission take the risk, understand the needs of To improve the services provided the most valuable information.
Health care services initiatives demonstrate characteristics
Chongyang mountain climbing, red wine Kam goods, mental health lectures, a series of health care activities will also be dangerous mission in the customer service section, colorful stage, the Sino-British life will be in its management of health services for the characteristics of the insurance corporation's customer dedication A healthy meal.
Sino-British life insurance company as a joint venture, has been committed to providing customers with the best service. Concerned about the growth in business customers at the same time, CARE will be extended to the culture of the family business employees, and through a series of value-added services to enable enterprises of every employee and the employer can feel from the Sino-British life care, and help enterprises to upgrade their staff Satisfaction. Sino-British life in practical, flexible, flexible employee benefits plan, employees concerned about the health service as the core mechanism for end-friendly platform for the exchange, joint enterprises and to attract and retain the best talent in cooperation with the interests of corporate clients a win-win situation to help Enterprises to be the best employer.
Lectures reflect the necessity of social responsibility
Customer Service Day, a time when 11 gold before the holidays, the Sino-British life and love from the customer's point of view, will be invited to the local fire department, Red Cross and other agencies, to corporate customers hold the "Three-tier precautionary measure" hedge emergency talks urgently Such as evacuation drills, emergency payment of self-help manual. Life in the United Kingdom would like to take this business to help employees to enhance self-protection and emergency response capabilities and improving their ability to save and improve the safety awareness of modern enterprises with a view to stimulating the development of enterprises better deal with emergency plans and take the initiative to take on more social责任.
Sino-British mission has always been committed to risk in order to better carry out its social responsibility. Wenchuan earthquake occurred, the Sino-British insurance corporation as fast as possible to implement the "Three Ones" earthquake relief operation, the struggle to complete 48 hours of Sichuan pay a return visit to all enterprise customers, to various parts of Sichuan, as well as the short message business-friendly, family members Tracing help to make the "post-earthquake health, disease prevention knowledge Q & A" and "psychological counseling after the earthquake handbook" E-journals for employees hold post-disaster psychological counseling to help more people recover and rebuild their homeland's confidence in life.
Mid-social activities to strengthen the exchange of feelings
Mission Support section of this risk every annual Mid-Autumn Festival, for which the Sino-British life insurance businesses will prepare a variety of recreational activities, there are heart-warming barbecue party, the local farm picking style, go back to school The good old days. Innovative recreational activities in the United Kingdom is not only dangerous for the best customer feedback, customers will enjoy a better life brought joy to create a zero distance to communicate with each other a good opportunity for China and the United Kingdom Mission take the risk, understand the needs of To improve the services provided the most valuable information.
Health care services initiatives demonstrate characteristics
Chongyang mountain climbing, red wine Kam goods, mental health lectures, a series of health care activities will also be dangerous mission in the customer service section, colorful stage, the Sino-British life will be in its management of health services for the characteristics of the insurance corporation's customer dedication A healthy meal.
Sino-British life insurance company as a joint venture, has been committed to providing customers with the best service. Concerned about the growth in business customers at the same time, CARE will be extended to the culture of the family business employees, and through a series of value-added services to enable enterprises of every employee and the employer can feel from the Sino-British life care, and help enterprises to upgrade their staff Satisfaction. Sino-British life in practical, flexible, flexible employee benefits plan, employees concerned about the health service as the core mechanism for end-friendly platform for the exchange, joint enterprises and to attract and retain the best talent in cooperation with the interests of corporate clients a win-win situation to help Enterprises to be the best employer.
Life of the Sino-British Cultural and Education Section of the British Embassy jointly launched the "Sino-British Life" section
Oct. 7, the Sino-British Life Insurance Company in the best cell-wei International Club held a press conference, announced that it would join the British Embassy Cultural and Education Section, co-sponsored the "Sino-British Life" section of education, and strive to prepare carefully through the education section of the five major activities , To customers in the United Kingdom and the United Kingdom to study the public to provide advice and experience of living abroad the opportunity to develop new ideas for family education and to help those in the United Kingdom's intention to study the smooth realization of the dream home.
Planning a better future for families, children's education from the start. Sino-British life insurance, vice president of Julius Wei said that the British education system, well developed, the level of a leading position, the study of England's children's education would be an ideal choice, "the Sino-British Life" section of the family concerned about the future and the idea of the Sino-British Life " 10,000-friendly "business happens to coincide with the vision.
The current "Sino-British Life" section includes five activities: "The Sino-British life" large section of the British education education advisory activities, the United Kingdom before studying abroad will be ready, the Sino-British high-end customers in England special advisory, intermediary to study the legal seminar in Care for the British camp. These activities began in May of this year from across the country come on stream will continue until February 2009, to serve all the coverage of 200,000 customers in the United Kingdom, as well as the broader urban population.
China and Britain have Britain's largest life insurance company Aviva group of blood sources, the British Embassy and the official authority of the institutions of the education section, as opposed to general consulting activities abroad, with more rich, detailed and practical features, At the same time also add a lot of interaction between the elements of experience. For example, the forthcoming from Jinan, Yantai, Nanjing, Shijiazhuang linked to the four major education advisory activities for the Sino-British clients and the general public the two major cities in the crowd were tailored to different activities, through seminars and road shows around the two Form is divided into two days to carry out one after another, to maximize the different needs of the people close; In addition, the Sino-British love summer camp projects, will provide customers with on-site visit to the United Kingdom well-known institutions, their understanding of British education, the opportunity to experience the British Council, To help customers visit Britain to study routes as well as arrangements for school children.
At the same time, the Sino-British life has its own international background and professional strengths, "the Sino-British Life" section of participants in the tailor-made insurance products, including the provision of security outside of the "Sino-British life insurance to travel outside the accident and emergency Rescue medical insurance plan, "and be able to do a good education for their children's gold reserves" superior life. "
"Sino-British Life" section of the extension of the Sino-British life since the establishment of the community to actively promote the public good, responsible corporate citizen tradition. Sino-British life insurance companies in five years, the rapid development made remarkable achievements, the further integration of various public welfare activities in the past practice of resources, actively into the cause of public education, try this from the point of concern for the future of every Chinese family, in passing British love to shape a more mature and clear-cut corporate image of the public.
Planning a better future for families, children's education from the start. Sino-British life insurance, vice president of Julius Wei said that the British education system, well developed, the level of a leading position, the study of England's children's education would be an ideal choice, "the Sino-British Life" section of the family concerned about the future and the idea of the Sino-British Life " 10,000-friendly "business happens to coincide with the vision.
The current "Sino-British Life" section includes five activities: "The Sino-British life" large section of the British education education advisory activities, the United Kingdom before studying abroad will be ready, the Sino-British high-end customers in England special advisory, intermediary to study the legal seminar in Care for the British camp. These activities began in May of this year from across the country come on stream will continue until February 2009, to serve all the coverage of 200,000 customers in the United Kingdom, as well as the broader urban population.
China and Britain have Britain's largest life insurance company Aviva group of blood sources, the British Embassy and the official authority of the institutions of the education section, as opposed to general consulting activities abroad, with more rich, detailed and practical features, At the same time also add a lot of interaction between the elements of experience. For example, the forthcoming from Jinan, Yantai, Nanjing, Shijiazhuang linked to the four major education advisory activities for the Sino-British clients and the general public the two major cities in the crowd were tailored to different activities, through seminars and road shows around the two Form is divided into two days to carry out one after another, to maximize the different needs of the people close; In addition, the Sino-British love summer camp projects, will provide customers with on-site visit to the United Kingdom well-known institutions, their understanding of British education, the opportunity to experience the British Council, To help customers visit Britain to study routes as well as arrangements for school children.
At the same time, the Sino-British life has its own international background and professional strengths, "the Sino-British Life" section of participants in the tailor-made insurance products, including the provision of security outside of the "Sino-British life insurance to travel outside the accident and emergency Rescue medical insurance plan, "and be able to do a good education for their children's gold reserves" superior life. "
"Sino-British Life" section of the extension of the Sino-British life since the establishment of the community to actively promote the public good, responsible corporate citizen tradition. Sino-British life insurance companies in five years, the rapid development made remarkable achievements, the further integration of various public welfare activities in the past practice of resources, actively into the cause of public education, try this from the point of concern for the future of every Chinese family, in passing British love to shape a more mature and clear-cut corporate image of the public.
Additional women on a regular basis major sickness insurance
Insurance features:
Insurance on a regular basis to ensure a comprehensive and fully embody the true meaning of insurance
28 kinds of major diseases security, with special attention to your health
Tailored specifically designed for women, more personal
Classification of Diseases major benefit, saving your insurance premium expenses
After the premium exemption responsibility remain in force and reflects the love of humanity
The policy of short-term loans for your money transfers
□ analysis of the legend:
□ legend:
30-year-old female, insurance period to 50 years old, 20-year payment, the amount of 100,000 yuan insurance
Premium expenditures: pay 530 yuan per year
Insurance benefits:
Disease protection: the policy into effect 90 days from the date of death due to disease or a class or category of major diseases, interest-free return of the premiums paid by the insurance termination of the responsibility
As a result of accidental injuries suffered at the beginning of a major disease category, or at the office from the date of entry into force 90 days after the beginning of suffering from the disease as a result of a class of major diseases, a class to be eligible for re -
Large disease insurance 80,000 yuan
As a result of accidents suffered injuries early in the second category of major diseases, or at the policy into effect 90 days from the date of the beginning of the disease as a result of suffering from serious diseases II, to be eligible for re-II
Large disease insurance 20,000 yuan
Death insurance: if a major disease to receive any insurance, accident or death insurance policy from the date of entry into force 90 days after the death of the deceased may have insurance 100,000 yuan
Over the content of insurance for customers to understand the terms used, the contents of insurance are the official insurance provisions shall prevail.
Additional Accident Insurance
Insurance:
During the additional responsibility of the insurance contract is in force, the insurance company to assume the following responsibilities:
First, accident insurance death
The insured as a result of injuries from the accident, and since the accident occurred on the date of death in 180, according to their accidental injury insurance companies pay the amount of "accidental death insurance", the insured liability insurance termination .
Second, accident disability insurance
The insured as a result of injuries from the accident, and since the date of the accident caused 180 of the additional contract attached to the "degree of disability and the proportion of payment" or "burn three times and the ratio of payment" included in the disabled One of the extent, the Company listed in the table according to the proportion of pay multiplied by the amount of accidental injury insurance payments "accident disability insurance." If the treatment has not yet ended, according to the date of the accident第一百八十日body to conduct identification of disability, and to pay disability insurance.
The insured in the same accident as a result of injuries caused by "the degree of disability and the proportion of payment" and "Burn three times and the ratio of payment" included in the degree of disability for more than two persons, the company paid all of the disability insurance and . However, different projects for the disabled in the same hands or feet in the same time, pay only a disability insurance; if their disability level of disability Project is not at the same time, the project paid a more serious disability insurance.
The accident led to the injuries of the previous merger of the disabled for the disabled can get more serious projects disability insurance, according to the standard benefits of a more serious project, but have been previous disability insurance benefits (insurance, or who had the responsibility Remove the matter due to "the degree of disability and the proportion of payment" and "Burn three times and the ratio of payments" has been listed as disability insurance benefits for the disabled) should be deducted.
The same insured person's death accidental disability and accident insurance to pay a total of the insured person's "accidental injury insurance premium" is limited.
Third, traffic accident death or disability insurance in particular
The insured to the identity of passengers by public transport passenger during the accident suffered injuries, and since the accident occurred on the date of death in 180, the first company on the basis of "accidental death insurance," the amount of payment Special traffic accident death insurance.
The insured to the identity of passengers by public transport passenger during the accident suffered injuries, and since the date of the accident caused 180 of the contract attached to "the degree of disability and the proportion of payment" or "burn three times with the benefit The proportion of "listed in one of the degree of disability, the company on the basis of the second set by" accident disability insurance, "the amount of traffic accidents pay special disability insurance.
Fourth, the whole accident disability insurance auxiliary
The insured as a result of injuries from the accident, and since the date of the accident caused 180 of the additional contract attached to the "degree of disability payments and the ratio of" the degree of disability listed in one of the first level, the Company since Identification confirm the date, according to the daily "accidental injury insurance premium" pay 0.2 percent of the 365 accidents on the all-residue-assisted insurance. The insured in the accident to receive full disability grants during the period of death, the responsibility for the termination of insurance payments.
□ rates:
Unit: RMB yuan
Rate
Occupation
Spouse
Children
A class
II
Three
Four
5
Six
The basic insurance amount of 10,000
23
29
35
52
81
104
29
52
Members of the International Marketing Ping awarded Quality Award
A (Reporter Dushku) on January 9, the U.S. life insurance marketing association in Shanghai to the safety issue more than 4,000 members of the International Marketing Quality Award (that is, IQA). The number of award-winning accounting Pingan sales force of the total manpower of about 1.9 percent. This is the first time in the marks awarded in the life insurance practitioners have excellent quality and credibility of the industry awards.
Corporation deputy general manager of Ping, Wang Li-ping, chairman of Ping An Life Insurance in his speech said that since last year, to take active measures to peace consolidation and strive for quality business, which will be safe in the future for a long time the focus . IQA is the introduction of peace to strengthen sales force is an important quality control measures.
IQA each year to apply for one of its targets for sales of high-quality individuals engaged in the sale of life insurance salesman. IQA standards in 2002 to apply for the following four conditions: First, in 2001 a total of 13 months the number continues to rate more than 90%; II in 2000 and 2001, the number two in more than 40; three high quality, no adverse Records of complaints; four must be working full-time life insurance business.
Ping North Branch a total of more than 300 awards have been here, carbon Song award.
Ping An Insurance to launch online payment service
Ping An Insurance announced the introduction of 23 on-line business to pay premiums. China Merchants Bank as long as the policy holder and holder of the bank cards, individual life insurance to pay the premiums for renewal when the company can log on Ping'an site, on-line query their policy status, self-help to pay premiums for renewal.
Ping An Insurance of the person in charge of the project, the business is working for the majority of customer time, less free time of the launch of the situation. In China today has opened on-line payment of the cities Beijing, Shanghai, Guangzhou, Shenzhen and other cities in more than 20. This will also be further expanded.
Sansi Shi-year-old how to buy insurance?
There is a saying, "There are days of the ominous clouds, there were good and bad fortune overnight." In fact, a person's birth, is faced with a risk society. And one adult from the start in life at all stages of a bear different social responsibility. Some people have joked that there are three major modern worries First, for too long to live, with their own money Second, go early, with family money Third, the twists and turns in the middle, we use the money. Although a joke, but there is a certain logic. In that case, if the insurance from the point of view, everyone in every phase of life, it is necessary to do a good job for their own "security risk" to allow life insurers to become all stages of life barriers.
25-year-old to 30-year-old life on a regular basis + accidental injury insurance at this stage is a single stage, but also business, is also one of the golden age of health, economic independence, the necessary economic responsibility is a relatively small. As a young man, when the demand for insurance should be mainly self-protection. The inexperienced young man, not a very stable income, mainly from the risk of accidental injuries, especially drivers, it can choose an additional life insurance on a regular basis accidental injury insurance, in the event of an accident or death due to illness, for family members, Parents to provide funds or a basic cost of living. During this period, old-age insurance can be slowed, more stable income, such as when to buy based on financial resources. Taking a panoramic view of the market, the insurance company has its own characteristics with the life insurance and accident insurance, accident insurance and additional years of general insurance premium to pay only several hundred dollars, "the smaller the age, the cheaper the premiums."
30-year-old to 40-year-old investment-type life insurance dividends + + children's accident insurance risk at this stage in life is a major turning point in the stage. Many people choose to get married around the age of 30, after the insurance needs to be escalated, at the same time also increased the financial management of the new concept. As the insurance industry, a lot of insurance products not only provide security, but also can be a financial management tool. At the same time, the stage is the stage of parents, children born to a family, and even referred to as "epoch-making" changes for the next generation to cultivate and nurture the whole family to become the most important thing. At this point, both husband and wife, either an accident, the entire family, as well as the impact of child life are great. Therefore, at this stage, life is the heaviest responsibility, the highest demand for insurance.
As a result, the entire family from the perspective of risk selection of insurance products, first of all, in order to ensure the healthy growth of children, as parents have the appropriate security, because in the early stages of life, parents are the best security barrier, the spouse who Or unable to work, it will greatly affect family life insurance at this time of the design, the general family of the main pillars of the economy mainly. Both husband and wife can choose to protect the life of higher life insurance and certain additional medical insurance and accident insurance. At the same time, consideration should be given to the future of pensions and housing loans, economic conditions permit, they can also choose to invest in dividend-type products. Second, the insured can choose for their children. To buy insurance for their children's education fund to be based on the children's risk insurance is designed for children are included in the next phase of the capital for development.
Need to be reminded that, not only for children insured at the expense of the protection of adults, if adults are accidents, for the purchase of children who are going to pay the insurance premium? If you do not pay premiums on time, then the children will not enjoy Corresponding to the interests of the insurance.
Policy loans into new personal finance
A couple with 2 copies of insurance policies, the loan insurance to 380,000.
Recently, who lives in Tianhe District, Mr. Shen encountered such a problem: As the much-needed money, he had to buy from the bank, and 80,000 yuan worth of savings-type insurance dividends surrender in advance, because the policy only lasted a year, insurance companies Mr. Shen refund of about 73,000 yuan, which Mr. Shen that the practice of insurance companies of their own is unfair.
Objectively speaking, Mr. Shen insurance awareness has yet to be improved, because if he can be the mortgage insurance to insurance companies, he will be able to loan sufficient funds to meet their urgent needs, and this policy is to borrow. Reporters observed that this new personal financial management tool for the new popular gradually, personal finance has become an alternative "winding streets".
What is the loan policy?
To put it simply, the life insurance policy loan is for certain insurance products offered by the borrower function. Insurance is different from current savings, you can access at any time, and will not affect the principal. In general, life insurance to pay for a longer period than that, especially in the insurance a few years ago, if the proposed surrender, there will always be some loss of customers. Therefore, in order to allow customers to insurance companies in times of economic distress not by way of surrender in exchange for cash, in particular, made use of life insurance policies as collateral loans from insurance companies.
Specifically, in the life insurance contracts, insurance policies have a certain cash value can be insured by the adoption of a written application in the form of loan applications submitted to the insurance company (if insured and the insurer of the same people to be insured Signed consent). At that time, roughly equivalent to the amount of loan insurance policies have been deducted from the cash value of the non-payment of premiums and interest, after the balance of the loan and interest of 70% to 80%.
"Repay the amount of time and very flexible, and depends entirely on the customer's own decision." Safety Guangzhou Branch Customer Service Miss Zhang Hua, per-customer loan for a period of six months, but as long as an effective policy to pay each time the expiration of When they pass through the repayment of loans so that the interest of renewal, renewal every six months and renew the same unlimited number of times.
As a result, insurance companies offer insurance policy loans, life insurance policies on the one hand, given the mobility and increase the added value to attract customers popularity; On the other hand, it has become increasingly personal financial services market, a new tool for customers Temporary financial difficulties, have the option of a better way, although the need to assume a certain degree of interest, but can meet their urgent needs.
Trouble can be lost.
During the loan borrowers there have been accidents how to do? In October last year, Guangzhou Dongshan District, Mr. Lee because of the need to finance, he has a sum insured is 200,000 yuan of long life insurance policy, applications for insurance policies on the basis of his cash value to the He credits the more than 40,000 yuan. Unfortunately, three months after the accidental death of Mr. Lee. According to the insurance contract provided for insurance companies to deduct the loan principal and interest, to his family paid the more than 150,000 yuan.
It was a life insurance company manager, Mr. Wu, the last two years in borrower's loan during the accident and disease have killed 3, the maximum extent possible to protect the interests of its clients. Customer loans in the period, in case of survival to receive, such as refund, the borrower when the principal and interest greater than or equal to the amount by the policy, the company will not have to notify the customer will pay principal and interest payments directly to repay loans. The claims of customers, will pay the insurance money.
Not all insurance policies can be introduced, according to the borrower, not all of the insurance policy may borrow only with the nature of savings, life insurance, dividend-based insurance and pension insurance, pension insurance, life insurance contract can apply for loan insurance policies, and accident insurance, health Insurance, investment insurance and universal life insurance, as the cash value does not exist or can not control fluctuations in the value of cash and therefore do not have the pledge of loans.
The insurance policy can borrow, as long as the insured to pay premiums for more than a year, can be used for mortgage. Because life insurance premiums to pay a certain period of time, we will accumulate a certain amount of the cash value of insurance no matter whether the accident occurred insurance, regardless of whether the policies remain in force, has been part of the accumulated cash value is not lost, the insured Can at any time requiring the company to return part of the cash value of the claims in order to achieve.
In general, the loan can not exceed the amount of insurance at the time a certain percentage of the cash value, generally around 80 percent. Policy loan interest charges relatively fixed interest rate based on the different types of borrowing will be different.
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