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A fundamental change in an industry often requires the use of external forces to introduce new technologies or ideas and produce essential changes. Since the third-party payment was introduced into the insurance market, it has promoted the integration of the insurance industry and the Internet due to its impact on various aspects of the insurance industry, from sales to product innovation. From the perspective of the current mode of cooperation between third-party payment and insurance industry, the continuous deepening of the cooperation level has gradually changed the traditional insurance industry ecology.
Together, it will seize the cooperation between the insurance company and the third-party payment company. The direct driving force comes from the online sales model to increase the profit generated by insurance companies. Compared with traditional bancassurance cooperation and sales channels, fierce channel competition and high channel costs make insurance companies look to online sales channels. With the efficient and convenient electronic payment function, the third-party payment company ensures settlement security and transaction credit, and promotes the rapid expansion of the online sales business by realizing the rapid operation of the capital chain.
A model of third-party payment and insurance company cooperation is the cooperation between Guohua Life Insurance and Taobao Alipay in 2012. By joining forces with Taobao, Guohua Life Insurance's innovative and revolutionary universal insurance products have set a sales volume of “three days and one hundred millionâ€. This huge market benefit has also attracted many insurance companies to participate in follow-up. According to industry analysts, for small and medium-sized insurance companies that do not have the strength to build a proprietary network platform, the third-party platform can eliminate huge costs such as pre-system development.
“Traditional bank insurance cooperation channels are a kind of face-to-face sales, and the cooperation between insurance companies and third-party payment is non-meeting sales, the cost of sales is reduced and the Internet has a wide coverage of the target population, which is the basis for the cooperation between the two parties.†The head of the department said that third-party payment and insurance cooperation is a very successful case of Internet finance development.
In the traditional channel, the contact with customers is the insurance company sales staff or bank personnel. The huge marketing system represents a huge cost, while the online sales are the contact between the customer and the insurance company, saving transaction links and a large amount of commission and agency fees. This sales advantage has greatly improved the sales performance of Internet insurance. According to market data, the insurance network direct sales through third-party payment has a customer conversion rate of about 1% to 2%, while the traditional telephone direct sales customer conversion rate is only four-tenths to five-tenths.
However, the use of third-party payment companies for online sales also has limitations that cannot cover all types of insurance products. China Life Insurance (market, inquiry) market related people said that online sales of insurance products are mainly "short, flat, fast", such as financial or accident insurance products, the general period is shorter, no need to carry out Complex underwriting and medical examination procedures, the design of the terms is relatively simple. Remittance to the world said that its cooperation with insurance companies is mostly standard insurance products, such as dividend-type life insurance, and some insurance products with complex or customized terms still need face-to-face offline sales.
It is understood that insurance products sold through third-party online platforms are mainly concentrated on products such as accident insurance, home property insurance, health insurance, auto insurance, etc., which are easy to understand, fixed and easy to calculate, and clearly defined and easy to define.
The pos machine handles http://www.POSjipay.com/
Together, it will seize the cooperation between the insurance company and the third-party payment company. The direct driving force comes from the online sales model to increase the profit generated by insurance companies. Compared with traditional bancassurance cooperation and sales channels, fierce channel competition and high channel costs make insurance companies look to online sales channels. With the efficient and convenient electronic payment function, the third-party payment company ensures settlement security and transaction credit, and promotes the rapid expansion of the online sales business by realizing the rapid operation of the capital chain.
A model of third-party payment and insurance company cooperation is the cooperation between Guohua Life Insurance and Taobao Alipay in 2012. By joining forces with Taobao, Guohua Life Insurance's innovative and revolutionary universal insurance products have set a sales volume of “three days and one hundred millionâ€. This huge market benefit has also attracted many insurance companies to participate in follow-up. According to industry analysts, for small and medium-sized insurance companies that do not have the strength to build a proprietary network platform, the third-party platform can eliminate huge costs such as pre-system development.
“Traditional bank insurance cooperation channels are a kind of face-to-face sales, and the cooperation between insurance companies and third-party payment is non-meeting sales, the cost of sales is reduced and the Internet has a wide coverage of the target population, which is the basis for the cooperation between the two parties.†The head of the department said that third-party payment and insurance cooperation is a very successful case of Internet finance development.
In the traditional channel, the contact with customers is the insurance company sales staff or bank personnel. The huge marketing system represents a huge cost, while the online sales are the contact between the customer and the insurance company, saving transaction links and a large amount of commission and agency fees. This sales advantage has greatly improved the sales performance of Internet insurance. According to market data, the insurance network direct sales through third-party payment has a customer conversion rate of about 1% to 2%, while the traditional telephone direct sales customer conversion rate is only four-tenths to five-tenths.
However, the use of third-party payment companies for online sales also has limitations that cannot cover all types of insurance products. China Life Insurance (market, inquiry) market related people said that online sales of insurance products are mainly "short, flat, fast", such as financial or accident insurance products, the general period is shorter, no need to carry out Complex underwriting and medical examination procedures, the design of the terms is relatively simple. Remittance to the world said that its cooperation with insurance companies is mostly standard insurance products, such as dividend-type life insurance, and some insurance products with complex or customized terms still need face-to-face offline sales.
It is understood that insurance products sold through third-party online platforms are mainly concentrated on products such as accident insurance, home property insurance, health insurance, auto insurance, etc., which are easy to understand, fixed and easy to calculate, and clearly defined and easy to define.
The pos machine handles http://www.POSjipay.com/
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