On December 3, iCloud Insurance’s “2020 Internet Insurance New Knowledge Conference and the Second Insurer’s Day” opened in Shanghai. Many experts analyzed the current living conditions of Internet agents from a real and intuitive perspective. Actively embrace the technological environment; aging will not only bring premiums and reduce risks to the insurance industry, but also bring opportunities. At the
meeting, Du Zengliang, member of the Party Committee and General Manager of China Banking and Insurance Media, said in his speech: “Technological innovation promotes changes in consumer habits and consumption scenarios. This also requires our insurers to keep up with the changes of the times and take the initiative. Integrate into the new technological environment and use technology to empower marketing to provide consumers and users with products and services that are more in line with users’ new consumption habits and better serve users’ consumption needs."
Director of Population and Development Policy Research Center, Shanghai Sociology Vice President Peng Xizhe mentioned: “Under the impact of the aging population, insurance companies will face the risk of lower premiums. On the other hand, the aging trend also brings opportunities for the insurance industry. More and more people are opening up insurance awareness. , Recognize the importance of insurance pension and annuity pension."
Under the influence of the dual trend, Xu Mingqi, a researcher and doctoral tutor at the Shanghai Academy of Social Sciences, believes that insurance will undergo a qualitative change when the per capita GDP exceeds the US$10,000 mark. In order to meet the richer and more diversified consumer insurance needs, insurance practitioners must, to some extent, use Internet technology and use more intelligent means to replace traditional business habits, which will also give the label "traditional" The insurance industry has more opportunities for development, while providing practitioners with more opportunities to increase income.
In such an external environment, whether the traditional organizational model is suitable for the development direction and business habits of modern insurance agents is still debatable, but there are many innovators exploring new models and new teams. For example, in addition to integrating insurance technology into the front, middle and back offices of insurance, iCloud Insurance has also explored the organization model of agents through technology empowerment, created a new type of organizational structure, and created the "Starry Sky Plan" to explore the role of insurance agents. In the new era, can we achieve higher business efficiency by establishing a division of labor team?
