Recently, reporters from the channel was informed that the first three quarters of a Shanghai insurance premium income of 12.0 billion, an increase of only 8% growth rate significantly lagged behind the life insurance market with an average increase of 50%. In addition to country life, but negative growth, the Chinese-funded life insurance companies to show strong growth, an increase of more than bodies of more than 100%.
Chinese-funded force of life insurance
Shanghai Insurance Association statistics, Shanghai's life insurance market top six are: peace, the country life, healthy people, Xinhua, Taikang, Taibao. The country's second ranking market is the only life-insurance business fell, due to the emergence of the premium for renewal of 280,000,000 yuan of negative growth, dragged down a dangerous drop in the same period last year to reach 10%. 5 000 other insurance companies were safely increase the risk by 17%, 400% healthy people, Xinhua 100%, 32% of Taikang, Taibao 15%.
In addition, the life of a union of the two life insurance companies increased by over 100%, the people's livelihood Life has 84% growth. To help a number of high-speed growth of Chinese-funded life insurance company ahead of schedule at the beginning of the development of the insurance business plan. If the Xinhua Life Insurance, and Shanghai on October 15 as a risk premium income 200,000,000 yuan, the annual target ahead of schedule.
In contrast, our allies, in order to develop a macro risk-based foreign life insurance companies, the business development this year are less than satisfactory. AIA insurance premium income of 1,450,000,000 yuan, an increase of just over 200 million; a risk premium in Hong 620,000,000 yuan, an increase of only 6%; in conjunction Dean, Jinsheng, fidelity and so on more than 000 foreign life insurance Insurance or even negative growth. Shanghai foreign investment in life insurance, only the Pacific (601,099, it shares) and the Aetna 21% of the Thai city of 66% increase in Chinese-funded companies and has been able to match.
A human can get the market
Marketing is a member of the scale of the decision of insurance a key factor. While the Shanghai market, nearly 8,000 people each year to maintain the additional manpower, but a high percentage of the rate of loss of human seriously hindered the growth of the total. As of this year by the end of August, the total number of members of the Shanghai insurance market continued to maintain less than 42,000 people, compared with the end of last year did not significantly increase.
At present, Ping An, the country life, Taibao, AIA has 4 marketing staff about the size of the city for more than half of the total. The safety has a number of marketing staff in the city accounted for about a quarter of a share of the insurance business reached 47 percent of the city.
It is learned that Shanghai, Xinhua Life Insurance Marketing Services 8, a total of book marketing staff in 1549, compared to the same period last year increased by 50%, of which about 80 percent effective manpower. Efforts to sprint is still a risk of new indicators on life insurance Taibao, the existing marketing staff over the scale of 2100, and strive to increase manpower at the end of 30%.
Members continue to increase at the same time, curb the marketing staff is particularly important shedding rate. Xinhua Life on the relevant sub-said, adding the new company, in business to meet the monthly basic salary given after examination to ensure that the new Division into the post-1500 yuan to have a basic income to meet their survival needs, improve the retention rate.
Insurance decisions per capita production capacity
Members of the marketing capacity of insurance is to determine the size of the other side, insurance sales and per capita production capacity of the decision key. In the first three quarters, the life insurance on a new contract at a total of 748,000, is safe in the same period of 4 times the size of the premium less than half of the peace. The key to peace lies in each of 6000 yuan from the sale of universal risk insurance as a main product, and the country to sell life insurance premiums were relatively small risk of dividends and accident insurance.
The same benefit from universal life insurance also Xinhua. Xinhua Life according to the relevant sub-head, in March, "Extreme dual benefit of" double universal insurance settlement after the market has been rapid market acceptance, sales of premium income on the first day of the realization of 13,710,000 yuan, the Human up to 333 single-person, per capita payment period Premiums 38,919 yuan. So far this year, companies marketing their average monthly production capacity has reached 14,000 yuan, ranking first in the life insurance market in Shanghai.
Foreign life insurance be affected, the stock market downturn is even vote hindered the insurance sales. In the first nine months of Jinsheng risk insurance business of the new contract a total income of 100,000,000 yuan, over the same period last year, only 50%; insurance from the point of view, the company's main business even for the same period last year insurance premium income by 1.2 billion, if continued deduction Increase of 20,000,000 yuan, equivalent to just 000 for loss of business insurance premiums 100,000,000 yuan.
Guard against misleading, high-growth
The operation of the leading enterprises are usually a true reflection of the development of the industry. Shanghai occupies nearly half of the market risk out of the safety of the anti-market prices, an increase of 17% of the market is already twice the average growth rate. However, peace on the telephone harassment, complaints of misleading and business go hand in hand. And as early as 2005, Ping An Life Insurance, general manager of the Shanghai branch as a result of universal insurance sales to mislead the severe, the authorities have been ordered to be replaced.
Life insurance sales this year, the China Insurance Regulatory Commission is misleading life insurance regulatory work, the vast majority of insurance companies developed a strict management system, marketing staff. In order to prevent the blind pursuit of marketing staff to increase productivity, insurance companies use in-house "Basic Law" strict control on behalf of the signature, misleading sales, referred to the documents, embezzlement occupation of the premium (Gold), and other marketing staff irregularities found would be fine, warning, Demerits, labor contracts until the penalty.
Marketing alone can assessing member of the business, should also be integrated into the quality and business value of the quality of the evaluation criteria. It is reported that Xinhua Life Insurance, and a year of marketing staff in accordance with the completion of its monthly business indicators of qualified manpower is divided into two types of human performance and that the former clerk to the implementation of core operating income targets examinations; the latter accounted for 40%, Honor marketing evaluation and incentive system to enhance performance of the staff a sense of belonging and a sense of value.
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