Life Insurance Precision Marketing Strategy Based On Data Mining

The local insurance company organizes to configuring after more than 30 years of quest and development gradually perfect,carry a camp management gradually flowing freely,personnel's troops is gradually huge,the income profits gradually increases.Different from other traditional professions,the product kimono of insurance profession works all for satisfying the person's need and seives.Therefore,insurance company when the scale extends,also backlog customer's resources of amount of sea.The management of the insurance company the decision makers also realize gradually that customer's resources is a company wealth and property of invisible.For collecting customer's information,processing and application,not only can make stronger business enterprise existing business scale,keep customer from running off.Can also develop new business,the perfect customer guarantees and carries out an income growth.So,more and more of the insurance company start leading go into with development customer management system,build up the information of the customer who acrosses section consociation analytical chain,build customer's movable platform and feedback system,add and customer's scale running off have already brought into company core to investigate index sign.The traditional theory thinks the customer runs off to reduce 5%,will increase business enterprise profits more than 25%.In this text,the solid example of the customer who quoted from China company.The China span of life establishes since decade,personal business section total amount gets guest's 776 myriad people,but currently still availably customer is 464,have compare 60%.The elucidation nearly includes the customer of 40%midstream to lose during the management of the company..Big part all because the company didn't support.The effective customer of company counts medium to purchase an insurance policy to have to 85%.The research expresses that the customer purchases an insurance policy number more than three,running off the rate will descend 80%,and two cost expenseses of developments are also far less than the expenses that the new customer's relation builds up.The current society accompanies with the fast fierce development of information technique and high performance calculator.The concepts,such as"big data" and"cloud calculation"...etc.People for miscellaneous disorderly have no chapter and extensive and limitless data,explore and tally up regulations in it,have never known thus with obtain knowledge in the hidden thing.But the insurance profession can scoop out technique good fusion with data,insurance company millions customer's informations pass a data excavation technique to discover that the customer consumes the regulation of behavior habit,one by one of realization precise marketing;There has been currently of the research mostly make use of connection rule of the method investigation cross sale's application in the insurance industry,the dint diagram sets out from the angle of business and passes connection analysis and discovers that the customer purchases the latent rule of insurance product and is purchased higher product of frequency to combine at the same time.But truely set out an actual situation of discussing to cross the sale from customer's angle research is on the contrary number not much.This text makes use of data excavation in the development a little bit early apply of K-all the value gathers the method of a type of analysis,China customer according to the census taking characteristic,consume the information and feedback information is divided into 6 major types,to the community analysis of each customer it consumption characteristic and consumption habit,and the concrete characteristics aiming at each customer clarify to form this kind of reason that the consumption is used to.At the same time,aim at company new customer many,run off the characteristics for having great capacity.Innovation of put forward to guarantees and brings the company the income towards carrying on crossing of insurance sale and deep development to each customer after customer subdivide,thus perfect customer again.