| Because of the recovery of the insurance industry the life insurance industry has made rapid development in China's development,.Life insurance market has become a part of the finance and the China economy.Because of late the insurance industry,the degree of development is also behind,this market is still a huge capacity.Simultaneously,the further expansion of the number of life insurance companies also makes the market competition more intense.As the basis of market competition,the product is the cornerstone of life insurance companies.With the economy development and the times progress,life insurance products also experienced the process of development: both security and savings insurance for the development of the simple life insurance products for leading the common development of accident and health insurance and other personal insurance business situation,the insurance needs of people can be satisfied.Meanwhile,we must be conscious of the gap between China's first market.Now China's life market operation: the sales mode is similar,agency team is basically the same,immutable and frozen management.Chinese consumers' demand for life insurance products is becoming more and more personalized and diversified.Therefore,at present,China's life insurance products can't satisfy the current market.Almost everyone can realize that China's life insurance market is a huge potential market,if you want to compete in the future to seize the initiative,we must take the different business routes.The article takes the product strategy as the study subject,through the insurance products,to analyze the path and method of the innovation strategy of the Taiping Life insurance products.First of all,the paper makes a brief summary of the relevant theory of life insurance innovation strategy,which is the foundation for the research and concrete design of the innovation strategy of the Taiping Life insurance products.Then analyses the TPL product life cycle and the strong points and shortcomings,opportunities sand threats and other internal and external conditions.Taiping Life commodity in the market there is no advantage.From the current life insurance product optimization design,innovative product payment way to enter the new business field and play the Internet channel three ways to make a specific plan for the product innovation strategy of Taiping.At the article end,the principle of product innovation strategy implementation and security measures are also briefly described.This article has certain guiding significance for the future product innovation of Taiping Life,and it also has certain of reference significance for other life insurance companies. |
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