Research On Comparative Evaluation Indexes Of Life Insurance Products Of BB Insurance Platform

In recent years,with the rapid development of China's economy and the continuous improvement of the insurance industry.According to statistics from the China Banking Insurance Regulatory Commission,premium income has continued to grow in recent years,the insurance industry has grown steadily,and residents' insurance awareness has increased.The continuous economic and social development has stimulated the further release of insurance demand.Insurance is gradually known and accepted by people.With more and more insurance companies,insurance products are naturally enriched.A type of insurance may often have several products available for selection in a company.However,the problem that comes with it is how to select satisfactory products among the numerous insurance products in the insurance market.In the insurance industry,the core terms are different.Some agents do not have a deep understanding of the insurance clauses,and even KPI-driven misleading recommendations.At this stage,domestic research and application of comparative studies on life insurance products to help consumers provide reference when purchasing life insurance products are less.For ordinary consumers who lack insurance expertise,it is very meaningful to establish a universal evaluation index of life insurance products,promote the rational development of the domestic life insurance industry,and provide reference for ordinary consumers when comparing life insurance products.of.In recent years,in the documents issued by the China Banking Insurance Regulatory Commission,it is strongly advocated that insurance be returned to the protection-type business.This article first analyzes the life insurance products of the BB insurance platform,and analyzes the product's comparative evaluation index from the functions of the life insurance product's savings function and risk protection function.Consumers can refer to these comparative evaluation indicators for a simple and quick comparison when selecting insurance products.Then the comparative evaluation index obtained from the case analysis uses the simple and relatively scientific method of level analysis to calculate the weight of each indicator for the target layer,and quantifies the importance of these comparative evaluation indicators in the evaluation system.In this way,consumers can comprehensively consider which product to purchase based on the relative importance of each indicator and their own needs.Due to the large amount ofdata that is difficult to find,this paper has selected more than 100 insurance companies for more than 100 major disease insurance products.The analytic hierarchy process was used to calculate the weights of various comparative evaluation index factors that affect critical disease insurance.And sort of these 100 products.The article consists of five parts.The first chapter describes the research background and significance of this article.And analyzed the research status of relevant aspects at home and abroad.Explained this article's research methods,innovations and deficiencies.The second chapter mainly describes the theoretical knowledge related to life insurance.Chapter 3,through a case study of BB insurance platform.It mainly analyzes the comparative evaluation indicators of protection-type life insurance products and savings-type life insurance products.In the fourth chapter,we use the MATLAB to calculate the relative weight of the comparative evaluation index of the major disease insurance products in the insurance evaluation system.And sort the products.Chapter 5 It summarizes the full text and looks forward to the future.