Research On P Company's Life Insurance Product Mix Based On Joint Analysis

With the development of city of our country social economy development,people's living standard has been improved at the same time social life pressure is increasing,less personal insurance products have entered the market from the beginning of my interest into today more and more consumers accept.However,compared to the developed developed countries,China's personal insurance market is still relatively weak in terms of product provision and links.For example,the market appeared in numerous consumer hot pursuit of Hongkong insurance but often face regulatory issues or insurance because many management details cannot be obtained by different claims and other phenomena,reflects the demand of insurance consumer market and the existing products can not meet the consumers demand phenomenon.How to design products that consume the demand and how to choose products that are suitable for themselves are the questions that insurance products providers and insurance products consumers need to think about.This paper investigates the consumer preferences of personal insurance products with the help of joint analysis.The product attributes of consumer attention is determined by the depth interviews and other research methods,according to the market demand and the feasibility of combining the principles to determine the attribute level,virtual product profile was determined by orthogonal design method,is designed based on personal demand questionnaire,then the questionnaires for data collection,the the importance of consumers of each attribute of the sort,and compare the effectiveness of different consumer groups in the attribute level difference,so that different consumer groups for personal portfolio preference model.Finally,the corresponding suggestions are given to the consumers,product agents and product suppliers respectively.