| With the continuous progress of science and technology,Internet,big data and other terms have become current economic hot spots,and "Internet +X" mode has become the choice of The Times.All life insurance companies and life insurance intermediary companies are actively exploring the marketing road suitable for the new environment.In this context,the "Internet + life insurance" marketing model emerged as a supplement to the traditional life insurance marketing model.According to statistics,by the end of 2017,the life insurance premium income from the "Internet + life insurance" marketing model reached 135.279 billion yuan,accounting for 6.31% of the total life insurance premium income.The number of life insurance companies carrying out the "Internet + life insurance" marketing mode has also reached 117.Therefore,in this economic and social environment,it is of great theoretical and practical significance to study the development of China's "Internet + life insurance" marketing model.The rise and popularity of the "Internet + life insurance" marketing model has two major influences on the life insurance industry.First,life insurance companies can use the Internet to optimize and improve the traditional life insurance business model,reduce operating costs,improve operating efficiency and win more customers.Second,it creates new demand for life insurance.Traditional life insurance products cannot meet consumers' new demand for life insurance due to their own characteristics in the Internet environment.The emergence of "Internet + life insurance" marketing model just makes up for this gap.However,compared with some developed countries,the development scale of China's "Internet + life insurance" marketing model is still very small,and the development degree is relatively lagging behind,which is related to the characteristics of China's life insurance industry,the regulation of life insurance industry,and the innovation ability of life insurance companies.This article attempts from the environment,based on the existing achievements of research literature at home and abroad,to review and summarize the research paper on the basis of "Internet + life insurance marketing mode" basic concept,describe our country the status quo of "Internet + life insurance marketing model,and combined with all kinds of economic and financial database related data,the" Internet + life insurance marketing mode of our country,we made empirical analysis on the influence of the life insurance company performance.On the other hand,by referring to the successful experience of mature countries in the marketing mode of "Internet + life insurance" and combining with the actual situation in China,some countermeasures and Suggestions are put forward for the better development of the marketing mode of "Internet + life insurance" in China.This paper combines the successful experience of foreign countries and China's actual situation to get countermeasures and Suggestions are: first,strengthen IT infrastructure construction,improve security awareness.First of all,by improving the loopholes of the Internet marketing client,to create a good basic environment;Secondly,strengthen the publicity of safety awareness,improve the importance of safety issues.Second,actively innovate the management mode of insurance marketing personnel,and promote the better integration of marketing personnel and the marketing mode of "Internet + life insurance".The third is to improve the marketing variety development ability,multi-directional to meet customer needs,in order to better serve life insurance consumers.Fourth,speed up the construction of credit investigation system,realize the information sharing of the industry,and achieve better development of the industry.Fifth,strengthen supervision and improve relevant laws and regulations.While actively promoting penetrative regulation,we will accelerate the revision of laws and regulations that are outdated and no longer meet the needs of real development. |
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