| With the continuous and steady development of China’s economy,the role of life insurance has become increasingly prominent.The data in this paper comes from about 1 million micropolicies in the core system of a provincial branch of China Post Insurance,based on the characteristics of the insured to six types of personal insurance effects of empirical analysis.The results show that the demand for life insurance is dominated by two types of Insurance,dividend type and two-all type,and the insured from 30 to 60 years old,married and from 50,000 to 200,000 yuan are the main demand groups for life insurance.The insurance demand of unmarried policy-holder is higher than that of married policy-holder in all-round,annuity and accident insurance.The married policy-holder can promote the insurance demand of bonus and health insurance.With the increase of income,the demand for dividend,health,all-round,annuity,life insurance and accident insurance has increased.The influence of the insurance demand of the male policyholder in the dividend insurance and the accident insurance is higher than that of the female policyholder,and the premium of the female policyholder in the two-full type and the annuity type is higher than that of the male,there is no significant difference in the effect of the insurance demand in health insurance and life insurance.The insurance demand of urban insurant is higher than that of rural insurant in dividend,health,all-round,annuity,life insurance and accident insurance.The effect of age on life insurance demand is not significant,but the effect of age on bonus insurance,health insurance,two-all insurance,annuity insurance and accident insurance is significant.China Post insurance should innovate the insurable personal insurance products and diversify the insurance products according to the special needs of the insured.Match the right type of insurance to the right customers,and keep developing young customers and high-income customers. |
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