A Study On The Influence Of COVID-19’s Epidemic Situation On Insurance Purchase Intention And Premium Income

At the beginning of 2020,a pandemic that no one expected arrived quietly and swept the world quickly,with profound effects on global economic development.The first was public health and the economy,and then the relationship affected international relations,resource allocation and industrial adjustment.Great changes have also taken place in people’s lifestyle,consumption habits and willingness to consume.As a "shock absorber" for economic development and a "stabilizer" for society,insurance has played a huge role in helping hard-pressed industries,hard-pressed enterprises and hard-pressed individuals affected by the pandemic.How to sustain the healthy development of the insurance industry under the epidemic is an important issue related to the national economy and people’s livelihood.This paper collected people’s feedback on their willingness to purchase insurance under the influence of the epidemic by distributing questionnaires to the society.Logistic regression was used to analyze the impact of the epidemic on people’s willingness to buy insurance.In combination with the epidemic development factors and the development of insurance industry in recent years,the epidemic factors affecting the development of insurance industry were identified and analyzed,and the quantitative analysis conclusion of the impact degree of each factor was obtained.Combined with the analysis conclusion,the general policy of "dynamic zero elimination" was put forward for epidemic policy and insurance industry development,and favorable social conditions were created to promote industry development.Strengthen the digital transformation of the insurance industry,improve service efficiency,and build a perfect online sales and service system;Build a high-quality agent team,build a stable,professional,efficient sales and service team,and establish a good image of insurance;Strengthen product and service innovation;Strengthen the insurance funds to key economic areas and areas of people’s livelihood support and other rationalization proposals.