A Study On The Flow Of Personal Agent In Life Insurance

In September1992, after the new insurance marketing system into China, thedevelopment of China’s insurance industry began a qualitative leap. As theconnection between the insurance company and the insured bond-insurancepersonal agents, which ranks as the scale and depth of the development of theinsurance industry is increasing. Currently, this group is in the insurance company orthe sale is still a mainstay of the development of the life insurance industry has asignificant role to play. By the end of2012, reaching3.3million nationwide as manyas the number of insurance agents, life insurance companies nationwide achieved bymarketers of premium483.508billion yuan. Similarly, in2013the China InsuranceRegulatory Commission on the "comprehensive management of the insuranceindustry, misleading sales satisfaction," the network survey shows that the lastchannel is to buy life insurance products through an insurance agent channel ratio ofmore than67%, which is another example of its importance.However, due to their own personal insurance agent system defects anddomestic insurance companies do not increase the overall copy selected using otherreasons exist, the insurance agents appeared "ambiguous legal status","social status","their low quality." and many other issues. This is reflected in the management ofinsurance companies to "re-performance, light management," and thus directly orindirectly caused by high liquidity insurance personal agents, high-shedding, lowretention appears strange phenomena. These problems have seriously affected thedevelopment of life insurance companies and even the development of the lifeinsurance industry, which is constantly Insurance Regulatory Commission in recentyears, shot, be insurance salesmen Reform reason.In this paper, based on the basis of previous authors, A Life in Guizhou branch,for example, on the issue of agent mobility research. Thesis chapter is organized asfollows:The first chapter, led by the background research questions of this thesis, whilethe significance of the research, research, research methods, ideas, etc. madeaccountable.The second chapter, by about staff turnover and review of the literature of agentpresented the theoretical basis and practical basis of this study.The third chapter of agent management status and influencing factors, first of all, to A Life Guizhou branch, for example, the status and management status of theindividual agents conducted a descriptive statistical analysis; Secondly, on this basis,the author conducted about the impact of agent liquidity factors early interviews,questionnaires; Finally, the use of statistical analysis software spss19.0survey resultswere analyzed, and then combined with a return visit to investigate and identify thefactors reflected in the company’s management problems exist in terms of: increasestaff, salaries, training, motivation assessment, benefits, team building and so on.Thefourth chapter, for the above factors and problems, both from company and industrylevel, to make specific, actionable recommendations.Thus, the present study hopes to provide more realistic guidance for lifeinsurance companies to maintain a stable individual agents and improve themanagement team, and the further development of the life insurance industry have acertain reference.