Optimizational Research On Developing Strategy Of Rural Life Insurance Business Of China Life Insurance Company Hunan Branch

In the rapid economic development in today’s society, rural health care, pension is very serious problem. Since each insurance company with national policy, after the launch of new farming, this situation is a little relief. Insurance industry began to community, and because some restrictive factors, the market in rural area is still not fully play its role. To better improve the rural social security system, must implement the strategy of optimization, it is a great potential. Due to limited economic conditions of the rural population, really only designed for their insurance products, to the rural life insurance become bigger and stronger, to promote social development.Since the eighteenth big countries give high attention to "three rural" issue, hope to do the deepened reform. Hunan branch of China life also saw the potential of the market, make a lot of considerable advantage policy to farmers. Jiangshan city, hunan province, rural population present situation is as follows: one is to speed up the aging level, social burden; Second, population age structure change, labor population decline; Three is the agricultural population accounts for low, population urbanization quality remains to be improved of Hunan province, the development of life insurance in rural areas are poor peasant economy condition, the purchasing power gap is big, insurance unreasonable factors such as product design, and through years of development, hunan branch of China life of the original rural personal insurance business strategy behind already, don’t adapt to the development of the now. By reference to relevant literature data collection and the actual situation of hunan branch of China life, rural life insurance our company business strategy optimization is put forward reasonable Suggestions, for future reference.Firstly in Hunan Province, China Life Insurance points company developing the rural personal insurance present situation analysis, understand the current Hunan branch in the market status and development prospect. Through the questionnaire, the development of rural personal insurance business to understand. To put forward specific suggestions for the optimization of rural personal insurance business strategy in Hunan province of China Life Insurance Company.