Analysis On The Marketing Development Path Of Life Insurance Consultant

The insurance products operated by life insurance companies have typical demand potential and non-craving characteristics.Customers usually does not take the initiative to life insurance companies to buy it,need to promote the supply and demand both sides to reach an agreement by insurance agent,the communication service value are indispensable to life insurance companies as a bridge,the insurance agent is an irreplaceable contribution to our country's insurance business.Premium mass scale in our country continuously "inflation" and become the world's superpower insurance,where exist the following it would slow down and think about: first,with the expansion of the agent team,gradually evolved into "Numbers" sales model.Over time,the disadvantages of this model become more and more prominent,among which the moral hazard of the agent,the misdirection of sales and the high rate of shedding have had a negative impact on the society.Secondly,with the public understanding of insurance knowledge and the improvement of insurance awareness,the real life insurance consultants with higher quality are required to provide matching services.Third,the regulation has been long out of the "teeth",implement consultant marketing model not only is the inherent requirement of sustained and healthy development of the industry,also is our country from the insurance to insurance strong power of the path.Based on the principle of insurance demand and the above three points,this paper analysis the life insurance marketing consultant development path and method,comparing the difference between the marketing consultant and "Numbers",identify its value,and connecting with the concrete case analysis in the practical use situation of one foreign life insurance companies,the paper mainly discusses the consultant marketing mode to cultivate customer demand oriented professional life insurance consultant management system,including recruitment and selection management,sales process management and the management of compensation and promotion,and the countermeasures of life insurance consultant marketing practices in order to produce marketing channel for a risk model transformation to make reference.