Research On The Optimization Of The Leader's Compensation Plan Of The Personal Insurance Agents Of Funde Sino Life Insurance Co.,Ltd.

Individual insurance agents play a vital role in the rapid development of China's life insurance industry.They not only market life insurance products,but also publicize insurance and offer after-sales services,providing significant human support for the sustainable development of individual insurance business of insurance companies.With the rapid development of the national economy and the change in the environment of the insurance industry,various insurance companies are facing a major challenge in the development of individual insurance business,namely hiring excellent employees.The talent competition of individual insurance agents,especially the leader of the team,namely the team leader of individual insurance agents,is becoming increasingly fierce.In order to secure development of individual insurance business,insurance companies need to consider how to attract talents with excellent salary system amid the competition of insurance industry in the new era so as to promote the sustainable development of companies' business.Guided by theories including Robert S.Kaplan/David P.Norton's Balanced Scorecard Theory,Peter M.Senge's learning organization theory,Edgar.H.Schein's career anchor theory,and Abraham Harold Maslow's demand level theory,this paper starts from the salary package of the team leader of individual insurance agents,and takes the team leader of Funde Sino Life Insurance Co.,Ltd as the research object.It analyzes the current salary package of the company through two research methods of questionnaire survey and interview and puts forward the optimization direction of the salary package.The author hopes that through the optimization of the salary package,the company's individual insurance business will continue to develop,and the income of the team leader of individual insurance agents can be stabilized and improved.In addition,the team of individual insurance agents can meet regulatory requirements and keep pace with the development trend of the industry.In the process of salary package optimization,this paper,regarding the salary package of the team leader of individual insurance agents,puts forward the following optimization methods:1.Guidance optimization,introduce management assessment indicators;2.Balance the salary structure,introduce fixed salary and non-cash benefits;3.Improve the performance-based salary incentive mechanism,adjust the calculation method of commission and training bonus;4.Provide channel transformation of career development and income increase of the team leader of individual insurance agents;5.Establish and improve the internal salary system.Through the above five optimizations,combined with the system guarantee of salary package optimization,the publicity of landing and promotion,the optimization of the training mechanism,and comprehensive development,the new salary package can obtain the broadest support,the most effective promotion,and the most powerful implementation.In this way,the salary package of the team leader of individual insurance agents can keep up with the industry trend.The author hopes that the company can keep its talent advantage in the competition of individual insurance business through favorable salary packages.