The Channel Strategy of Unit Link Assurance.
Date Issued
2005
Date
2005
Author(s)
Lee, Mei-Ling
DOI
zh-TW
Abstract
Unit link assurance has carried out three years ago in Taiwan. Recently the trend in unit link assurance in domestic assurance market has been growing year by year. The sales performance of unit link assurance has been better than before. The insurance companies trend to issue the unit link assurance instead of traditional assurance in low-rate times to release the pressure of the financial debt.
The channels of the insurance market can be classified into insurance brokers, agents and banks. The bank channel has been widely accepted by insurance companies because of the numerous sites and perfect reputation. People trust the bank and would like to save money in the bank. The sales of unit link assurance have been estimated about 50% of the total sales of insurance by bank channels . Insurance brokers and agents both offer the products of insurance companies. They are in the competitive relationships, which causes the vicious price competition. The insurance companies cooperate with banks, insurance brokers and insurance agents and banks. The cooperation and competition in insurance channels co-exist. The patterns of the cooperation between insurance companies and insurance brokers and agents are represented by alliance, internalization, and acquisition which will be discussed in chapter five.
This research is mainly to study the relationship between the channels and how the insurance companies deal with the relationship efficiently. Most importantly, the channel strategy of the unit link assurance is our subject. We will also discuss the crucial factors of channel management and who will guide the vicious competition to fine competition. In this article ,we will describe some questions and propose some concepts and ideals about the channel strategy of unit link assurance.
Subjects
投資型保險商品
壽險通路經營管理
通路競爭合作
交叉行銷
Unit Link Assurance
Channel Strategy in theAssurance Market
Type
thesis
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