Letteratura scientifica selezionata sul tema "Life insurance sales"
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Articoli di riviste sul tema "Life insurance sales"
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Ewanlen, Donald O. "Exploring The Factors That Influence Life Insurance Sales Personnel Performance in Nigeria". INTERNATIONAL JOURNAL OF MARKETING AND COMMUNICATION STUDIES 7, n. 2 (12 ottobre 2023): 17–29. http://dx.doi.org/10.56201/ijmcs.v7.no2.2023.pg17.29.
Testo completoAbstract (sommario):
To financial analysts, life insurance confers the benefits of investment as well as serve as an instrument of risk management on policyholders. This paper sought to ascertain the roles of organizational factors on life insurance sales personnel performance in Nigeria’s marketplace. This study specifically examines the influence of selection and recruitment, compensation, training, and sales territory on life insurance sales personnel performance. The descriptive survey research design was adopted in the study. The population of study are the entire life insurance sales personnel in the twenty (20) quoted firms in Nigeria. However, the accessible population are the sales personnel in the three (3) top most listed firms with headquarter in Lagos state. Two hundred and fifty (250) copies of a structured questionnaire was administered to sales managers, unit managers and sales executives of AIICO, Leadway Assurance and FBN life. The study found that all the independent variables exhibit significant relationship with sales personnel performance. Specifically, employee compensation exert the strongest influence on sales person’s performance. Closely following is sales territory while selection and recruitment exert the least influence on sales force performance. This study conclude that the independent variables exhibit positive and significant influence on life insurance sales personnel performance. The paper recommend among others that operational managers desirous of outstanding marketplace performance should hire only high caliber employees, thoroughly train, adequately and competitively compensate and equip the sales force with sufficient information that would enable them thrive in their assigned sales territories.
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Rao, Dr D. Jaganmohana, e V. Narasimha Rao. "Sales Force Environment in Life Insurance Corporation of India – An Analysis". International Journal of Scientific Research 3, n. 1 (1 giugno 2012): 240–45. http://dx.doi.org/10.15373/22778179/jan2014/79.
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Câmpeanu, Cătălin. "DETERMINANTS FOR LIFE INSURANCES, A VIEW ON NOTORIETY". Journal of Financial Studies 8, n. 15 (30 novembre 2023): 29–41. http://dx.doi.org/10.55654/jfs.2023.8.15.02.
Testo completoAbstract (sommario):
Life insurances are among the most important products on a mature market, usually having a consistent share of the market. However, with a long development period behind, the differences between countries are quite relevant and that extends not just in terms of market share and coverage but also on factors influencing the acquisition. Dominated by Motor Third Party Liability and with a life expectancy among the lowest in European Union, the Romanian market has yet to achieve a its potential on life insurance. Life insurance is the most common financial instruments to cover the risk of death, terminal illness, or incapacity to work, also having lifelong saving components or investment (united linked). Among the usual determinants when it comes to life insurance, we find the level of income, education, age, employment rate, financial status, or even economic growth. However, some uncommon factors have their role in this process, like culture, family status or even religion. This study shall address the influence of knowledge and information, specifically the notoriety of life insurance products and its correlation with sales, aiming to boost the sales of life insurances in Romania by analysing the correlation between the use of product and notoriety. The level of education, occupation, income, or area of living also play an important role as there is a direct influence on the use of product or notoriety.
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Cho, Kyung Won. "A Study on new Insurance Distribution Channel’s Right to Receive the Duty of Disclosure and Legal Issues: Focusing on AI (Artificial Intelligence) Insurance Solicitors and Insurance Companies Specializing in Insurance Product Sales". Korean Insurance Law Association 16, n. 2 (30 giugno 2022): 3–46. http://dx.doi.org/10.36248/kdps.2022.16.2.003.
Testo completoAbstract (sommario):
The insurance industry has undergone many changes due to the era of the 4th industrial revolution, which interconnects our digital and real worlds. Advances in big data have cleared the path for insurers to acquire the material information of the insured. New methods of collecting information about individual customers cause a need to reevaluate responsibilities and rights of both parties. In the current industry, the manufacturing and sales of insurance products is separate; the insurance company is in charge of the manufacturing of insurance products, and sales companies were established exclusively for the sale of insurance products. New types of sales channels such as Artificial Intelligence (AI) insurance solicitors have emerged. In April of 2021, Hanwha Life Financial Services, an insurance product sales company made by Hanwha Life Insurance company, launched, and immediately took the first place in the GA agency rankings. In general, large insurance agencies have larger capital and number of solicitors than small and medium-sized insurance companies. Therefore, it is necessary to emphasize responsibility at scale. According to Article 45 of the Financial Consumer Protection Act, it is not reasonable for an insurance company that entrusts sales to large general agencies, which are larger than small and medium-sized insurance companies, to assume primary responsibility for consumer damage caused by insurance sales. Through the amendment of the Act, major insurance agencies, which are classified as having 500 or more affiliated insurance solicitors, insurance companies specializing in insurance product sales such as Hanwha life financial services, and subsidiary-type insurance agencies are required to assume primary responsibility prior to the insurance company entrusting insurance sales. It is needed the size of the institution should make it possible to impose responsibilities that are reasonable.
With the advent of the 4th industrial revolution, AI insurance solicitors are being introduced in addition to traditional insurance solicitors. It is necessary to revise the Insurance Business Act to allow to sale insurance products by solicits. It is necessary to grant the right to receive the duty of disclosure to exclusive insurance solicitors directly or indirectly under the influence of insurance companies, such as sales training from insurance companies and ethics training to prevent incomplete sales. It is necessary to protect insurance consumers who are trusted with the insurance company’s agent by granting the right to receive the duty of disclosure to the insurance solicitor in charge of explaining insurance products to the subject working as an insurance company’s exclusive solicitor.
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Ericson, Richard V., e Aaron Doyle. "The Institutionalization of Deceptive Sales in Life Insurance". British Journal of Criminology 46, n. 6 (1 novembre 2006): 993–1010. http://dx.doi.org/10.1093/bjc/azl066.
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Fudholi, Muhammad Alfi, e Umbas Krisnanto. "PROMOTION REDUCTION INCREASED MARKET SHARE INSURANCE INDUSTRY IN INDONESIA". International Journal of Engineering Technologies and Management Research 7, n. 9 (24 settembre 2020): 39–46. http://dx.doi.org/10.29121/ijetmr.v7.i9.2020.771.
Testo completoAbstract (sommario):
The purpose of this study is to analyze the effects of distribution channels and promotion costs mediated by sales on the market share of life insurance products in Indonesia, a sample of ten insurance companies with the data used is time series data taken from the 2014 annual report of the company and the total insurance industry sales report taken from 2014 - 2018, the analysis technique used is the path analysis technique using two regression equations which are the development of regression analysis and the sobel test to determine indirect effect, the distribution channels mediated by sales have a significant effect which means that if there is an increase in the number of distribution channels there will be an increase in market share, while the promotion costs in mediating the sales have a significant negative effects indicate that the cost reduction a promotion will increase the market share of life insurance companies in Indonesia.
Motivation/Background: Explain reduction promotion will increase the market share of life insurance companies.
Method: Two regression equations analysis and the sobel test to determine indirect effect.
Results: Reduction in promotion will increase market share.
Conclusions: Mediating sales have a significant negative effect indicate reduction a promotion will increase the market share of life insurance companies.
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Mutembei, Josiah Mutembei. "Impact of Employees Capability Affecting the Growth of Life Insurance Business. A Critical Literature Review". Journal of Actuarial Research 1, n. 1 (28 settembre 2022): 1–12. http://dx.doi.org/10.47941/jar.1041.
Testo completoAbstract (sommario):
Purpose: The insurance industry continues to experience various challenges, key among them the poor public perception, which has led to low penetration level. The overall objective of this study was to assess examine impact of employee’s capability affecting the growth of life insurance business.
Methodology: The paper used a desk study review methodology where relevant empirical literature was reviewed to identify main themes and to extract knowledge gaps.
Findings: The study concluded that professional training of life insurance sales staff was lacking in the industry. This implies that a lot needs to be done by the management of life insurance firms in ensuring proper training of sales staff. Lack of professionalism has also been indicated by the study as a contributor to unethical dealings with life insurance customers.
Unique Contribution to Theory, Policy and Practice: The study recommends that insurers must sensitize its members on the best training opportunities to ensure that the services offered to the life insurance clients by the sales staff are value adding and in the best possible way.
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Jadoon, Dildar Khan, Awais Qasim e Dr Asia Bibi. "The Impacts of Ethical Sales Behaviour on Customer Loyalty in the Life Insurance Industry in Pakistan". Journal of Corporate Finance Management and Banking System, n. 43 (8 aprile 2024): 50–61. http://dx.doi.org/10.55529/jcfmbs.43.50.61.
Testo completoAbstract (sommario):
The life insurance industry in Pakistan is highly competitive, with customer loyalty playing a crucial role in long-term success. Ethical sales behaviour emerges as a key differentiator, potentially fostering trust and driving positive customer experiences. This research investigates the relationship among ethical sales behaviour, customer trust in company and trust in sales agent, which directly affect customer loyalty in the life insurance industry. The quantitative survey targets customers of five major life insurance companies, ensuring a representative sample across diverse demographics. The questionnaires were sent to all companies customer on a random basis. The questionnaires are distributed with the help of office employee of the companies.The finding of the study shows that there is a direct and positive relation between sales agent ethical sales behaviour and customer loyalty. Furthermore, the trust of the customer in the sales agent and trust of the customer in a company has direct positive mutual relation and customer trust both affect customer loyalty. By demonstrating the tangible benefits of ethical sales behaviour, the study can encourage companies to implement and prioritize ethical practices. The identified key drivers of customer loyalty can guide training programs and performance evaluations for insurance agents, ultimately fostering a culture of ethical conduct within the industry.
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Hinrichs, Gerriet, e Henning Bundtzen. "Impact of COVID-19 on personal insurance sales – Evidence from Germany". Financial Markets, Institutions and Risks 5, n. 1 (2021): 80–86. http://dx.doi.org/10.21272/fmir.5(1).80-86.2021.
Testo completoAbstract (sommario):
The occupation of insurance agent involves establishing a relationship of trust with the customer and providing personal and customized advice as a prerequisite for successful sales. This paper summarizes the scientific discussion about the occupation of an insurance salesperson. Coronavirus disease 2019 restrictions have limited face-to-face meetings and complicated large parts of this occupation. The main purpose of the research is to analyze the impact of these restrictions on the sales of 130 insurance branches, comparing the sales of 2019 and 2020 separately by insurance type. This period was chosen because it allows for the usual seasonal volatility to be taken into account. To differentiate according to the type of insurance sold is therefore of interest, because large differences with regard to demand generation and the use of existing customer relationships are to be expected. It shows that consulting-intensive new contracts in the life insurance segment declined noticeably, while the upselling of existing contracts in the non-life insurance segment increased significantly. The research empirically confirms and theoretically proves the importance of personal contact with the customer in the sale of life insurance and pension plans as well as the value of technical tools in upselling non-life policies. The insights from this exceptional coronavirus disease 2019 episode can also be useful in normal times for sales managers in managing insurance premiums to be sold. Further research as well as practitioners should concentrate on shock-resistant consulting approaches and techniques.
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Yadav, Rajesh K. "Impact of Claim Settlement on Sales of Life Insurance Policies - A Case Study of LIC of India". International Letters of Social and Humanistic Sciences 23 (marzo 2014): 1–6. http://dx.doi.org/10.18052/www.scipress.com/ilshs.23.1.
Testo completoAbstract (sommario):
Claim settlement is one of the most important parts of the life insurance services. Person who is holding or planning for the life insurance will always want to have prompt claim settlement. For any insurance company sales of insurance policies is the biggest source of revenue and if claim are not properly settled then it will affect its sales. The study is based on the secondary data collected from IRDA annual report and it shows that LIC of India continue to grow due to its prompt claim settlement, highest insurance premium collections and highest number of policies sold.
Tesi sul tema "Life insurance sales"
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Peterson, Carl E. "Life insurance sales representative". Online version, 2001. http://www.uwstout.edu/lib/thesis/2001/2001petersonc.pdf.
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Eriksson, Liselotte. "Life after death : The diffusion of Swedish life insurance - Dynamics of financial and social modernization 1830-1950". Doctoral thesis, Umeå universitet, Institutionen för ekonomisk historia, 2011. http://urn.kb.se/resolve?urn=urn:nbn:se:umu:diva-47966.
Testo completoAbstract (sommario):
The aim of this thesis is to understand the diffusion process of Swedish life insurance during the period c. 1830-1950, with the specific aim to understand financial modernization and social mobilization as reflected in the diffusion of life insurance to less well-to-do classes and women. In contrast to British and American experiences, the results of this thesis show that the rural classes played an important role in the diffusion of Swedish life insurance. The thesis shows that demand-side factors such as income and urbanisation cannot fully explain this diffusion of life insurance, and why additionally, non-quantitative factors need to be addressed. It is shown how cultural preferences assist in understanding the development of industrial life insurance in different countries. It is also stressed that women, in their capacity as policyholders, beneficiaries of life policies, as dependents, and their limited property rights, constituted the conditions under which the life insurance industry had to adjust and operate. In sum, female policyholders, cultural representations of women and legal constraints on women, constituted an important subset of the 'rules of the game' for the life insurance industry. Important results of the thesis are that female policyholders constituted a large part of the policyholders in the largest industrial life insurance company already in the early twentieth century. It is furthermore shown that life insurance representatives were members in organizations of the women's movement and that they acted for married women's property rights in parliament. It is also argued that different notions of 'a good death', as reflected in funeral practices, contributed to different developments of private and public insurance in Sweden and the United States. By widening the concept of 'business' and recognizing the cultural and social contexts under which the industry operated, this thesis highlights the interaction between business and social change."Den enskildes risk och det gemensamma åtagandet" Jan Wallanders och Tom Hedelius Stiftelse Tore Browaldhs stiftelse
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Fu, Yaoyao. "Understanding how management control affects the triangle relationship between management, sales agent and client : a case study from a Chinese life insurance company". Thesis, Durham University, 2015. http://etheses.dur.ac.uk/158/.
Testo completoAbstract (sommario):
There has been growing literature on management control in the context of front-line service work, including sales work. Given the nature of front-line work, service recipients – customers and clients – play an important role in management control and in the social relations in the workplace. Moreover, the triangle relationship has become a research focus for decades. However, most of the research has been done in western countries. In addition, little attention has been paid to sales work mixed with service elements. Furthermore, the complexity of the triangle relationship between three parties has not been sufficiently evaluated. This thesis investigates management control in a Chinese life insurance company and the effects of management on individual sales agents and the triangle relationship between management, sales agents and clients. In order to address the research target, this study employs a qualitative approach and chooses a single-case study research design. The qualitative data has been collected from a documentary analysis, observations and semi-structured interviews. The empirical findings suggest that: a. The management controls in the studied case can be categorised into two main types: formally coercive control that consists of output control, bureaucratic control, direct control and attendant control; and informally normative control that consists of concertive control in the sales teams and normative control in morning meetings. b. The controls for contradictory logic that interact with one another to have an impact on individual sales agents and the triangle relationship. c. Sales agents who have a greater family responsibility and the capability of meeting sales targets set by the company are more motivated by financial incentives, identified with organisational and occupational value and self-disciplined. d. Sales agents who have a poor performance and lack the capability to improve their performance are more likely to resist management control. e. The relationship between management and the sales agents is not always conflictual. f. Co-worker assistance and informal coping are found in the relationships among sales agents, although their sales work is highly individualised and competitive. g. The relationship between sales agents and clients is instrumental in its nature, but when there is an ongoing relationship and a high level of trust between sales agents and clients, this relationship appears to be less instrumental. h. Improving the quality of service and enhancing the myth of customer sovereignty may sacrifice efficiency in the short term, but it can potentially increase sales efficiency in the long run.
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Fainas, Paulius. "Gyvybės draudimo ir ilgalaikio investavimo produktų pardavimo proceso tobulinimas UAB „Finsaltas“". Bachelor's thesis, Lithuanian Academic Libraries Network (LABT), 2009. http://vddb.library.lt/obj/LT-eLABa-0001:E.02~2009~D_20090617_095936-22018.
Testo completoAbstract (sommario):
Darbo tema Gyvybės draudimo ir ilgalaikio investavimo produktų pardavimo proceso tobulinimas UAB „Finsaltas“; Darbo tikslas Išanalizuoti, įvertinti ir pateikti rekomendacijas kaip pagerinti gyvybės draudimo ir ilgalaikio investavimo produktų pardavimo procesą; Darbo uždaviniai • Išanalizuoti esamą UAB „Finsaltas“ pardavimo procesą; • Identifikuoti pardavimo proceso tobulintinas sritis, naudojant kokybinio tyrimo metodą. • Parengti pasiūlymus pardavimo proceso tobulinimui; Tyrimo metodai • Giluminis interviu; Darbo rezultatai Darbo metu buvo pasiūlyti vadybiniai sprendimai, padėsiantys: 1. pagerinti pardavimo procesą; 2. palengvinti naujų konsultantų įvedimo į darbą procesą; 3. užtikrinti kryptingą konsultantų kvalifikacijos kėlimą; 4. sumažinti nutraukiamų sutarčių skaičių (t.y. pagerinti pardavimų ir aptarnavimo kokybę); 5. rezultate – padidinti pardavimus.Work title Improvement of Life Insurance and Long Term Investment Products Sales' Process at UAB „Finsaltas“; Work goal To analyze, evaluate and provide recommendations for improvement of the sales process of life insurance and long term investment products at a life insurance agency; Work tasks • To analyze sales process at UAB „Finsaltas“; • Using qualitative research identify sales process areas which require improvement,. • Give recommendations for sales process improvement; Methods of analysis • Depth interview Work outcomes There were recommended management solutions leading to: 1. Sales process improvement; 2. Facilitation of the process of introducing new agents to work; 3. Ensuring coherent process of agents’ qualification improvement; 4. Decrease of the number of lapsed policies (i.e. to improve sales and service quality); 5. As a result – to increase sales volume.
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Greer, Timothy R. "What Personality Factors Influence Performance in a Multi-line Insurance Agency?" Scholar Commons, 2018. https://scholarcommons.usf.edu/etd/7512.
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The focus of this dissertation is exploring personality factors that impact performance within a small insurance agency. The primary research question is, what is (or are) the best personality factor(s), sub-facets, or constructs, that contribute to increased performance within an insurance agency. Three of the Five-Factor Model dimensions, extroversion, conscientiousness, and openness to experience along with grit and hardiness were examined, as well as their sub-facets. Grit and hardiness were not found to add additional explanation of the variance while five of the sub-facets were found to better explain the variance over the composite dimensions.
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Lin, Hsiao-Chen, e 林曉眞. "Commission Performance Analysis of Life Insurance Sales". Thesis, 2016. http://ndltd.ncl.edu.tw/handle/60024584618926402594.
Testo completoAbstract (sommario):
碩士國立高雄第一科技大學
風險管理與保險研究所
104
This study takes Pearson correlation test, partial F test, and regression analysis to estimate the commission performance of 360 sales of the southern subsidiary of a life-insurance company in 2014. The independent variables include: premium, number of policies, ratio of active sales, the training-participation rate, job level, and gender, we analyze the effects on the commission performance. The results show that there exists significant correlations among all the independent variables and the commission performance. By partial F test, it says that the interaction between job level and other independent variables may effect the commission performance; however, it''s not the case for gender. By regression analysis it tells that the commission performance of the managers is higher than sales. As the premium and the ratio of active sales increase, the commission performance will also increases, ceteris paribus; however, the number of policies and training-participation rate have negative impacts on the commission performance. This study finds that premium, the ratio of active sales, and the managerial job level will all effect and increase the commission performance, our studied results may be used as the reference of establishing rewarding system for insurance company.
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Jeih-shan, Luo, e 羅介山. "Management For Sales In Taiwan Life Insurance Industry". Thesis, 2000. http://ndltd.ncl.edu.tw/handle/58722508886961433412.
Testo completoAbstract (sommario):
碩士國立臺北大學
企業管理學系
88
This is an pxploratory study.The focus of the study is selecting the representative of life insurance company to analyze the manageable ways of personal selling. Both Cathy and Aetna are the chosen companies.This study take a deep visit to employees in these two companies.By the visiting informations,the study researches into the basic character of personal selling and the practical methods of management.It also offers suggestion to the current management of personal selling channel. All the approaches to the management of sales in life insurance company are including the following five dimensions: (1)Recruit To develop the organizational scale. (2)Training ang Education To provide the professional knowledge and skills. (3)Activity Management To handle quality and quantity of the visiting conditions. (4)Stimulation To reinforce the morale of the sales. (5)Appraisal and Promotion To prove the results of performance.
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Chang, Hsiu-Chen, e 張秀禎. "The Study of Perceiving Elements Affecting Life Insurance Sales Agents Selling Investment Linked Life Insurances". Thesis, 2008. http://ndltd.ncl.edu.tw/handle/74909514535192537740.
Testo completoAbstract (sommario):
碩士朝陽科技大學
保險金融管理系碩士班
96
This paper establishes an understanding of the problems faced by insurance agents in the marketing of investment-linked insurance products and the relevant impacts. The conclusions of this paper are as follows: 1.Sales agents believe that the know-how in investment-linked insurance products is a prerequisite in the future. Also, investment-linked products are more complex than traditional policies and therefore, they are more difficult to understand. The market potential for unit-linked insurance products still has room for development. 2.When marketing investment-linked products, agents feel that it is more difficult to obtain licenses for such products compared to traditional products. The after-sale services for investment-linked products are also more demanding and complicated. Agents would analyze the market of investment-linked insurance products before they market them because they believe that this is an important issue. 3.Training classes offered by companies such as sales techniques, popular funds in Taiwan and overseas, introductions to different products are all very helpful to the marketing of unit-linked products for agents. 4.Although investment-linked products have created premium incomes for new contracts twice as much as traditional products in 2007, only 8.6% of the interviewers intend to focus 8.6% of their efforts on investment-linked products in the future. 81% of the agents decide to split their efforts on both investment-linked products and traditional products. This shows that traditional products should not be abandoned. Both companies and agents should meet the needs of policyholders for sustainable businesses. Key words: Investment-linked insurance, Insurance sales, Licences of investment –linked insurance products
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Huang, Wen-Hwang, e 黃文鴻. "Stress Management of sales Managersin C-Life Insurance Company". Thesis, 2008. http://ndltd.ncl.edu.tw/handle/w3xqa9.
Testo completoAbstract (sommario):
碩士淡江大學
管理科學研究所企業經營碩士在職專班
96
This research is to address stress source and ways to release stress faced by Sales Managers of the subject case company. It also covers topics of how different and diversified those responses of sales managers with various personalities, job titles, and family backgrounds, could be to the stress . The conclusion of this research is to provide feasible suggestions to sales managers of the subject case company for releasing job stress. The research applies in-depth interviews with 20 sales managers and concludes the following: 1. Stress from jobs and livings, facing by most sales managers are ranked medium and above, and could be felt differently by managers with various personal backgrounds and sources. 2.Poor sales performance from daily jobs is the top ranking reason of stress by sales managers. Ranked secondly is the upward and downward communications. Most of the sales managers are well self-disciplined hence set up a higher standard for their subordinates accordingly. 3.Sources of off-work stress mainly come from the high expectation to the children by the sales managers. They are so busy with the jobs thus spend less time at home. In the meantime, less demand for insurance coverage causes by economic recession affects the commission income for those sales managers. 4.Generally speaking, sales managers receive higher stress versus administrative managers. They have worse health conditions due to lack of rest, exercises, bad sleeping qualities, and eruptive emotions, and that sometimes influences family relationship. 5.Sales mangers could effectively release stress by exercises and travels. Health check is a mandate every year to early alarm abnormal health conditions of sales managers. The corporation could also provide speeches by professionals introducing ways to release stress or hold up mountain climbing activities and exercise contests. 6.Most sales mangers do not receive stress relief support from the society. Some of them participate in clubs and community activities; some others do not due to time limits. At the aspect of family, children and spouses are critical factors of stress releasing. Home is the best harbor for most people psychologically and physically. 7.The major motive for sales managers continuing the jobs mainly attributes to self-growth, self-challenge, and self-accomplishment. The outer motive for them is higher pay-off and better life qualities. They also earn respect by the society with the good corporate image. Practically speaking, senior and middle managers own more opportunities to participate and execute decision making. However, they need to be responsible for the result. They lead front line mangers and sales persons to achieve the target setup by the corporation.
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Wu, Yue, e 巫岳. "Attitude of Life Insurance Sales Agents toward Using FinTech-A Case Study of Life Insurance Company C". Thesis, 2017. http://ndltd.ncl.edu.tw/handle/2ye8zu.
Testo completoAbstract (sommario):
碩士逢甲大學
風險管理與保險學系
105
Recently, FinTech is quickly changing financial services industries. Insurance companies in Taiwan which are also developing and introducing these technologies into the traditional insurance value chain, when these emerging technologies are actually applied in daily works. As an insurance sales agent, who stands for the company to contact with customers should be more sensitive to the acceptance of technologies which is an important indicator to observe whether FinTech could be successfully promote and develop in Taiwan. The purpose of this study is to explore the attitude of life insurance sales agents toward using FinTech , and take Technology Acceptance Model(TAM) as a theoretical basis ,also adopt other variables to construct the questionnaire for life insurance sales agents of Life Insurance Company C. The results show that the Attitude toward Using FinTech is positively related to Behavioral Intention to Using FinTech. Also Development of FinTech and Business Resources both are positively related to the Attitude toward Using FinTech, however Learning of FinTech has no statistically significant and positively related to the Attitude toward Using FinTech and Behavioral Intention to Using FinTech while Development of FinTech and Business Resources both are considered in the model.
Libri sul tema "Life insurance sales"
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Wolff, Tom. Sales success: The Tom Wolff way. Falls Church, Va: National Association of Insurance and Financial Advisors, 2005.
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Research, Institute for Career. Careers in life insurance: Sales agent, claims adjuster, actuary. Chicago: Institute for Career Research, 2012.
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Friedman, Joel Wm. Sales. New York, NY: Aspen Publishers, 2011.
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Myers, Seymour S. Face to face: A key to life assurance sales success. London: Stone & Cox, 1987.
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Myers, Seymour S. Face to face: A key to life assurance sales success. London: Buckley, 1991.
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Littell, Robert S. Crossing the line: Sales strategies for life & health in the P&C agency. Cincinnati, Ohio: National Underwriter, 1997.
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Qi, Laiping. Yuan dian, yuan dian: Shou xian xing xiao zhuo yue zhi dao. Changchun: Changchun chu ban she, 2009.
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M, Frankhauser Mahlon, e Tew Thomas, a cura di. The retail sales practices of life insurance companies: Compliance and litigation in the 1990s. Englewood Cliffs, NJ: Prentice Hall Law & Business, 1994.
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1936-, Weinberg Michael D., e American Bar Association. Section of Real Property, Probate, and Trust Law., a cura di. Understanding sales illustrations: How to avoid liability for life insurance product selection : Monday, August 8, 1994, New Orleans, Louisiana. [Chicago]: The Association, 1994.
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Hodgson, Damian. Masculinity, subjection and resistance in the financial sales process. Manchester: Manchester School of Management, 2000.
Cerca il testo completoCapitoli di libri sul tema "Life insurance sales"
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Aoba, Nobuko. "The Sales Channel of Life Insurance and Relationship Marketing". In New Frontiers in Regional Science: Asian Perspectives, 391–414. Singapore: Springer Nature Singapore, 2022. http://dx.doi.org/10.1007/978-981-16-6695-7_21.
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Borselli, Angelo. "Insurance in M&A Transactions". In AIDA Europe Research Series on Insurance Law and Regulation, 199–215. Cham: Springer International Publishing, 2022. http://dx.doi.org/10.1007/978-3-030-85817-9_9.
Testo completoAbstract (sommario):
AbstractMergers and acquisitions (M&A) involve transactional risks, no matter how extensive and accurate the due diligence process is. This raises the question as to how transacting parties can be protected. Representations and warranties and indemnification provisions as well as escrow requirements, typically included in the acquisition agreement, may often prove to be inefficient and inadequate to this end. When negotiating these terms, transacting parties clearly have contrasting interests, and there could also be cases, especially in public company transactions or distressed sales, where the buyer may have no effective remedies against the seller after the closing.To overcome problems associated with seller’s indemnities, transacting parties increasingly avail themselves of some innovative insurance products, generally known under the catch-all name of “transactional insurance,” that provide coverage for risks arising out of extraordinary corporate transactions, including risks related to breaches of representations and warranties, tax liabilities, pending or potential litigation and other contingent liabilities.This chapter explores the role that insurance can play in managing transactional risk, discussing whether it may represent an efficient alternative to more traditional, contractual solutions like indemnity and escrow requirements. The discussion suggests that transactional insurance can serve as an effective risk-transfer tool in M&A, which may act as a supplement or also a substitute for seller indemnity obligations. By spreading transactional risk, insurance can facilitate M&A transactions and enhance the overall social benefit, providing economic security at a fraction of the cost that it would take for transacting parties to protect themselves. No problems of adverse selection or moral hazard peculiar to the M&A context seem to arise and a steadily increasing use of insurance in M&A can be expected.
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"2. Creating a Desire for Life: Life Insurance Sales and Marketing". In Selling the Future, 54–81. Cornell University Press, 2024. http://dx.doi.org/10.1515/9781501773303-005.
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Nirmala, A., e G. C. Premananto. "The dark side of life insurance in achieving sales targets". In Advances in Business, Management and Entrepreneurship, 141–44. CRC Press, 2020. http://dx.doi.org/10.1201/9780429295348-33.
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Chan, Cheris Shun-ching. "Making TransactionsSelling Strategies and Sales Discourses". In Marketing DeathCulture and the Making of a Life Insurance Market in China, 115–42. Oxford University Press, 2012. http://dx.doi.org/10.1093/acprof:oso/9780195394078.003.0004.
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Chan, Cheris Shun-ching. "Manufacturing Sales AgentsCultural Capital and Management Strategies". In Marketing DeathCulture and the Making of a Life Insurance Market in China, 76–114. Oxford University Press, 2012. http://dx.doi.org/10.1093/acprof:oso/9780195394078.003.0003.
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Ostrowska-Dankiewicz, Anna. "Wpływ pandemii COVID-19 na rynek i efektywność ubezpieczeń na życie z ubezpieczeniowymi funduszami kapitałowymi". In Sektor ubezpieczeń w obliczu wyzwań współczesności, 26–40. Wydawnictwo Uniwersytetu Ekonomicznego w Poznaniu, 2022. http://dx.doi.org/10.18559/978-83-8211-131-6/2.
Testo completoAbstract (sommario):
The impact of the COVID-19 pandemic on the market and effectiveness of life insurance with insurance capital funds. Insurance performs a variety of functions in the economy. Their basic task is to provide the insured with protection in case of occurrence of random events specified in the contract. Market practice shows that such a limited function of classic insurance proved to be insufficient, especially at the time when insurance products appeared which, in addition to their protective function, allow savings to be multiplied. Such products are life insurance with insurance capital funds. However, the emergence of the COVID-19 pandemic caused unexpected difficulties in the conduct of business by enterprises, including insurance companies. These difficulties manifested themselves in a periodic decline in premiums written, and in relation to life insurance with UFK also in a periodic deterioration of their effectiveness due to a slump in the financial markets. The aim of this paper is to present the impact of the COVID-19 pandemic on the market of life insurance linked with insurance capital funds and to discuss the trends in the volume of sales of life insurance with UFK and in the effectiveness of investments in insurance capital funds.
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Cargill, Thomas F., e Naoyuki Yoshino. "Reforming the Postal Savings System and the Fiscal Investment and Loan Program: Summing Up of the Issues, Reform, and Recommendations". In Postal Savings and Fiscal Investment in Japan, 144–65. Oxford University PressOxford, 2003. http://dx.doi.org/10.1093/oso/9780199257348.003.0005.
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Abstract The PSS and the FILP are important features of Japanese post war finance, and despite an official policy of financial liberalization for over two decades, they have continued to expand their roles in Japan’s financial system. As of fiscal year-end 1999 (31 March 2000), postal deposits represented 34 percent of total household deposits and 18 percent of individual assets. Postal deposits accounted for 62 percent of FILP lending, and the FILP budget represented 10.9 percent of GNP. Postal life-insurance accounts for 30 percent of total life insurance sales. Postal deposits as a percentage of total deposits, postal life insurance as a percentage of total life insurance, and the ratio of the FILP budget to GDP were larger in 2000 than at any time since the start of reindustrialization in 1950.
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Callaway, Julianne. "FinTech Disruption". In The Disruptive Impact of FinTech on Retirement Systems, 61–74. Oxford University Press, 2019. http://dx.doi.org/10.1093/oso/9780198845553.003.0004.
Testo completoAbstract (sommario):
Technological advances have enabled enhancements in the financial services industry such as improved digital sales opportunities, enhanced communication with consumers, expanded accessibility of services, and improved tools for financial planning. These advances are democratizing services once available only to wealthy, extending older peoples’ ability to live independently, and improving their quality of life. This chapter presents a series of case studies explaining how the life insurance industry can use technology and new data to streamline the life insurance underwriting process and improve trust and transparency between insurers and customers. It also discusses how new content can enable on-demand education and simplify end of life planning, as well as the difficulties people face when saving for the types of purchases that can lead to credit card debt and challenge retirement savings. We also touch on the potential for wearable technology to improve wellness and manage chronic diseases.
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Martseniuk, Olena. "CURRENT TRENDS AND PROBLEMS OF THE MARKET OF CIVIL LIABILITY INSURANCE OF VEHICLE OWNERS AND WAYS TO SOLVE IT". In Theoretical and practical aspects of the development of modern scientific research. Publishing House “Baltija Publishing”, 2022. http://dx.doi.org/10.30525/978-9934-26-195-4-5.
Testo completoAbstract (sommario):
Insurance in general and civil liability insurance, as part of it, is an infrastructure that helps increase the efficiency of all areas of business. This determines the importance of the development of all types of insurance in Ukraine, taking into account the process of Ukraine’s integration into the world community. The development of insurance business in our country should be based on the study and balanced use of experience of industrialized countries with long traditions of insurance market organization, legal regulation of insurers and diversification of various types of insurance [2].The world community, however, has invented a universal means of redress, which is the most popular type of liability insurance worldwide – civil liability insurance for owners of land vehicles. It provides for the payment of monetary compensation to the victim in the amount that would be collected from the owner of the vehicle on a civil claim in favor of a third party for damage to life and health, as well as for damage or loss of property due to an accident or other road -transport (accident) due to the fault of the insured. Given the state and prospects of motorization in our country, as well as foreign experience in insurance, we can say with confidence that liability insurance is one of the leading areas among other types of insurance. However, in its organization and implementation there are many different problems of legal, social, economic and organizational nature. The subject of the study is the economic relations that arise in the protection of property interests of persons injured in traffic accidents caused by the fault of the insured. The purpose of the work is a theoretical and practical study of the features of civil liability insurance of vehicle owners and determine on this basis the problems and prospects for the development of motor insurance in our country.In accordance with the set goal, the following tasks were identified: to determine the economic essence and benefits of civil liability insurance of vehicle owners; to consider the experience of foreign countries in the field of liability insurance and the possibility of its introduction in Ukraine; to analyze the current state of motor insurance in Ukraine; identify problems of development of civil liability insurance of vehicle owners in Ukraine and predict the directions of their solution, taking into account foreign experience; provide proposals to improve the efficiency of insurance activities.The scientific novelty of the obtained results is the substantiation of theoretical and methodological bases of strategic development of civil liability insurance of vehicle owners in Ukraine, which allowed to obtain practical and theoretical results that contain scientific novelty, in particular: generalized features of comparative characteristics of liability insurance , property insurance and personal insurance and on the basis of the analysis the essential differences of liability insurance from other branches of insurance are defined that allows to state definitively that liability insurance is an independent branch of insurance; proved a specific feature of liability insurance, which is that the object of insurance is not specific personal property of a citizen or organization, as in property insurance, and the occurrence of events related to life or ability to work of a citizen who entered into a contract, which is typical for personal insurance, and liability to third parties. Thus, the direct object of liability insurance is the economic interest of potential victims, who in each insured event finds a specific monetary expression; the necessity of digitalization of the liability insurance industry is substantiated. Based on the study, it is proved that marketing innovations in motor insurance relate to new sales channels. Today, such a sales channel is the online sale of insurance products, which allows the insured to draw up a contract online, choose the functions that belong to him and pay insurance premiums. At the micro level, innovative development is seen as the process of implementing innovative solutions by insurers that help strengthen their competitiveness, create a unique insurance product for each policyholder individually, improve insurance services and more. Practical significance of the obtained results is to develop and provide recommendations for improving the civil liability insurance of vehicle owners, taking into account the experience of foreign countries.
Atti di convegni sul tema "Life insurance sales"
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Ferezagia, Debrina. "Sales of Life Insurance Products in Indonesia: InsurTech and Traditional Insurance Agents". In The International Conference of Vocational Higher Education (ICVHE) “Empowering Human Capital Towards Sustainable 4.0 Industry”. SCITEPRESS - Science and Technology Publications, 2019. http://dx.doi.org/10.5220/0010029700002967.
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"The Training Satisfaction of New Life Insurance Sales Agents". In April 18-19, 2017 Kyoto (Japan). DiRPUB, 2017. http://dx.doi.org/10.15242/dirpub.dirh0417231.
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Boonsom, Panrawe, Chanin Wongyai e Duang-Arthit Srimoon. "Sales forecasting for life insurance on primary and supplementary policies using seasonal and trend methods". In 2023 IEEE PES 15th Asia-Pacific Power and Energy Engineering Conference (APPEEC). IEEE, 2023. http://dx.doi.org/10.1109/appeec57400.2023.10561992.
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Timus, Angela, e Olga Timofei. "Direcții de dezvoltare a sectorului de asigurări din Republica Moldova". In International Scientific-Practical Conference "Economic growth in the conditions of globalization". National Institute for Economic Research, 2023. http://dx.doi.org/10.36004/nier.cecg.iii.2023.17.9.
Testo completoAbstract (sommario):
The present study aims to analyze the insurance market situation globally and in the Republic of Moldova, with a focus on the trends in the country's insurance sector. The methodology employed involves a detailed investigation of national legislation and the application of international regulatory practices in the insurance field, accompanied by an analysis of the effects reflected in the core indicators of the sector. The empirical analysis is based on data derived from reports and statistics pertaining to the domestic insurance market. The obtained results reveal that the lack of appropriate culture and behavior among customers in the insurance domain represents a major hindrance for the population of the Republic of Moldova in accessing insurance services. This situation is primarily due to the inadequate promotion of insurance products, limited awareness regarding their utility and importance, and a low financial literacy. Additionally, constraints in the domestic insurance market encompass several aspects, such as the absence of efficient financial instruments for placing insurance reserves, underdeveloped market and the lack of a developed capital market, frequent changes in the legal and regulatory framework, low capitalization levels of insurance companies, restrictions on competition in certain sectors, and imperfect legal and organizational support for state insurance upervision. Based on these findings, it is recommended to implement a set of measures to stimulate the development of the insurance sector in the Republic of Moldova. These measures include the implementation of an incentives system that would encourage voluntary and life insurance uptake, promoting life insurance packages that offer savings options as an alternative to pension funds, revising the current model of medical insurance to strengthen the function of healthcare services quality control, developing online sales services as the primary means of marketing, ensuring the reliability and sustainability of the insurance system, improving the corporate governance of insurance companies through increased transparency, and enhancing the regulatory framework to enable the digital development of the insurance sector. The stability and resilience of the insurance sector are essential for the economy, and the implementation of the mentioned measures will contribute to the sustainability of businesses and the well-being of the population, as well as the overall development of the insurance sector.
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Blazheska, Angela, e Igor Ivanovski. "QUANTITATIVE ANALYSIS OF THE OPERATIONAL PERFORMANCE OF THE SELECTED NON-LIFE INSURANCE COMPANIES IN THE INSURANCE MARKET OF REPUBLIC OF NORTH MACEDONIA". In Economic and Business Trends Shaping the Future. Ss Cyril and Methodius University, Faculty of Economics-Skopje, 2020. http://dx.doi.org/10.47063/ebtsf.2020.0030.
Testo completoAbstract (sommario):
The aim of this paper is to analyze the operational performance of the 5 dominant companies on the non-life insurance market in Republic of North Macedonia. As input in the analysis, the quarterly data for the 2009-2019 period is included for the key indicators such as the gross written premium (GWP), the gross liquidated damages, the number of insurance contracts and settled claims as well as the operating costs of the companies. These variables are observed through OLS (Ordinary Least Squares) regression analysis and VAR (Vector Autoregressive) model which demonstrates the dependence of the GWP to the rest of the indicators and their responsiveness to shocks. The findings of the study offers valuable insight and opportunities for short term recommendations and further exploration. The companies are missing the sustainability and viability of their management models and define the “shortcism” as more important for the market and operational performance. In these regard, the business models must introduce contemporary and comprehensive tools and techniques, dominantly based on IT solutions and adequate HCM changes, for risk identification and actions for lowering the claims ratio and their volume. Moreover, all the companies should evaluate the elements of the operating costs, both for sales as well as of the administrative ones, as critical components for the companies’ profitability. Very importantly, significant changes at the ALM models and higher rate of returns should inevitably create additional advantage for dynamic and sustainable models for consumer acquisition and new products and services development.
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Zarkovic, Nebojša. "THE ROLE OF MODERN TECHNOLOGY IN COMUNICATION OF BROKERS AND AGENTS WITH THE INSUREDS". In MODERNE TEHNOLOGIJE, NOVI I TRADICIONALNI RIZICI U OSIGURANjU. Association for Insurance Law of Serbia, 2021. http://dx.doi.org/10.46793/xxsav21.022z.
Testo completoAbstract (sommario):
Th anks to today’s digital age, insurance is the one industry that has particularly benefi ted from the advancements in technology. Every customer an insurance broker or agent serves has a diff erent communication want or need. Some customers crave Улога савремене технологије у општењу посредника и заступника са осигураницима 34 personal attention and want to be able to speak with their insurance agents or brokers. Others simply want easy access to information and a way to deliver information that is not stressful or disruptive. For that reason, insurance brokers or agents should use modern technology to off er multiple communication channels. Th is can include websites, mobile devices, social media, remote communication and business process automation as it is pointed out in this article. More people are accessing the Internet on mobile devices than on desktop computers. Insurance agents and brokers should make sure their websites are compatible with most (if not all) mobile devices. Another solution is to create a mobile app to make it easy for consumers to access their sites on the go. Social media for insurance agents and brokers has challenges. However, social media is now critical to the insurance business. Th e rewards they can reap on social media far outweigh the obstacles. Insurance sales and consultations have always been about connection. Brokers and agents make a connection with clients. Th ey discuss catastrophic situations, potential life problems and issues of daily living, making connections in real life. Th e world now requires those connections to be maintained online, especially during the coronavirus crisis. Remote communication is a way of communicating with others online. Meetings, information, and training materials are shared over the Internet. Advanced insurance brokers and agents create virtual teams. Th ey icommunicate and collaborate online and not in a shared offi ce space. Business process automation is the technology-enabled automation of complex business i.e. insurance processes utilized by agents and brokers. It can streamline an insurance business for simplicity, achieve digital transformation, increase service quality to the insureds, improve service delivery or contain costs. Insurance brokers and agents should spend more time interacting with potential customers. Th is includes answering questions and informing them of the important benefi ts of the insurance off ered. Th ey should turn to in-offi ce soft ware that helps them automate these workfl ows.
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Nijholt, Anton. "Towards the Automatic Generation of Virtual Presenter Agents". In InSITE 2006: Informing Science + IT Education Conference. Informing Science Institute, 2006. http://dx.doi.org/10.28945/3018.
Testo completoAbstract (sommario):
There are many ways to present information to visitors and users of 2D and 3D interface environments. In these virtual environments we can provide visitors with simulations of real environments, including simulations of presenters in such environments (a lecturer, a sales agent, a receptionist, a museum guide) and including audience participation in these environments. Our research aims at generating presentations from available multimedia information. In particular, we would like to see the generation of presentations by embodied conversational agents that employ verbal and nonverbal capabilities. In the past we have seen the introduction of embodied agents and robots that take the role of a museum guide, a news presenter, a teacher, a receptionist, or someone who is trying to sell insurance, houses or tickets. In all these cases the embodied agent needs to explain and to describe. The automatic generation of presentations and presentation agents from information sources is still too ambitious a task. Therefore we look at research from the perspective of the design of tools that can support presenters or can help to provide natural access to presentations and lectures. Can we use a given collection of sheets and maybe other accessible media sources to design, create and generate an embodied presenter? Among others we discuss manual annotation of available information and the way in which presenter agents can use it. Clearly, the development of tools for these purposes is a first step towards automating the generation of presentations and presentation agents.
Rapporti di organizzazioni sul tema "Life insurance sales"
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Volkova, Nataliia P., Nina O. Rizun e Maryna V. Nehrey. Data science: opportunities to transform education. [б. в.], settembre 2019. http://dx.doi.org/10.31812/123456789/3241.
Testo completoAbstract (sommario):
The article concerns the issue of data science tools implementation, including the text mining and natural language processing algorithms for increasing the value of high education for development modern and technologically flexible society. Data science is the field of study that involves tools, algorithms, and knowledge of math and statistics to discover knowledge from the raw data. Data science is developing fast and penetrating all spheres of life. More people understand the importance of the science of data and the need for implementation in everyday life. Data science is used in business for business analytics and production, in sales for offerings and, for sales forecasting, in marketing for customizing customers, and recommendations on purchasing, digital marketing, in banking and insurance for risk assessment, fraud detection, scoring, and in medicine for disease forecasting, process automation and patient health monitoring, in tourism in the field of price analysis, flight safety, opinion mining etc. However, data science applications in education have been relatively limited, and many opportunities for advancing the fields still unexplored.