Analysis of insurance needs at different stages of life

First, children between the ages of zero and three are covered by medical insurance. Second, children between the ages of four and twelve are mainly covered by critical illness insurance and accident insurance. Thirdly, children between the ages of thirteen and seventeen. Medical insurance, accident insurance, and critical illness insurance are all available.

The main needs of insurance are personal protection, including medical treatment, accidental injury, illness, etc., property protection, including vehicles, houses, etc., and investment needs.

Personal protection needs refer to the individual's protection for daily illness, medical treatment, accidental injury or death, etc., and this type of insurance can pay the policyholder the amount of coverage to make up for the financial loss.

Property protection refers to the protection of personal or family property, such as car insurance and home property insurance, mainly to resist property damage caused by accidents.

In addition, investment demand is also an important demand for insurance, such as investment-linked insurance and participating annuity insurance, which can meet the needs of policyholders for fund management and wealth inheritance.

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Analyzing your insurance needs can start from the following three aspects:

2. The policyholder's awareness of the type of insurance products, the types of insurance products on the market are very different, and the general understanding of the product content is helpful to analyze the insurance needs of individuals;

3. The policyholder's awareness of the function of insurance products, insurance can be divided into two types: protection and financial management, and the products in these two types can be divided again according to the function.

1. During the single period, the policyholder generally focuses on personal life and health protection, and has a strong willingness to purchase accident insurance or illness insurance;

2. During the period when the policyholder starts a family and starts a business, the registration bank needs to be protected: personal income, children's education, housing loan, pension, critical illness, etc.;

3. During the retirement planning period, the policyholder generally takes the life security and serious illness protection after retirement as the main needs.

1. Do what you can, and the premium should not exceed 10% of the hitching income, or lower.

2. Return to the essence of protection, focus on risk protection, and ignore those foolish investment and value-added.

3. The order of buying is accident protection, critical illness protection, medical risk protection, pension, and finally investment.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid the number of insurance belts"pits"

Recently, I have been attending training in the Division. There's so much to learn, and it's a lot of feeling. But the core of all insurance is to judge the needs of customers. So today, I'm going to talk about how to conduct a customer needs analysis.

As an insurance broker at Minya, each of us has a customer demand form. Some of these tables are actually printed out by the broker himself, and some of them have been deeply engraved in the broker's mind, and this information can be obtained by asking questions every time he talks to a client.

In terms of content, customer demand analysis should at least include the following aspects, the customer's personal situation, economic responsibility, demand analysis, preferences, etc., the reason for the design of these problems, is mainly to the customer's family as a whole to do a good idea, what kind of family structure is the customer? What kind of safeguarding responsibilities do such families need? What kind of products are suitable for these protection obligations?

These products should be designed with such an insured amount that the customer will not have a significant impact on the family's cash flow at the time of the accident. These are the answers we have to get in our needs analysis. Every family has a different answer to such a question, and each product has its advantages and disadvantages, for different families, the advantages of some products, may not be suitable for some families, and the disadvantages of other products, for some families, do not have much impact at all.

This requires the broker to be sophisticated in terms of demand analysis. Demand analysis is the basis of all analysis, and it is also a basic skill that insurance brokers need to practice.

1. Classification of insurance products in China

China's insurance products are divided into four categories: property insurance, life insurance, reinsurance, and commercial pension. Among them, there are two categories of property insurance and life insurance for end enterprise users and individual users; Property insurance is divided into motor vehicle insurance, agricultural insurance, liability insurance, etc.; Life insurance is divided into life insurance, health insurance, and personal accident insurance.

2. The original premium income of life insurance in China is always higher than that of property insurance

From 2016 to 2022, the original premium income of life insurance and property insurance in China showed a positive trend; In contrast, the original premium income of life insurance is always higher than that of property insurance. In 2022, the original premium income of life insurance in China will account for 73%, and that of property insurance will be 27%, and the proportion of original premium income of life insurance and property insurance will change little over the years.

Life insurance accounts for the highest proportion of life insurance

From the perspective of the demand for life insurance product segments, in 2022, the original premium income of life insurance will account for the highest proportion, is; Life accident insurance has the lowest proportion of original premium income, which is.

Motor vehicle insurance accounts for the highest proportion of property insurance

From the perspective of product demand for property insurance segments, in 2022, the original premium income of motor vehicle insurance will account for the highest proportion, is; This is followed by agricultural insurance and liability insurance, and the demand for the rest of the property insurance products is relatively small.

5. The demand for health insurance and agricultural insurance has great potential

China's medical security system is composed of multiple levels, such as the bottom layer, the basic medical insurance layer, and the supplementary insurance layer. Among them, the protection capacity of basic medical insurance is limited. With the aging of the population and the improvement of health awareness of the population, the demand for health insurance will rise, and the demand for health insurance has great potential.

Rural revitalization and agricultural and rural modernization require agricultural insurance to provide comprehensive insurance protection, and under the joint promotion of policy support and demand upgrading, the potential and space for the development of agricultural insurance are huge.

1. There are several key words in the question, which are analysis, insurance, and customer needs. To put it simply, it is good to see the logical order before and after. Analyze the customer's insurance needs, focusing on the analysis of the customer's actual risk, and the suitable product?

2. First of all, for customers, it is simply divided into individual customers and enterprise customers. For individuals, it is relatively simple to analyze the insurance needs of the code, and determine the most basic demand attributes of insurance according to the different characteristics of insurance such as insurance model and welfare type, and then consider the specific insurance type according to this attribute. For enterprise customers, analysis is particularly important, you need to understand the company's industry type, attributes, personnel status, profitability and many other factors, and then consider the risks existing in the operation of the enterprise, such as personnel, business interruption, property losses and other different conditions, and set up different insurance products.

3. For insurance needs, it is particularly important to analyze the late code, if you recommend a product that has no obvious effect on customers or is resistant to customers, it is undoubtedly fatal for product sales.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Different age groups have different needs.

The first thing that needs to be protected is the health of the jujube, because we don't know which one will happen first, so the health insurance should be comprehensive.

Health protection includes four aspects, death, accident, serious illness, and medical treatment, all of which are comprehensive insurance.

Everyone will get old, and they should prepare for retirement in advance.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"