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保 險 業 ?
趨 勢 與 願 景
報告?人:許若軒
磊山保经
经紀人的起源?
保險公司
顧客
保險?
经紀人
磊 山 保 经
韓國
?香港
新加坡
台灣
磊 山 保 经
全球及台灣保经代發展
90%
70%
100%
90%
Japan
10萬?人
20萬?人
30萬?人
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
壽險公司 代理?人 经紀?人
保險業務員人數
資料來源:保險事業發展中?心
磊 山 保 经
壽險公司 代理人 经紀人
業務員比例分佈圖
2004 2011 2012
資料來源:保險事業發展中?心
磊 山 保 经
數據分析
保險公司?
登錄?人數
增減比
保險業?
佔比
经代公司?
登錄?人數
增減比
保險業?
佔比
2011 165941 -5.4% 61% 105922 X 39%
2012 171950 3.6% 59% 120146 13.42% 41%
資料來源:保險事業發展中?心
磊 山 保 经
保費收入
NT$10,000億
NT$20,000億
NT$30,000億
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
壽險公司 代理?人 经紀?人
資料來源:保險事業發展中?心
磊 山 保 经
壽險公司 代理人 经紀人
保費比例分佈圖
2004 2011 2012
資料來源:保險事業發展中?心
磊 山 保 经
市場發展
50%
100%
150%
200%
250%
2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012
222.97%
215.8%210.7%204.8%203.3%
196%
184%
176.1%
166.2%
158.87%
143.7%
135.4%
資料來源:保險事業發展中?心
台灣平均投保率
磊 山 保 经
資料來源:保險事業發展中?心
平均投保率於2008年超
過203%,邁入成熟市
場。
保戶保險成熟度大幅增加?
,投保率持續增加。
業務員客觀度及專業度?
,成為業績成長最重要關?
鍵。
磊 山 保 经
保險業趨勢
50%
100%
150%
200%
250%
2001 2003 2005 2007 2009 2011
法律定位
保險法 第一章第一節
第9條(保險经紀?人之意義)!
本法所稱保險经紀?人,指基於被保險?人之利益,洽
訂保險契約或提供相關服務,?而收取佣?金或報酬之?人。
磊 山 保 经
資訊傾斜
商業環境中,掌握資訊多者,
擁有較強之議價能力。
磊 山 保 经
保險经紀人vs保險公司
保險经紀人 保險公司
代表客戶尋找需要的商品 代表單一公司銷售商品
依客戶需求提供優勢商品
代理多家優勢商品
綜合性服務
銷售公司主推商品
代理單一公司商品
單一公司服務
需求
商品
服務
定位
磊 山 保 经
隨競爭環境的變化,決勝的因
素也隨之變化,舊经營模式被
新经營模式取代。
企業管理之典範轉移 磊 山 保 经
磊 山 保 经
認識磊山 磊 山 保 经
磊山保險经紀人
新世代的保險经紀公司
人字型的外觀?
代表以人為本,?
眾志成城的企業精神。
磊 山 保 经
認識磊山
眾多的堆砌的岩石?
代表磊落踏實,?
穩重如山的经營理念。
磊 山 保 经
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保险业趋势与愿景