How Do I Choose the Best Hazard Insurance?

With the increase of competition players in the insurance market and the continuous improvement of people's insurance awareness, customers are becoming more rational when purchasing life insurance, and their requirements for insurance services are also increasing. How to improve its competitiveness in the increasingly competitive insurance market is an urgent issue for every insurance practitioner.

Dangerous choice

Foreword With the increasing competition in the insurance market and the increasing awareness of insurance, customers are becoming more rational when purchasing life insurance, and their requirements for insurance services are also increasing. How to improve its competitiveness in the increasingly competitive insurance market is an urgent issue for every insurance practitioner. In the 21st century, life insurance salesmen must continuously improve their professional knowledge and professional skills. While enthusiastically providing insurance services to customers, they must become consultants for customer health and financial management. Make more customers get the benefits that insurance brings them. This is not only the need to enhance the personal capabilities of the insurance practitioners, but also the need for the development of the insurance industry itself.
Dangerous selection, which is what we call risk selection, is an important part of the business management of life insurance companies, and plays an important role in the company's control of operating risks and sound operation management. Risk assessment is too rigorous, which will affect business development to a certain extent. If risk assessment is too lenient, future compensation will be greatly increased, which will affect the long-term and stable operation of life insurance companies. Therefore, how to do a good job in risk selection and risk assessment is a very important and important issue.
Frontline life insurance salespeople often encounter problems with risk selection during the exhibition process. Without the basic knowledge of dangerous selection, it is difficult to answer customer questions. As a result, salespeople often suffer from underwriting problems at critical moments. The frustration greatly affected their enthusiasm. Although the salesperson does not have the final decision on whether to accept the underwriting, they are the key person for the first dangerous choice. Through them, they can assist the underwriter to provide the required information, and mastering a certain level of underwriting knowledge can not help the frontline business personnel. , But it can help them improve sales efficiency, save sales costs, increase sales confidence, thereby laying a stable business foundation in the life insurance industry.
In the process of writing this book, a large number of theoretical and practical experiences have been gathered, and the content has strong operability and practical value. It is not only suitable for junior underwriters, but also helps provide the underwriting skills required by front-line salesmen and business executives. The editor hopes that this book will enable front-line salesmen to understand and master the underwriting knowledge necessary for marketing. They will be able to handle the contradiction between sales and underwriting easily, and easily assume the glorious responsibility of front-line underwriting.
In the process of compiling this book, I refer to a large number of domestic and foreign insurance books and training materials. I also received the warm support of Mr. Li Qiong from the Insurance Department of Wuhan University and Mr. Huang Hui from the Training Center of Shenzhen Branch of China Life Insurance Company. thank.
The editors of this book are Hu Qun (Chapter Wang to Chapter 8) and Zheng Meiyu (Chapter 9 to Chapter 12). Due to the limitation of the level, mistakes in the book are inevitable, please readers to criticize and correct!
Editor January 2003

Chapter 1 Risk and Risk Selection 1.1 Overview of Risk Selection 1.2 Actuarial Basis of Risk Selection 1.3 Structure and Risk Selection of Insurance Premiums and Insurance Premiums Chapter 2 Environmental Risk Factors and Evaluation 2.1 Occupation 2.2 Amateur Hobby and Lifestyle 2.3 Driving and Traveling 2.4 Living and Living Environment Chapter 3 Economic Risk Factors and Evaluation 3.1 Insurance Benefits 3.2 Beneficiaries 3.3 Moral Hazard 3.4 Financial Status Chapter 4 Health Risk Factors and Evaluation 4.1 Age, Gender 4.2 Physical Fitness, Blood Pressure, Heart Rate 4.3 Personal Medical History 4.4 Family medical history 4.5 Medical status Chapter 5 Risk selection process 5.1 First risk selection-selection of salesperson 5.2 Second risk selection of all-in-one physician selection 5.3 Third risk selection-selection of underwriters 5.4 The fourth risk selectionsurvival survey Chapter 6 Information Sources of Risk Selection 6.1 Impact of Information Asymmetry on Information Sources 6.2 Information Sources of Risk Selection Chapter 7 Results of Risk Selection 7.1 Customization of Mathematical Richards 7.2 Standards 7.3 Substandards 7.4 Non-insurance Chapter 8 Underwriting of Personal Insurance 8.1 Underwriting of Personal Life Insurance 8.2 Underwriting of Accidental Insurance 8.3 Underwriting of health insurance 8.4 Underwriting of major illness insurance 8.5 Underwriting of disability insurance 8.6 Underwriting of child insurance 8.7 Underwriting of annuity insurance and dividend insurance Chapter 9 Risk selection of group insurance 9.1 Overview of underwriting of group insurance 9.2 Group insurance underwriting methods 9.3 Contents of group insurance underwriting 9.4 Underwriting of various types of group insurance Chapter 10 Risk selection of preservation business 10.1 Underwriting of reinstatement business 10.2 Underwriting of claims information feedback business 10.3 Supplementary notification business verification Insurance 10.4 Underwriting of insurance contract change business 10.5 Underwriting of additional additional insurance business 10.6 Application for underwriting of health insurance premium reduction business Chapter 11 Relationship with other business links 11.1 Underwriting and actuarial 11.2 Underwriting and claims 11.3 Underwriting and Medical 11.4 Underwriting and Law 11.5 Underwriting and Information Technology 11.6 Underwriting and Sales Chapter 12 Understanding Common Diseases in Underwriting 12.1 Physical 12.2 Respiratory Diseases 12.3 Digestive Diseases 12.4 Blood System Diseases 12.5 Circulatory System Diseases 12.6 Diseases of the urinary system 12.7 Diseases of the reproductive system 12.8 Diseases of the endocrine system 12.9 Diseases of the motor system 12.1 0 Diseases of the ear, nose, throat and eye 12.1 1 System diseases is a major bibliography

1. The National Life Table and Experience Life Table are based on human survival and death as insurance accidents. Therefore, for many insured persons, whether they can accurately predict their mortality is the basis of safe life insurance operations. For a specific person, it is impossible to predict when to die or survive to what age, but for a certain age group, there is a rule to follow. By using the law of large numbers, it can be roughly Calculate the probability of death, a chart composed of the death probability of people of all ages, that is, the Life Table.
The life table is a statistical table that represents the life situation of a generation from birth to death. It is generally assumed that 100,000 people are taken as a unit, and the records of each of these 100,000 people from birth to death until the death of all 100,000 people are observed. Assume that at the beginning of the year, 100,000 babies are born at the same time. Due to the difference between congenital and acquired, the number of survivors in each subsequent year will continue to decrease, and the number of deaths will continue to increase until all 100,000 people die The life table of life, death rate, and average life expectancy at each age is compiled and analyzed by statistical methods to compile and analyze this process from birth to death.
Life tables are generally divided into national life tables and empirical life tables. The national life table is usually obtained by the national population statistics department based on census data, but because the census collection methods often cause errors or errors in the data, the death statistics provided by the demographic department are often not complete and accurate. At the same time, the mortality rate of the population targeted by the census is often different from that of the insured population insured by life insurance companies. Therefore, the national life table is not applicable to the calculation of insurance rates by life insurance companies.
The empirical life table is compiled by the life insurance company based on the death data of the insured accumulated during the years of operation. As the insurance company's accumulated records of death statistics of the insured are often relatively complete and accurate, this also facilitates the calculation of accurate mortality rates by age and gender. The empirical life table and the life insurance company's business process compiled based on this There was a good agreement between the mortality rates that occurred.

China's life insurance industry was introduced during the development process. The insurance system of developed countries in the insurance industry has generated a large number of insurance salespeople, mainly insurance agents. Insurance clerks are the main body of insurance practitioners, and their work requires not only good physical strength and enthusiasm, but also sufficient insurance knowledge, skilled professional skills and noble professional ethics. Although most life insurance companies have realized this, due to the short period of formation and rapid development of the life insurance market in China, the education and training of domestic life insurance companies is not mature, and they are in a "bottleneck" state. The strong demand for education and training, on the other hand, is the embarrassment of the loss of the organization of education and training. To effectively solve the "bottleneck" problem, we must systematically teach basic theoretical knowledge such as insurance, management, and marketing to improve the comprehensive quality of salespersons; at the same time, we must effectively cooperate with a progressive training system that solves specific problems in the exhibition industry. Improve sales skills. To achieve this goal in life insurance education and training, a set of effective and practical teaching materials is the most basic guarantee. To this end, we have compiled this "life insurance education and training series of teaching materials" to cooperate with the effective implementation of systematic education and training.
The "Life Insurance Education Training Series" is a systematic and standardized professional textbook with the following characteristics:
First, form a unique system of education and training for life insurance salesmen. This set of textbooks is not written according to the training of salesmen in general life insurance companies. Instead, it aims at establishing a salesperson education system. It adopts a step-by-step approach, connecting from shallow to deep, to form a new life insurance salesman from newcomers and business backbones. Until the cultivation of a complete education and training system for junior, middle and senior managers.
Second, the training of life insurance salesmen is clearly divided into two parts: "education" and "training". The education part includes the basic knowledge of life insurance, relevant laws and related financial knowledge; the training part includes many aspects such as sales skills and marketing management. Our purpose is to make the salesman know both the reason and the reason in the process of selling insurance.
Third, the basic knowledge of life insurance, sales skills and typical cases in reality are integrated into one. This set of textbooks starts from the actual growth of life insurance salespersons and combines the characteristics of its sales work. It not only pays attention to the principles, regulations, principles, methods, and management tools, etc. that should be known, but also supports a large number of actual life insurance cases and successful life insurance business The experience of the staff will be discussed by the trainees to deepen their understanding of life insurance and life insurance marketing.