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西蒙顾和:2025年年中美国保险行业趋势报告:五大趋势(中译版)(39页).pdf

上传人: Kell****reet 编号:714262 2025-06-20 39页 3.44MB

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1、iStock/Jasmina0072025Insurance Trends Driving GrowthiStock/Jasmina0072Source:Simon-KucherFive key trends observed in the first half of 2025 iStock/designer491iStock/Delmaine-DonsoniStock/kiddy0265Creating needs based customer segmentsCreating needs based customer segmentsiStock/ipopbaPreparing for A

2、IiStock/scyther5Selling insurance portfolios not productsBuilding a retention playbookDeveloping incentive programs for brokers and policy holdersSimon-Kucher|Industry trends|Insurance|Q2 2025iStock/Jasmina0073Source:Simon-KucherFocusiStock/designer491iStock/Delmaine-DonsoniStock/kiddy0265Creating n

3、eeds based customer segmentsCreating needs based customer segmentsiStock/ipopbaPreparing for AIiStock/scyther5Selling insurance portfolios not productsBuild retention playbookDeveloping incentive programs for brokers and policy holdersSimon-Kucher|Industry trends|Insurance|Q2 20254Source:Simon-Kuche

4、rInsurance vendors employing needs-based segmentationVendors are better aligning their offering to the needs of carrier customers with a combination of demographic and needs based segmentation Demographic segmentation:Tangible datapoints traditionally used in customer segmentation(e.g.,DWP,LOBs,HQ L

5、ocation etc.)Needs based segmentation:Less tangible underlying core buying needs typically identified through discovery questionsCommon delineator amongst segments is the carriers policy holder strategy(i.e.,customer NPS is top priority)and their internal strategic orientation(i.e.Highly collaborati

6、ve across Bus)Simon-Kucher|Industry trends|Insurance|Q2 20255Source:Simon-KucherCustomer A(Formerly Prince Charles)Born in 1948 Grew up in the UK Married 2 children Lives in a castle Rich and famousLet us assume these two customers have different buying values and needs Customers may look the same o

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根据报告的内容,本文主要概括了2025年保险行业发展的五大趋势: 1. **基于需求的客户细分**:通过结合人口统计和“基于需求”的细分,更好地满足客户需求。 2. **为AI做准备**:利用机器学习用例为AI做准备,尽管AI仍处于初级阶段,但为AI准备数据基础设施是必要的。 3. **销售保险组合而不是产品**:从单一产品销售转向捆绑销售,以增加客户粘性。 4. **建立留存剧本**:通过提供灵活的定价选项、准备留存策略和建立留存团队,来应对价格上涨时客户留存问题。 5. **为经纪人和保单持有人开发激励计划**:通过金钱和非金钱激励,提高客户参与度、留存率和期望行为。 文章引用的核心数据包括:82%的美国财产险客户希望捆绑购买产品,捆绑销售可以增加3-10个百分点的留存率,以及提高每位客户的产品密度10-15%。
2025年保险业五大增长趋势是什么? 如何利用人工智能提高客户留存率? 保险销售商如何激励代理人和保单持有人?
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