【Capgemini】代理人真正要求的是什么？人寿保险公司不能忽视的3个数字要务-2025_9页_686kb

Summary

Life insurance adoption has decreased from 63% in 2011 to 51% in 2024, mainly due to cost perceptions among consumers, with agents hindered by outdated technology. Insurers must focus on empowering agents through three digital imperatives to reverse this trend and enhance customer experiences.

1. Expand market reach: Provide agents with user-friendly field marketing tools, AI for targeted outreach, and subscription-based services to grow their influence beyond traditional networks.

2. Sell more policies faster: Implement streamlined onboarding with centralized CRM, AI-powered quoting, and predictive analytics to reduce roadblocks like complex applications and delayed underwriting.

3. Provide best-in-class experience: Deploy digital platforms for efficient claims processing, self-service options, and AI chatbots to minimize wait times and improve customer support throughout the policy lifecycle.

This digital transformation, supported by case studies from insurers, enables personalization, efficiency gains, and scalability, positioning life insurers for long-term success in a competitive landscape.