JP2005157914A - Insurance product management system, insurance product management method and insurance product management program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an insurance product management system, an insurance product management method and an insurance product management program for properly selecting an optimal insurance product fit the insurance of the future life of a customer from among a plurality of the insurance products of a plurality of insurance companies, and for quickly presenting the selected insurance product and the estimate of payment necessary for its purchase contract to the customer. <P>SOLUTION: The secured sum of a future life required by the customer is calculated based on customer information inputted by a terminal 1. Then, an insurance product satisfying the calculation result is initially selected from among the insurance products of the plurality of insurance companies. Furthermore, the insurance product matched with the request of the customer inputted from the terminal is finally selected from among the initially selected insurance products. Then, payment necessary for the purchase contract of the initially selected or finally selected insurance product is estimated. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to an insurance product management system, an insurance product management method, and an insurance product management program for presenting optimal insurance products to customers.

  In general, insurance agencies are often dedicated to a single company, such as life insurance and non-life insurance, and select insurance products that are likely to suit their customers from the insurance products of the company they belong to. To the customer along with an estimate of the payment.

  Recently, due to liberalization of life insurance and non-life insurance, each insurance company has developed many unique insurance products, and the insurance agency that handles it also handles the products of many insurance companies as well as one company It has become.

Of the many insurance companies and insurance agents, which insurance company or insurance agent the customer chooses can be determined by the relationship between the customer and the salesperson (also called the salesperson), the introduction of a third party, etc. Many.
Also, due to liberalization, the types of insurance handled by insurance agents are becoming enormous. In such circumstances, it is very difficult to present optimal insurance products to customers. The fact is that insurance products are simply selected based on the rules of sales and intuition of sales staff.

  For this reason, it is questionable whether the insurance products presented to customers by insurance companies and insurance agents are really satisfactory for customers. Many customers continue to purchase purchases of the same insurance products indefinitely while distrusted or dissatisfied with the insurance products presented.

  The present invention takes the above circumstances into consideration, and the purpose of this invention is to appropriately select an optimal insurance product suitable for guaranteeing the future life of the customer from among many insurance products of a plurality of insurance companies. Reliable insurance product management system, insurance product management method, and insurance product management program capable of promptly presenting selected insurance products to customers together with an estimate of the amount of payment required for the purchase contract Is to provide.

  The insurance product management system of the invention according to claim 1 is capable of transmitting information between a terminal of a store or a salesperson and a processing device of a management center, and is provided in the processing device and includes a plurality of insurance products. Based on the customer information input by the operation means provided in the storage means storing the insurance product of the company, the operation means for inputting information about the customer provided in the terminal, and the processing device. Calculating means for calculating the guaranteed amount of future life required by the terminal, control means for displaying the calculation result of the calculating means provided in the terminal, and a processing device for each insurance product in the storage means Among them, selection means for initially selecting insurance products that satisfy the calculation result of the calculation means, control means for displaying the initially selected insurance products provided on the terminal, and terminal for inputting the customer's request Shita A selection means for finally selecting an insurance product that meets the demand input by the operation means, and provided at the terminal, and the final selection is provided on the terminal. A control means for displaying the insurance product on the terminal, a processing unit, an estimation means for estimating a payment amount required for a purchase contract for the initial selection or the final selection of the insurance product, and a terminal. Control means for informing the estimation result of the estimation means.

  The insurance product management method of the invention according to claim 2 stores insurance products of a plurality of insurance companies in a processing device, and is capable of transmitting information between a terminal of a store or a salesperson and the processing device. , A step of calculating a guaranteed amount of future life required by the customer based on customer information input at the terminal, a step of displaying the calculation result on the terminal, and each insurance product stored in the processing device Among these, the step of initially selecting an insurance product that satisfies the above calculation result, the step of displaying the initially selected insurance product on the terminal, and the customer input from the terminal among the initially selected insurance products. The final selection of insurance products that meet the requirements, the step of displaying the final selection of insurance products on the terminal, and the purchase contract for the initial selection or the final selection of insurance products A step of estimating the main payment amount, and a, and displaying the estimated result in the terminal.

  The insurance product management program of the invention according to claim 3 calculates the guarantee amount of the future life required by the customer based on the procedure for accepting the input of the customer-related information to the computer and the input information. A procedure, a procedure for notifying the calculation result, a procedure for initially selecting an insurance product satisfying the calculation result among insurance products of a plurality of insurance companies, a procedure for notifying the initially selected insurance product, Of the initially selected insurance products, a procedure for final selection of insurance products that meet the customer's request, a procedure for notifying the final selection of insurance products, and purchase of the initial selection or the final selection of insurance products. A procedure for estimating the payment amount necessary for the contract and a procedure for informing the estimation result are executed.

  According to the insurance product management system, insurance product management method, and insurance product management program of the present invention, the optimal insurance product suitable for guaranteeing the future life of the customer is appropriately selected from among many insurance products of a plurality of insurance companies. In addition, the selected insurance product can be promptly presented to the customer together with an estimate of the amount of payment required for the purchase contract, and high reliability can be obtained from the customer regarding the selection of the insurance product.

Hereinafter, an embodiment of the present invention will be described with reference to the drawings.
As shown in FIG. 1, a terminal 1 such as a personal computer is installed at a store. The salesperson has a terminal 2 such as a notebook personal computer. These terminals 1 and 2 can be connected to the processing apparatus 4 installed in the management center via a communication network 3 such as the Internet.

  The terminals 1 and 2 are used as operation means for inputting information related to the customer, and display information sent from the processing device 4 on the display screen to notify the customer and salesperson.

  The processing device 4 includes a server 5 using a computer as a main control device, and as storage means, an insurance company / product database (DB) 6, a guarantee amount calculation database 7, a store / employee database 8, a customer management database 9 have.

  The insurance company / product database 6 stores the names of a number of life insurance companies, as well as names, contents, and estimate calculation programs for all insurance products of each life insurance company. Yes.

  The guarantee amount calculation database 7 stores various calculation patterns A, B,... For calculating a future life guarantee amount required by the customer based on customer information input from the terminals 1 and 2. Yes. These calculation patterns are: customer income, residence type (owned house / rental, etc.), necessity of durable consumer goods (automobile, etc.), pension supply and demand, pension benefit start age, necessary expenses after death (funeral expenses / emergency Many are prepared in advance according to the cost of living, the possibility of working for the bereaved family, the risk of hospitalization due to illness or injury, and the risk of fluctuations in the guarantee amount or refund. Examples of two calculation patterns A and B are shown in FIGS.

  2 and 3, a indicates a basic pattern line indicating the correspondence between the age and the guaranteed amount, and b,... N indicate the family situation (presence of dependents, number of children, age of children, etc.) and school attendance of children. A branch pattern line that branches according to the degree of expectation, etc., and the basic pattern line a and each of the branch pattern lines b,... N, monthly living expenses (food expenses, utility expenses, etc.)・ Variation range β is set according to the lesson. 2 and 3, the angle of the basic pattern line a is slightly different.

  The store / staff database 8 stores various data relating to the store and the salesperson. The customer management database 9 stores various data related to customers.

The terminals 1 and 2 include the following means (1) to (3) as main functions.
(1) Operation means for inputting information related to customers.
(2) Control means for sending the inputted customer information to the server 5 of the processing device 4 via the communication network 3.
(3) Control means for displaying various information sent from the server 5 on a display screen and notifying a customer or salesperson.

On the other hand, the server 5 of the processing device 4 has the following means (11) to (20) as main functions.
(11) Reception means for receiving customer information sent from the terminal 1 or the terminal 2.
(12) A selecting means for selecting one of the calculation patterns A, B,... In the guaranteed amount calculation database 7 that is most suitable for the received customer information.
(13) A calculation means for calculating the guaranteed amount of future life required by the customer based on the selected calculation pattern.
(14) Control means for transmitting the calculated guaranteed amount to the information input source terminal 1 or terminal 2 via the communication network 3.

(15) A selection means for initially selecting an insurance product satisfying the calculated guarantee amount among the insurance products in the insurance company / product database 6.
(16) Control means for transmitting the name and contents of the initially selected insurance product to the information input source terminal 1 or terminal 2 via the communication network 3.

(17) A selection means for finally selecting an insurance product that meets the customer's request sent from the terminal 1 or the terminal 2 from the initially selected insurance products.
(18) Control means for transmitting the name and contents of the finally selected insurance product to the terminal 1 or the terminal 2 that is the information input source via the communication network 3.
(19) Estimating means for estimating the payment required for the purchase contract of the initially selected or final selected insurance product by calculation according to the estimation calculation program in the insurance company / product database 6.
(20) Control means for transmitting the estimation result to the terminal 1 or terminal 2 that is the information input source via the communication network 3.

Next, the operation of the above configuration will be described with reference to the flowchart of FIG.
The customer who goes to the store communicates his / her wishes and information to the salesperson while interviewing the salesperson (also called salesperson or financial planner).

  As customer information to be communicated, income, form of residence (owned house / rental, etc.), necessity of durable consumer goods (automobile, etc.), pension supply and demand, pension benefit start age, necessary expenses after death (funeral expenses / emergency life) Cost, etc.), possibility of working for bereaved families, risk of hospitalization due to illness or injury, concept of risk of fluctuation in guaranteed amount or refund, existence of dependents, number of children, age of children, expectation of children's enrollment There is.

  The salesperson inputs information heard from the customer into the terminal 1 as customer information. This input can be performed by the customer's own operation while following the guidance on the display screen of the terminal 1.

  Thus, when customer information is input (YES in step 101), one of the calculation patterns A, B,... In the guarantee amount calculation database 7 in the processing device 4 that best matches the input customer information. Is selected. Then, based on the selected calculation pattern, a guaranteed amount of future life required by the customer is calculated (step 102).

  The calculated guarantee amount is displayed in the form of a bar graph on the display screen of the terminal 1 (step 103). With this display, the customer and the salesperson can easily grasp the calculated guarantee amount.

  Then, among the insurance products of tens of insurance companies, the insurance products satisfying the calculated guarantee amount are initially selected (step 104). There may be one insurance product initially selected or a plurality of insurance products. The types of insurance products initially selected include, for example, life insurance, term insurance, annuity insurance, and medical insurance.

  The name and contents of the initially selected insurance product are displayed on the display screen of the terminal 1 (step 105). By this display, the customer and the sales staff can easily grasp the insurance product selected at the beginning including the insurance company.

  When there are a plurality of initially selected insurance products, the customer communicates his / her request to the salesperson. This request is input from the terminal 1. As input requests, for life insurance, “type that emphasizes savings” is good, “type that follows future interest rate fluctuations” is good, “type with high premium return rate” is good, “somewhat The type with low insurance premiums while ensuring the savings of the economy is good, and the type with low insurance premiums even if savings is ignored is good. For term insurance, there is a designation of whether or not it is a “smoker”. For medical insurance, “type of benefits from two days and nights” is preferable, “type of benefits is 60 days”, “type of benefits more than 120 days” is good, “from two days and nights” There is a type that does not require benefits.

  When such a request is input (YES in step 106), an insurance product that meets the input request among the initially selected insurance products is finally selected (step 107).

  The name and contents of the finally selected insurance product are displayed on the display screen of the terminal 1 (step 108). With this display, the customer and the salesperson can easily grasp the insurance product to be finally selected.

  After the initial selection, or after final selection based on the input of the request, the salesperson inputs an estimate instruction on the terminal 1, thereby calculating the payment amount required for the purchase contract of the insurance product selected at the initial selection or final selection. (Step 109).

  This estimation result is displayed on the display screen of the terminal 1 (step 110). With this display, the customer and the salesperson can easily grasp the payment amount necessary for the purchase contract of the insurance product selected at the initial selection or final selection.

  As described above, based on the customer information input at the terminal 1 (or the terminal 2), the guaranteed amount of future life required by the customer is calculated, and the calculation result is displayed on the terminal 1, The insurance products satisfying the above calculation result are initially selected among the insurance products of the insurance companies, and the initially selected insurance products are displayed on the terminal 1. Further, among the initially selected insurance products, an insurance product that meets the customer's request input from the terminal is finally selected, and the finally selected insurance product is displayed on the terminal 1. Then, the payment amount required for the purchase contract of the insurance product selected at the initial selection or the final selection is estimated, and the estimated result is displayed on the terminal 1.

  Therefore, it is possible to appropriately select the optimal insurance product that meets the guarantee of the customer's future life from among many insurance products of multiple insurance companies, and the payment amount required for the purchase contract for the selected insurance product. Can be promptly presented to the customer along with the estimate.

  With the liberalization of life insurance and non-life insurance, each insurance company has developed a number of unique insurance products, and the insurance agents that handle them are now handling the products of many insurance companies as well as one company. Under certain circumstances, the types of insurance handled by insurance agents are becoming increasingly large. Under such circumstances, analyzing customer requirements, creating and displaying a life plan, automatically selecting the most appropriate insurance product from many insurance companies, and creating an estimate, Not only is it very convenient for customers, but also for insurance agents, it improves work efficiency and leads to an increase in the number of contracts. High reliability for insurance agency operations can also be secured.

  In addition, this invention is not limited to the said embodiment, A various deformation | transformation implementation is possible in the range which does not change a summary.

The block diagram which shows the structure of one Embodiment of this invention. The figure which shows the example of the calculation pattern in the embodiment. The figure which shows another example of the calculation pattern in the embodiment. The flowchart for demonstrating the effect | action of the embodiment.

Explanation of symbols

  DESCRIPTION OF SYMBOLS 1 ... Terminal, 2 ... Terminal, 3 ... Communication network, 4 ... Processing apparatus, 5 ... Server, 6 ... Insurance company / product database, 7 ... Guarantee amount calculation database, 8 ... Dealer / member database, 9 ... Customer management database

Claims (3)

In an insurance product management system capable of transmitting information between a terminal of a store or salesperson and a processing device of a management center,
A storage means provided in the processing device and storing insurance products of a plurality of insurance companies;
An operating means provided on the terminal for inputting information about the customer;
A calculation means for calculating a guaranteed amount of future life required by the customer, based on the customer information provided in the processing device and input by the operation means;
Control means provided in the terminal and displaying a calculation result of the calculation means;
A selection means for initially selecting an insurance product that satisfies the calculation result of the calculation means, among the insurance products in the storage means, provided in the processing device;
Control means provided on the terminal and displaying the initially selected insurance product;
An operating means provided on the terminal for inputting the request of the customer;
A selection unit that is provided in the processing device, and that finally selects an insurance product that meets the request input by the operation unit among the initially selected insurance products;
Control means provided on the terminal and displaying the final selected insurance product on the terminal;
Estimating means provided in the processing device for estimating a payment amount required for a purchase contract of the initial selection or the final selected insurance product;
A control means provided in the terminal for notifying an estimation result of the estimation means;
An insurance product management system comprising: In the case where insurance products of a plurality of insurance companies are stored in the processing device and information can be transmitted between the terminal of the store or the salesperson and the processing device,
Calculating a future life guarantee amount required by the customer based on the customer information input at the terminal;
Displaying the calculation result on the terminal;
Of the insurance products stored in the processing device, initially selecting an insurance product that satisfies the calculation result;
Displaying the initially selected insurance product on the terminal;
Of the initially selected insurance products, the step of finally selecting insurance products that meet the customer's request input from the terminal;
Displaying the final selected insurance product on the terminal;
Estimating a payment required for a purchase contract of the initial selection or the final selected insurance product;
Displaying the estimation result on the terminal;
An insurance product management method comprising: On the computer,
A procedure to accept information about the customer,
A procedure for calculating a future life guarantee amount required by the customer based on the input information;
A procedure for informing the calculation result;
Among the insurance products of a plurality of insurance companies, a procedure for initially selecting an insurance product that satisfies the calculation result;
A procedure for informing the initially selected insurance product;
Among the initially selected insurance products, a procedure for final selection of insurance products that meet the customer's request;
Informing the final selected insurance product;
A procedure for estimating a payment required for a purchase contract of the initial selection or the final selection of the insurance product;
A procedure for informing the estimation result;
Insurance product management program to execute.

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