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续保性关系到寿险公司的生存和发展,对于寿险公司产品的盈利性、产品的定价有重要影响,亦是体现公司服务永平的重要指标。保单的失效率是衡量保单续保性的工具之一,保单替换、保单所有人暂时经济困难、销售后续服务水平低劣是保单失效的主要原因。为使保单不致失效,针对客户而言,就是销售绩优业务;针对营销员而言,就是加强培训、实行奖励或处罚、改革佣金制度;针对寿险公司而言,应从根本上重视续收工作,保证续期业务按时续保。
Survival is related to the survival and development of life insurance companies, life insurance company’s product profitability, product pricing has a significant impact, but also reflects the company’s service Yongping an important indicator. The failure rate of the policy is one of the tools to measure the renewal of the policy. The replacement of the policy, the temporary economic difficulty of the policy holder and the low level of follow-up service are the main reasons for the failure of the policy. In order to ensure the policy will not expire, in terms of customers, sales of excellent business; for marketers, is to strengthen training, reward or punishment, the reform commission system; for life insurance companies, should fundamentally attach importance to the renewal of work to ensure that Renewal of business renewal on time.