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自 1 999年以来 ,各保险公司陆续推出了投资分红保险 ,但由于市场运作时间短等原因 ,使投资分红保险在推广中存在诸多问题 ,如销售有误导 ,认识有偏差 ;宣传不到位 ,信息不透明 ;覆盖面不大 ,占有率较小等。要想使投资分红保险在市场中全面铺开 ,必须合理宣传 ,找准卖点 ;做好市场策划 ,积极炒作 ;制作好计划书。投资分红保险的推出 ,是我国寿险业逐步走向成熟的标志 ,各保险公司应加强管理 ,防范风险 ,完善产品 ,使我国寿险业再上一个新台阶。
Since 1999, the insurers have successively introduced the investment bonus insurance. However, due to the short operation time of the market, there are many problems in the promotion of investment bonus insurance, such as misleading sales and misunderstanding; the publicity is not in place, the information is not in place Opaque; Coverage is not large, smaller share. In order to make the investment bonus insurance fully rolled out in the market, we must make reasonable publicity and identify the selling points; do a good job in market planning and actively speculation; and make a good plan. The introduction of investment bonus insurance is a sign that China’s life insurance industry is gradually maturing. All insurance companies should step up their management to prevent risks and improve products so as to make China’s life insurance industry to a new level.