1.促进保险企业业务优势互补,增强其竞争力。例如,美国大都会与新英伦互惠这两家保险公司在1995年发展都不顺利,但它们在业务上有很多互补性,大都会人寿的保户以中产家庭为主,而新英伦互惠则以高收入家庭为主;大都会人寿以雇员方式推销展业,而新英伦互惠则是运用外界代理销售渠道,为求得发展,1996年它们合并,以达到优势互补的良好效果。再如,1996年英国皇家保险公司与太阳联 1. To promote the insurance business complement each other and enhance their competitiveness. For example, the U.S. Metropolis and New England Mutual Benefit Both insurance companies did not go well in 1995, but they were very complementary in their businesses. Most of the life support policyholders in the metropolitan family were middle-class, while New England mutual benefit High-income families dominated; MetLife promoted its business as an employee, whereas New England benefited from the use of outside agent sales channels. In 1996, they merged to achieve the good results of complementarity. Another example, the British royal insurance company in 1996 with the sun