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在我国目前的情况下,投资连结保险还不适合大规模进入市场。如果客户在产品中没有得到预期的利益,会使保险公司存在退保的风险,从而影响我国保险业健康发展。在世界范围内,销售投资连结保险产品成功的市场条件应具备以下一些特点:一是有足够的投资渠道。二是营销员对投资有基本的认识并具有良好的职业道德。三是客户对投资连结保险所具有的风险有深刻的认识。四是保险公司有丰富的管理经验,先进的电脑管理系统。从国际保险市场发展看,美国用近30年的时间才完成了传统寿险产品
In our country’s current situation, investment-linked insurance is not suitable for large-scale access to the market. If the customer does not get the expected benefits in the product, there will be the risk of surrender insurance companies, thus affecting the healthy development of China’s insurance industry. In the world, the successful market conditions of sales investment linked insurance products should have the following characteristics: First, there are enough investment channels. Second, marketers have a basic understanding of investment and have good professional ethics. Third, customers have a deep understanding of the risks associated with investment linked insurance. Fourth, insurance companies have rich management experience, advanced computer management system. Judging from the development of the international insurance market, the United States took nearly 30 years to complete the traditional life insurance products