mainly talk about internet insurance.

the proportion of internet insurance in the insurance industry will become larger and larger, and the influence of the internet on insurance will exceed offline.

from 1997 to the rapid expansion of the early insurance network marketing model, after 17 years of development, China's internet insurance has made a breakthrough in the development of figures and premium scale. According to the "Analysis Report on the Business Model and Investment Strategy of Internet Insurance Industry in China from 215 to 22" issued by the Forward-looking Industry Research Institute, the number of online insurance companies in China has increased rapidly in recent years, from 28 in 211 to 6 in 213, with an average annual growth rate of 46%; Judging from the scale of Internet premiums, the growth rate of premiums in 212 and 213 was above 17%, and the scale of premiums in 213 reached 29.115 billion yuan.

The rapid rise of Internet insurance in China is not accidental, but the inevitable choice of various insurance companies to adapt to the development of the times.

first of all, low-cost and efficient agency channels can't meet the efficiency requirements of modern enterprises. The competition in the insurance industry is constantly improving, and the quality requirements of business personnel have also been improved. Therefore, the increase of labor cost is inevitable. Not only that, the huge sales network also brings challenges to company management. Then, in 21, the new regulations on banking and insurance supervision were introduced. Banks will no longer allow insurance companies to sell insurance products at stagnation points, and each bank only provides three kinds of insurance company products, which makes the number and price of insurance channels for banks drop. According to statistics, in January and July of 214, the insurance expenses of China Life Insurance, Ping An Insurance and Taibao decreased by 1%, 65% and 25% respectively. For all insurance companies, the gradual inadaptability of traditional channels is a wake-up call.

in order to avoid failure, the development of the internet is the best choice.