1, online insurance saves a lot of underwriting costs and operating costs, and reduces premiums;
2. The insurance sold by Ant Insurance is mostly short-term consumer products, which is cheaper than the long-term refundable products sold offline;
3. Online products have fierce competition and high information transparency, which is convenient for consumers to compare their choices, but it also intensifies the competition of insurance companies, which introduce preferential premiums to attract customers.
Ant Insurance is a registered trademark of Alibaba Group Holdings Limited.
Insurance underwriting; Organize the collection; Exchange money; Financial loans; Financial services; Financial evaluation (insurance, banking, real estate); Financial management; Financial consultation; Debit card service; Credit card service; Electronic transfer; Financial information.
Extended data:
Insurance is a Chinese word, pinyin is b m 4 o xi m 4 n, and English is insurance or insurance, which means safe and reliable guarantee.
Later, it was extended to a guarantee mechanism, a tool for planning life finance, a basic means of risk management under the condition of market economy, and an important pillar of financial system and social security system.
Insurance refers to the commercial insurance behavior in which the applicant pays the insurance premium to the insurer according to the contract, and the insurer bears the responsibility of paying the insurance premium for the property losses caused by the possible accidents agreed in the contract, or when the insured dies, suffers from disability, illness or reaches the age and time limit agreed in the contract.
From the perspective of economics, insurance is a financial arrangement to share the loss of accidents;
From the legal point of view, insurance is a contractual act, a contractual arrangement in which one party agrees to compensate the other party for losses;
From a social point of view, insurance is an important part of the social and economic security system and a "subtle stabilizer" for social production and social life;
From the perspective of risk management, insurance is a method of risk management.
Insurance comes from offshore lending. In the Middle Ages, Italy had high-risk loans. The interest rate of risk loan is similar to today's insurance premium, but it has dropped because its high interest rate is forbidden by the church. 1384, the first insurance policy appeared in Pisa, and the modern insurance system was born.
Insurance has gradually developed from the form of mutual assistance in the embryonic stage to adventure lending, to marine insurance contracts, to marine insurance, fire insurance, life insurance and other insurance, and gradually developed into modern insurance.
17th century, after the Renaissance in Europe, British capitalism developed greatly. After large-scale colonial plunder, Britain gradually developed into a British empire with monopoly advantages in world trade and shipping, which provided conditions for British businessmen to carry out worldwide marine insurance business. The insurance broker system also came into being.
/kloc-In the middle of the 0/7th century, Edward Lloyd opened Lloyd's Cafe on the Thames, which became a place for people to exchange shipping information, buy insurance and talk about business news. Then he started insurance business in a cafe.
1696 Lloyd's Cafe moved to London Financial Center and became the predecessor of Lloyd's.