Whalesbook
Brokers ka Insurance Sales mein Bolbala
Praxis Global Alliance ki report bata rahi hai ki naye motor aur health insurance business mein brokers aur agents ka hi sabse bada role hai, lagbhag 80% sales toh ye log hi karte hain. Digital channels badh rahe hain, phir bhi log inhi par depend karte hain kyunki complicated policies aur claims ko handle karna mushkil lagta hai.
Log Agents ko kyun Choose karte hain?
Praxis data ke according, 83% consumers ko insurance products complicated lagte hain. Zyadaatar log (two-thirds) sahi policy choose karne ke liye agents ki taraf dekhte hain, aur half log plan options samajhne mein help maangte hain. Trust, better pricing, aur acchi service bhi ek reason hai jiske wajah se log intermediaries ke saath kaam karna pasand karte hain.
Service mein Gap?
Report ye bhi bata rahi hai ki customers jo expect karte hain aur jo service unhe milti hai, usmein kaafi bada gap hai. Sirf 35% motor insurance buyers aur 28% health insurance buyers ko purchase aur claims ke time sab kuch expectations ke hisaab se mila.
Loyalty aur Customer Churn
Customers aksar insurance companies se zyada apne intermediaries se connect feel karte hain. Lagbhag 40-50% customers same agent se multiple financial products kharidte hain, jisse agents ko aur bechne mein help milti hai. Insurance companies ke liye customer churn ek badi problem hai; retail motor insurance mein 35-45% turnover aur health insurance mein pehle kuch saalon mein 25% se zyada churn dekha ja raha hai. Bahut se policyholders ko toh apna insurer yaad bhi nahi rehta, jo agent ka importance dikhata hai.
Customer ki Frustrations?
Log complex policy terms na samajh paane se kaafi pareshan hain. 50% se zyada claimants ko unka full claim amount nahi mila. Uske alawa, 40% customers ko claims settle karne mein delays aur transparency ki kami ka saamna karna pada. Bahut se log insurers se zyada engagement chahte hain, jisme 60% logon ne apni need batayi hai.