| Summary: | 碩士 === 淡江大學 === 保險學系保險經營碩士在職專班 === 102 === In today''s advanced networks, the rise of mobile devices provides the insurance industry a new marketing channels. After using research, data collection and case discussion with interviews, this study investigates the use of insurance marketing through mobile devices based on the qualitative research. The conclusion from the interview with designer policyholders, agents and mobile devices is showed as the following.
Development of mobile devices creates more options for life insurance company''s policyholders. The two functions developed by mobile devices, Cloud insurance proposals and actions, have brought great benefit to the sale persons on their marketing. The future of mobile devices will be more widely used in the insurance marketing strategies.
The two most important functions of Property and Casualty mobile devices are auto insurance positioning and danger guiding function, respectively. As the accident location can be confirmed by policyholders'' mobile devices, function can help and guide policyholders on the right track of resolving motor vehicle accidents. This helps determine the subsequent accident settlement, auto insurance claims and legal liability clearly.
There is a significant difference between life insurance and casualty insurance''s mobile software. Life insurance mobile software covers more options. Property and casualty mobile software insurance mainly focuses auto insurance because auto insurance is more relevant to the daily life, and has higher insurance rate and claim rate.
The industry has to follow a certain pattern for auto insurance claims or insured condition. Other type of insurances require professionals assessment at the scene to deal with matters of danger, which does not apply on mobile devices.
As big data and cloud concept can be applied to the development of future mobile devices, mobile devices can make instant adjustment and create corresponding marketing model for insurance marketing. The mobile devices can also combine with health management system to increase the interest of customers for using the mobile applications.
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