| Summary: | 碩士 === 淡江大學 === 保險學系保險經營碩士在職專班 === 104 === Nowadays, with the diversification of consumer needs, the insurance companies developed their sales channels from mainly single, i.e. the solicitor, to multiple ways, such as telephone, internet, or other distribution system, i.e. the insurance brokers and insurance agent. As for sales channels development of insurance broker companies and insurance agent companies; in recent years, benefit from some foreign insurance companies pulled out of Taiwan market successively, increased more registered solicitors and sales growth. Besides, the insurance companies also found the sales channel grown up increasingly from both insurance broker companies and insurance agent companies; hence, started to pay more attention on the cooperation with.
The paper probed into a case study regarding a life distribution system of a life insurance company and the insurance broker company. Based on this cooperation case between One life insurance company and Two (expressed in A & B) insurance broker companies, the paper analyzed their practical annually performances; meanwhile, dissected issues in-depth through the expert interviews. As the result, the paper summarized some conclusions as following：
1、Due to the resource limitation, life insurance company can choose the insurance broker company which contributed the most underwriting profit as a core strategic alliance partner. Moreover, this strategic
alliance helped to increase considerable underwriting profit for both companies.
2 、 Because the conditions agreed on the incentive contract, the persistency rate still remained as usual. Relatively, it also brought a positive growth to underwriting result for both cooperative parties.
3、In order to hold the B2B mission statement, the insurance companies should compliant the interpretation announced by the Authorities regarding that the commissions, bonus, or expanses extra paid by an insurance company should not exceed the surcharge; otherwise, the possibility of loss from spread of cost may be induced. When insurance companies can follow the interpretation as above, not only being assured to operate much more steadily; but also being safeguarded to the customer interests.
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