| Summary: | 碩士 === 朝陽科技大學 === 保險金融管理系碩士班 === 96 === This paper establishes an understanding of the problems faced by insurance agents in the marketing of investment-linked insurance products and the relevant impacts. The conclusions of this paper are as follows:
1.Sales agents believe that the know-how in investment-linked insurance products is a prerequisite in the future. Also, investment-linked products are more complex than traditional policies and therefore, they are more difficult to understand. The market potential for unit-linked insurance products still has room for development.
2.When marketing investment-linked products, agents feel that it is more difficult to obtain licenses for such products compared to traditional products. The after-sale services for investment-linked products are also more demanding and complicated. Agents would analyze the market of investment-linked insurance products before they market them because they believe that this is an important issue.
3.Training classes offered by companies such as sales techniques, popular funds in Taiwan and overseas, introductions to different products are all very helpful to the marketing of unit-linked products for agents.
4.Although investment-linked products have created premium incomes for new contracts twice as much as traditional products in 2007, only 8.6% of the interviewers intend to focus 8.6% of their efforts on investment-linked products in the future. 81% of the agents decide to split their efforts on both investment-linked products and traditional products. This shows that traditional products should not be abandoned. Both companies and agents should meet the needs of policyholders for sustainable businesses.
Key words: Investment-linked insurance, Insurance sales, Licences of investment –linked insurance products
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