Insurance protection is the foundation for the family to establish a pyramid of asset allocation.
Since last year, the financial industry has been bleak, and de-leveraging has led to asset blasting. The game of funds and drums can not continue. In contrast, the development of the insurance industry seems to be unique. On the one hand, the people’s awareness of risk aversion has indeed improved, and the perception of “insurance surname insurance” has become more profound. The number of insured persons and the scale of insurance premiums are increasing. On the other hand, insurance products have no risk of mine explosion, and channel fees are considerable. To be much lower, the cash flow is also better.
The recent contact with “Schoolmaster” is an insurance science consulting project. Founder Ma Qiuyang graduated from Tsinghua University with a major in law. He has been engaged in the Internet industry since graduation and has founded the game industry media. Many people’s insurance awareness sprouts when they first become a mother or a father. Ma Qiuyang told her that she founded the school to say that Bao’s heart is also because she became a mother. When she selected insurance for her children, she found that the current insurance service could not meet the needs of most users.
Insurance products are too abstract, and the understanding of products mainly comes from the introduction of insurance agents, but some agents do not have financial or legal-related knowledge reserves. The combination of multiple factors such as information asymmetry, high performance pressure, and high sales commissions will lead to distortions in the sales activities of insurance agents. “Some insurance products are written ambiguously, and some insurance agents have limited professional standards. They only rely on training to sell insurance. If they ask a little deeper, they will not answer them.” Ma Qiuyang said that the schoolmaster said The expert team is from key universities in China, and the analysis and understanding of insurance products is deeper.
At present, Xueba said that it maintains the traffic portals such as WeChat service number, WeChat subscription number, Dafeng number and headline number, and attracts traffic in the form of graphic science knowledge, product evaluation, and FAQs. It is slightly different from the insurance decision-making platform such as Duobao. Xueba said that it will now drain all traffic to the WeChat group, and use the community as the first drop point to increase user interaction through the community and enhance user stickiness. Cultivate your fan base and then convert from a community to a paid user. According to reports, at present, Xueba said that it has accumulated more than 10,000 operating communities, with an average of nearly 100 people per group.
Study on the operation of the user’s map
“We generally divide the community into three phases. Within one month of the establishment, we call it the new group period, 1-3 months for the medium-term maintenance period, and more than 3 months for the old group period, different stages. Will promote different content, the conversion rate of paying users can reach 20% in the new group period.” Ma Qiuyang told.
At present, there are two main ways to realize the insurance, and the paid courses and 1V1 consulting services include comprehensive household asset analysis, policy analysis, insurance product comparison, underwriting services, claims services, etc. Hundreds to thousands of dollars.
According to the introduction, Xueba said that the current service age is 28-40 years old, mainly for insurance users, and the household income level between 200,000 and 300,000 is the highest, with more than 500,000. There are also a handful of customers with annual income. Ma Qiuyang said that the demand for such families is higher, and that household incomes are growing, and the demand for insurance science and consulting will be stronger.