At present, guaranteed insurance is the choice that most people in China buy. . After all, the risk awareness is still not high. In everyone's view, the nature of insurance financing is greater than hedging. When do I want to:

Customer-oriented, 1, knowing more high-net-worth customers to do business through channels, or they are rich, educated and risk-averse, which is part of the asset allocation when these people buy insurance.

2 provide accurate positioning of products and reduce premium. For example, combining big data and data analysis can provide customers with products with lower premiums and better protection, or products that accurately meet customer needs and have no security attributes.

3 waiting time. It will take a long time for these people with strong insurance awareness to dominate consumption. This part also needs the whole insurance industry to change the current social cognition of insurance on the basis of self-discipline and fair competition.