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保険業界向けDTC (Direct to Consumer) - テーマ別分析

Direct to Customer in Insurance - Thematic Research

発行 GlobalData 商品コード 933457
出版日 ページ情報 英文 42 Pages
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保険業界向けDTC (Direct to Consumer) - テーマ別分析 Direct to Customer in Insurance - Thematic Research
出版日: 2020年04月30日 ページ情報: 英文 42 Pages
概要

デジタル化によって顧客の態度や購買行動が形成されるので、保険会社は流通モデルを再考し、直接チャネルに大きな重点を置くことを余儀なくされています。損害保険も生命保険も、価格と評判が顧客の意思決定プロセスの中心です。既存のプレーヤーは直接販売の最大の市場シェアを有していますが、新規参入企業は直接チャネルに重点を置き、顧客からあつれきを取り除くことに優れています。これは、ブランドを差別化するのに役立ちます。ほとんどの保険会社は仲介業者と強いつながりを持っていますが、マージンの改善の見通しにより、直接チャネルへの投資を継続する動機が生まれます。

当レポートでは、保険業界向けDTC (Direct to Consumer) について調査分析し、保険業界の進化について、体系的な情報を提供しています。

目次

  • プレーヤー
  • テーマの概要
  • 直接チャネルと間接チャネルの違い
  • 直接チャネルのイネーブラー
  • 直接チャネルの促進要因
  • 動向
  • 技術動向
  • 業界動向
  • マクロ経済動向
  • 規制動向
  • 業界分析
  • 競合分析
  • タイムライン
  • バリューチェーン
  • 製品開発
  • マーケティングと流通
  • 引受とリスクプロファイリング
  • クレーム管理
  • 顧客サービス
  • 企業セクション
  • 公開企業
  • 非公開企業
  • 用語集
  • 参考文献
  • 付録:調査手法
目次
Product Code: GDIN-TR-S017

As digitization continues to shape customers' attitudes and purchasing behaviors, insurers are being forced to rethink their distribution models and put a greater focus on the direct channel. For both non-life and life products, price and reputation are at the heart of the customer decision-making process. Established players have the largest market shares for direct sales, but new entrants have focused their efforts on the direct channel and have excelled at removing friction from the customer journey. This is helping them differentiate their brands. Most insurers continue to hold strong ties with intermediaries, but the prospect of improved margins will incentivize them to continue investing in the direct channel.

This report explores how the insurance industry has evolved from selling products almost solely via brokers and other intermediaries to more direct methods as consumers become increasingly connected. It highlights which business lines have been most commoditized, rendering them more suitable for direct and unadvised sales. It explores how insurers are changing their communication strategies in a bid to improve customer engagement and retention. The report also reveals which mediums and technologies have the potential to generate further opportunities to engage with customers and improve brand awareness.

Scope

  • The direct channel is experiencing the fastest growth with both non-life and life products, although it is still more prominent for the former.
  • Direct sales are also better established within personal lines than commercial products, as consumers' willingness to pay for financial advice dissipates and online media facilitates direct interaction.
  • As the direct channel grows, insurers are putting a greater focus on the user experience and overall customer journey. Insurers are increasingly present across different media, including social media and messaging apps.

Reasons to Buy

  • Examine the size of the direct channel across selected key countries.
  • Understand the key factors contributing to the rapid growth of the direct channel.
  • Learn what insurance companies are doing to successfully communicate and engage with customers
  • Improve the customer journey and brand loyalty by understanding what matters to consumers.
  • Discover which are the most selected providers in the direct channel by non-life and life product lines (UK only).

Table of Contents

  • Players
  • Thematic briefing
  • What's the difference between the direct and indirect channels?
  • Enablers of the direct channel
  • What's driving the direct channel?
  • Trends
  • Technology trends
  • Industry trends
  • Macroeconomic trends
  • Regulatory trends
  • Industry analysis
  • Competitive analysis
  • Timeline
  • Value chain
  • Product development
  • Marketing and distribution
  • Underwriting and risk profiling
  • Claims management
  • Customer service
  • Companies section
  • Public companies
  • Private companies
  • Glossary
  • Further reading
  • Appendix: Our thematic research methodology