Ⅰ 求助一篇关于保险的英文文献，谢谢
If you'd like to get quick auto insurance quotes, or find a local car insurance agent, you're in the right place. But we offer much more than car insurance. Thousands of satisfied customers depend on us for insurance on their homes. Plus we are America's #1 RV insurance specialist.
Ⅱ 急求关于网络保险的英文文献！！！
http://en.wikipedia.org/wiki/Insurance
http://zh.wikipedia.org/wiki/%E4%BF%9D%E9%9A%AA
网络保险
Internet Insurance
Network insurance
Net Insurance
保险学 Insurance
http://books.google.com.sg/books?id=uO8F501cxuoC&pg=PA350&lpg=PA350&dq=Net+Insurance&source=web&ots=2KPcc5u3X0&sig=bRLwUXiMe3TPmu-8v1DrVW5G9vg&hl=en
http://books.google.com.sg/books?id=LsbY6WPo41oC&pg=PT323&lpg=PT323&dq=Net+Insurance&source=web&ots=gVkdB3wlNS&sig=pQXWstUk4boO4TcpHZOh4bKJyzY&hl=en
http://books.google.com.sg/books?id=xP5d0OcQDScC&pg=PA189&lpg=PA189&dq=Net+Insurance&source=web&ots=dFsvdx1W4f&sig=6tPP8qP_A04ViEF7nN2fP7jtc04&hl=en
Insurance, in law and economics, is a form of risk management primarily used to hedge against the risk of a contingent loss. Insurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for a premium. An insurer is a company selling the insurance. The insurance rate is a factor used to determine the amount, called the premium, to be charged for a certain amount of insurance coverage. Risk management, the practice of appraising and controlling risk, has evolved as a discrete field of study and practice.
Principles of insurance
A large number of homogeneous exposure units. The vast majority of insurance policies are provided for indivial members of very large classes. Automobile insurance, for example, covered about 175 million automobiles in the United States in 2004.[2] The existence of a large number of homogeneous exposure units allows insurers to benefit from the so-called “law of large numbers,” which in effect states that as the number of exposure units increases, the actual results are increasingly likely to become close to expected results. There are exceptions to this criterion. Lloyd's of London is famous for insuring the life or health of actors, actresses and sports figures. Satellite Launch insurance covers events that are infrequent. Large commercial property policies may insure exceptional properties for which there are no ‘homogeneous’ exposure units. Despite failing on this criterion, many exposures like these are generally considered to be insurable.
Definite Loss. The event that gives rise to the loss that is subject to insurance should, at least in principle, take place at a known time, in a known place, and from a known cause. The classic example is death of an insured on a life insurance policy. Fire, automobile accidents, and worker injuries may all easily meet this criterion. Other types of losses may only be definite in theory. Occupational disease, for instance, may involve prolonged exposure to injurious conditions where no specific time, place or cause is identifiable. Ideally, the time, place and cause of a loss should be clear enough that a reasonable person, with sufficient information, could objectively verify all three elements.
Accidental Loss. The event that constitutes the trigger of a claim should be fortuitous, or at least outside the control of the beneficiary of the insurance. The loss should be ‘pure,’ in the sense that it results from an event for which there is only the opportunity for cost. Events that contain speculative elements, such as ordinary business risks, are generally not considered insurable.
Large Loss. The size of the loss must be meaningful from the perspective of the insured. Insurance premiums need to cover both the expected cost of losses, plus the cost of issuing and administering the policy, adjusting losses, and supplying the capital needed to reasonably assure that the insurer will be able to pay claims. For small losses these latter costs may be several times the size of the expected cost of losses. There is little point in paying such costs unless the protection offered has real value to a buyer.
Affordable Premium. If the likelihood of an insured event is so high, or the cost of the event so large, that the resulting premium is large relative to the amount of protection offered, it is not likely that anyone will buy insurance, even if on offer. Further, as the accounting profession formally recognizes in financial accounting standards, the premium cannot be so large that there is not a reasonable chance of a significant loss to the insurer. If there is no such chance of loss, the transaction may have the form of insurance, but not the substance. (See the U.S. Financial Accounting Standards Board standard number 113)
Calculable Loss. There are two elements that must be at least estimable, if not formally calculable: the probability of loss, and the attendant cost. Probability of loss is generally an empirical exercise, while cost has more to do with the ability of a reasonable person in possession of a of the insurance policy and a proof of loss associated with a claim presented under that policy to make a reasonably definite and objective evaluation of the amount of the loss recoverable as a result of the claim.
Limited risk of catastrophically large losses. The essential risk is often aggregation. If the same event can cause losses to numerous policyholders of the same insurer, the ability of that insurer to issue policies becomes constrained, not by factors surrounding the indivial characteristics of a given policyholder, but by the factors surrounding the sum of all policyholders so exposed. Typically, insurers prefer to limit their exposure to a loss from a single event to some small portion of their capital base, on the order of 5 percent. Where the loss can be aggregated, or an indivial policy could proce exceptionally large claims, the capital constraint will restrict an insurers appetite for additional policyholders. The classic example is earthquake insurance, where the ability of an underwriter to issue a new policy depends on the number and size of the policies that it has already underwritten. Wind insurance in hurricane zones, particularly along coast lines, is another example of this phenomenon. In extreme cases, the aggregation can affect the entire instry, since the combined capital of insurers and reinsurers can be small compared to the needs of potential policyholders in areas exposed to aggregation risk. In commercial fire insurance it is possible to find single properties whose total exposed value is well in excess of any indivial insurer’s capital constraint. Such properties are generally shared among several insurers, or are insured by a single insurer who syndicates the risk into the reinsurance market.
[edit] Indemnification
Main article: Indemnity
The technical definition of "indemnity" means to make whole again. There are two types of insurance contracts; 1) an "indemnity" policy and 2) a "pay on behalf" or "on behalf of"[3] policy. The difference is significant on paper, but rarely material in practice.
An "indemnity" policy will never pay claims until the insured has paid out of pocket to some third party; i.e. a visitor to your home slips on a floor that you left wet and sues you for $10,000 and wins. Under an "indemnity" policy the homeowner would have to come up with the $10,000 to pay for the visitors fall and then would be "indemnified" by the insurance carrier for the out of pocket costs (the $10,000)[4].
Under the same situation, a "pay on behalf" policy, the insurance carrier would pay the claim and the insured (the homeowner) would not be out of pocket for anything. Most modern liability insurance is written on the basis of "pay on behalf" language[5].
An entity seeking to transfer risk (an indivial, corporation, or association of any type, etc.) becomes the 'insured' party once risk is assumed by an 'insurer', the insuring party, by means of a contract, called an insurance 'policy'. Generally, an insurance contract includes, at a minimum, the following elements: the parties (the insurer, the insured, the beneficiaries), the premium, the period of coverage, the particular loss event covered, the amount of coverage (i.e., the amount to be paid to the insured or beneficiary in the event of a loss), and exclusions (events not covered). An insured is thus said to be "indemnified" against the loss events covered in the policy.
When insured parties experience a loss for a specified peril, the coverage entitles the policyholder to make a 'claim' against the insurer for the covered amount of loss as specified by the policy. The fee paid by the insured to the insurer for assuming the risk is called the 'premium'. Insurance premiums from many insureds are used to fund accounts reserved for later payment of claims—in theory for a relatively few claimants—and for overhead costs. So long as an insurer maintains adequate funds set aside for anticipated losses (i.e., reserves), the remaining margin is an insurer's profit.
[edit] Insurer’s business model
Profit = earned premium + investment income - incurred loss - underwriting expenses.
Insurers make money in two ways: (1) through underwriting, the process by which insurers select the risks to insure and decide how much in premiums to charge for accepting those risks and (2) by investing the premiums they collect from insureds.
The most difficult aspect of the insurance business is the underwriting of policies. Using a wide assortment of data, insurers predict the likelihood that a claim will be made against their policies and price procts accordingly. To this end, insurers use actuarial science to quantify the risks they are willing to assume and the premium they will charge to assume them. Data is analyzed to fairly accurately project the rate of future claims based on a given risk. Actuarial science uses statistics and probability to analyze the risks associated with the range of perils covered, and these scientific principles are used to determine an insurer's overall exposure. Upon termination of a given policy, the amount of premium collected and the investment gains thereon minus the amount paid out in claims is the insurer's underwriting profit on that policy. Of course, from the insurer's perspective, some policies are winners (i.e., the insurer pays out less in claims and expenses than it receives in premiums and investment income) and some are losers (i.e., the insurer pays out more in claims and expenses than it receives in premiums and investment income).
An insurer's underwriting performance is measured in its combined ratio. The loss ratio (incurred losses and loss-adjustment expenses divided by net earned premium) is added to the expense ratio (underwriting expenses divided by net premium written) to determine the company's combined ratio. The combined ratio is a reflection of the company's overall underwriting profitability. A combined ratio of less than 100 percent indicates underwriting profitability, while anything over 100 indicates an underwriting loss.
Insurance companies also earn investment profits on “float”. “Float” or available reserve is the amount of money, at hand at any given moment, that an insurer has collected in insurance premiums but has not been paid out in claims. Insurers start investing insurance premiums as soon as they are collected and continue to earn interest on them until claims are paid out.
In the United States, the underwriting loss of property and casualty insurance companies was $142.3 billion in the five years ending 2003. But overall profit for the same period was $68.4 billion, as the result of float. Some insurance instry insiders, most notably Hank Greenberg, do not believe that it is forever possible to sustain a profit from float without an underwriting profit as well, but this opinion is not universally held. Naturally, the “float” method is difficult to carry out in an economically depressed period. Bear markets do cause insurers to shift away from investments and to toughen up their underwriting standards. So a poor economy generally means high insurance premiums. This tendency to swing between profitable and unprofitable periods over time is commonly known as the "underwriting" or insurance cycle. [6]
Property and casualty insurers currently make the most money from their auto insurance line of business. Generally better statistics are available on auto losses and underwriting on this line of business has benefited greatly from advances in computing. Additionally, property losses in the US, e to natural catastrophes, have exacerbated this trend.
Finally, claims and loss handling is the materialized utility of insurance. In managing the claims-handling function, insurers seek to balance the elements of customer satisfaction, administrative handling expenses, and claims overpayment leakages. As part of this balancing act, fraulent insurance practices are a major business risk that must be managed and overcome.
Types of insurance
Any risk that can be quantified can potentially be insured. Specific kinds of risk that may give rise to claims are known as "perils". An insurance policy will set out in detail which perils are covered by the policy and which are not. Below are (non-exhaustive) lists of the many different types of insurance that exist. A single policy may cover risks in one or more of the categories set forth below. For example, auto insurance would typically cover both property risk (covering the risk of theft or damage to the car) and liability risk (covering legal claims from causing an accident). A homeowner's insurance policy in the U.S. typically includes property insurance covering damage to the home and the owner's belongings, liability insurance covering certain legal claims against the owner, and even a small amount of health insurance for medical expenses of guests who are injured on the owner's property.
Business insurance can be any kind of insurance that protects businesses against risks. Some principal subtypes of business insurance are (a) the various kinds of professional liability insurance, also called professional indemnity insurance, which are discussed below under that name; and (b) the business owners policy (BOP), which bundles into one policy many of the kinds of coverage that a business owner needs, in a way analogous to how homeowners insurance bundles the coverages that a homeowner needs.[7]
Health
Health insurance policies will often cover the cost of private medical treatments if the National Health Service in the United Kingdom (NHS) or other publicly-funded health programs do not pay for them. It will often result in quicker health care where better facilities are available. Dental insurance, like medical insurance, is coverage for indivials to protect them against dental costs. In the U.S., dental insurance is often part of an employer's benefits package, along with health insurance. Most countries rely on public funding to ensure that all citizens have universal access to health care.
[edit] Disability
Disability insurance policies provide financial support in the event the policyholder is unable to work because of disabling illness or injury. It provides monthly support to help pay such obligations as mortgages and credit cards.
Total permanent disability insurance insurance provides benefits when a person is permanently disabled and can no longer work in their profession, often taken as an adjunct to life insurance.
Disability overhead insurance allows business owners to cover the overhead expenses of their business while they are unable to work.
Workers' compensation insurance replaces all or part of a worker's wages lost and accompanying medical expense incurred because of a job-related injury.
Casualty
Casualty insurance insures against accidents, not necessarily tied to any specific property.
Crime insurance is a form of casualty insurance that covers the policyholder against losses arising from the criminal acts of third parties. For example, a company can obtain crime insurance to cover losses arising from theft or embezzlement.
Political risk insurance is a form of casualty insurance that can be taken out by businesses with operations in countries in which there is a risk that revolution or other political conditions will result in a loss.
[edit] Life insurance
Main article: Life insurance
Life insurance provides a monetary benefit to a decedent's family or other designated beneficiary, and may specifically provide for income to an insured person's family, burial, funeral and other final expenses. Life insurance policies often allow the option of having the proceeds paid to the beneficiary either in a lump sum cash payment or an annuity.
Annuities provide a stream of payments and are generally classified as insurance because they are issued by insurance companies and regulated as insurance and require the same kinds of actuarial and investment management expertise that life insurance requires. Annuities and pensions that pay a benefit for life are sometimes regarded as insurance against the possibility that a retiree will outlive his or her financial resources. In that sense, they are the complement of life insurance and, from an underwriting perspective, are the mirror image of life insurance.
Certain life insurance contracts accumulate cash values, which may be taken by the insured if the policy is surrendered or which may be borrowed against. Some policies, such as annuities and endowment policies, are financial instruments to accumulate or liquidate wealth when it is needed.
In many countries, such as the U.S. and the UK, the tax law provides that the interest on this cash value is not taxable under certain circumstances. This leads to widespread use of life insurance as a tax-efficient method of saving as well as protection in the event of early death.
In U.S., the tax on interest income on life insurance policies and annuities is generally deferred. However, in some cases the benefit derived from tax deferral may be offset by a low return. This depends upon the insuring company, the type of policy and other variables (mortality, market return, etc.). Moreover, other income tax saving vehicles (e.g., IRAs, 401(k) plans, Roth IRAs) may be better alternatives for value accumulation. A combination of low-cost term life insurance and a higher-return tax-efficient retirement account may achieve better investment return.
Property
Property insurance provides protection against risks to property, such as fire, theft or weather damage. This includes specialized forms of insurance such as fire insurance, flood insurance, earthquake insurance, home insurance, inland marine insurance or boiler insurance.
字数超限了。。。
Ⅲ 怎样写电子商务保险论文范文，电子商务保险论文范文
范文是传不了的，
提纲应该写了吧
Ⅳ 求关于保险营销的参考文献，共20篇，其中两篇外文的
推荐到OA图书馆查询，可免费下载。
查中文输入中文关键词，查英文文献输入英文关键词。
Ⅳ 关于保险业网络营销与传统营销整合的外文文献
是用英文写作？
Ⅵ 谁能告诉我几个关于保险学著作的名称，或者期刊论文，“要国外的”，特别注意一定要国外的，类似参考文献
(美)康斯坦斯·M.卢瑟亚特(ConstanceM.Luthardt)等著,英勇,于小东总译校.财产与责任保险原理[M]. 北京大学出版社, 2003
(美)小哈罗德·斯凯博(HaroldD.Skipper,Jr)等编著,荆涛等译.国际风险与保险[M]. 机械工业出版社, 1999
(美)所罗门·许布纳(S.S.Huebner)等著,陈欣等译.财产和责任保险[M]. 中国人民大学出版社, 2002
【英】Malcolm A. Clarke 著、 何美欢、吴志攀等译：《保险合同法》，北京大学出版社 2002 年版。
43.Ewan Mckendrick :“Contract Law”（影印本）,法律出版社 2003 年
版。
44.Michael H. Whincup：“Contract Law and Practice—the English
System and Continental Comparisons” 中信出版社,2003 年版。
45.John F. Dobbyn : “Insurance Law”（影印本）,法律出版社 2001
年版。
46.John Lowry , Philip Rawlings : “Insurance Law :Doctrines and
Principles” , Hart Publishing Ltd. (1999).
47.Ray Hodgin :“Insurance Law :Text and Materials” (Second
Edition) Cavendish Publishing Limited (2002) .
48.Steven L. Emanuel：“Contracts”，中信出版社 2003 年版。
49.Melvin A. Eisenberg:“Disclosure in Contract Law”，91 California
Law Review （2003）.
50.Anthony T. Kronman :“Mistake, Disclosure, Information, and the
Law of Contracts”,7(1) Journal of Legal Studies (1978).
51.Fleming J :“Insurer’s breach of good faith——a new
tort?”,(1992) 108 LQR 35.
这些都是比较好的
Ⅶ 求一篇关于保险（Insurance）的英语文章
这是江南冬天特有的地方小吃。
小的时候，一放学就往街上跑，当然，这是在口袋里有几个钱的时候。穿过小巷，翻过小桥，就可闻到油炸臭豆腐的香味。经营油炸臭豆腐的是个瘦瘦的老人，眉毛胡子全白了，他总是挑一副担子，担子其实是木头做的箱子，前面一个箱子放着臭豆腐、酱油、辣椒酱和一叠小盘子，还有一个罐头瓶，里面插着几双筷子。后面一个箱子安放着一只小煤炉和一口锅。
老人总是站在街的拐角，专心致致地油炸臭豆腐。从没有听过他的吆喝声，但总有许多食客寻着香味而来，在他的小担子前站成一圈。他的臭豆腐很有特色，乍看上去黑不溜湫，和别的臭豆腐没有什么两样，但一入锅再一出锅，就变得金灿灿、香喷喷，涂上一层酱油或辣椒酱(他的辣椒酱是自制的，红艳艳的，辣得香，辣得舒服)，黄黄红红，煞是好看。小心翼翼咬上一口(因为非常烫)，外黄内白，外酥内嫩，香辣刺激，此时已不是在吃而是舌头打着卷往下吞。
老人一次总是只炸几块，炸好几块卖几块，所以等的人都是一个吃，其他的人共同行注目礼。吃油炸臭豆腐的人大多是女人和孩子，真的很奇怪，江南女子都是不吃辣的，但一到这担子前就都变成“辣妹子”了，辣椒酱涂了厚厚的一层还要涂，女人此时也不管斯文了，直吃得嘴唇通红，涕泪交加，热汗直冒。老人只是不住地说：辣得结棍，勿要吃得格许多。说归说，他也不去阻挡。所以，老人的辣椒酱每天都要消耗一瓶。
那时，我父亲每月给我五毛钱，至少有一半的钱是贡献给臭豆腐了。一块臭豆腐一分钱，吃完一块，这一天才能安静下来。有时候没有计划好超支了，那么，我就克制住自己不往那里跑，怕自己的眼睛里会长出钩子来。不过，那样的时候，只要我不小心溜到老人的担子前，老人总会洞察一切，好象发现了我的口袋里没有半分钱，就会笑眯眯地炸一块最脆最嫩的送给我吃。不好意思白吃，等下个月父亲寄钱来的时候，我马上就去还给他，老人也收下，但必定多炸一块臭豆腐给我。
离开那个江南小城二十多年了，我再也没有吃过那样美味的油炸臭豆腐(虽然我在其他江南城市也吃过油炸臭豆腐，但是味道好象总是差了一点)。它总是出现在我的梦里，和它一起出现的还有那个连名字都不知道的白胡子白眉毛的瘦老人。
Ⅷ 跪求一篇4000字左右的外文文献，关于银行保险的
2.Incentive contracts in the Chinese banking instry
To comprehend the impact of incentive contracts it is important to be familiar with the institutional background of China’s banking instry, the place in which the incentive contracts that we are studying were designed and executed. To this end we begin by focusing on two financial institutions in rural China, the Agricultural Bank of China(ABC)and the Rural Credit Cooperatives(RCC),covered by the survey data.
The ABC is one of the four specialized state-owned banks in China.5 It serves the financial needs of both urban and rural areas. In contrast, RCCs exclusively target rural clients. The main difference between the ABC and RCCs lies in the nature of ownership: the RCCs have a collective ownership status allowing them more flexibility in complying with central financial policies. The RCCs were formerly under the supervision of the ABC, but attained the status of an independent financial institution in 1994.These two financial institutions currently dominate the formal financial system in rural China.As of the late 1990s,they accounted for nearly 80 percent of total rural deposits and loans(Brandt and Li,2003;Brandt et al.,2005).
The ABC has its headquarters in Beijing and has branch offices at locations corresponding to every administrative level.6 In contrast, RCCs are local financial institutions with their headquarters–called the Federation of RCCs (xin yong lian she) –at the county level. In general, both the ABC and RCCs have established branches(henceforth referred to as bank branches)in each township. The locations of bank branches reflect the territorial structure of the governmental system, and the scope of business is designed to minimize overlapping and competition within the same institution.
Before the economic reforms started, China’s state-owned banks, just like other SOEs, were primarily subject to centralized management and economic planning. The government provided no incentives to motivate bank managers or workers to exert effort; their pay was predetermined and thus independent of performance. Since the early 1980s, however, China has sought to reform its banking sector. So far, the government’s major reform involves the introction of performance-based incentives for bank managers and workers; the managers are provided incentives, but the state has not relinquished ownership of the banks(Groves et al.,1994).As a major reform initiative to improve the performance of state-owned banks, especially targeted at increasing deposits and recing non-performing loans, the government initiated a bonus system for state-owned banks in the mid-1980s. Usually, the higher-level bank, a county bank in our case, signs a so-called responsibility contract indivially with each township branch manager. The contracts, normally signed on an annual basis, specify a formula tying the bank manager’s monetary rewards to performance.
2.奖励的合同，在中国银行界
理解的影响，激励合同，这是重要的是要熟悉的体制背景下中国的银行界，发生在其中的激励合同，我们正在研究，设计并执行枪决。为此，我们首先着眼于两个金融机构在中国农村，中国农业银行（ ABC法）和农村信用社（碾压混凝土） ，统计调查所涵盖的数据。
美国广播公司就是其中的四个专门国有独资商业银行在中国.5它的经济需要，城市和农村地区。在此相反，农村信用社专门的目标，农村的客户。之间的主要差别ABC和农村信用社，关键在性质所有权：农村信用社有一个集体所有权的地位，让他们更灵活地遵守中央的金融政策。该以前农村信用社的监督下的ABC ，但达到的地位，一个独立的金融机构在1994.these两个金融机构目前主宰正规金融体系在中国农村.例如20世纪90年代末，他们占近80 ％的占农村总存款及贷款（勃兰特和李， 2003年;勃兰特等人， 2005年） 。
美国广播公司其总部设在北京，并已分支办事处的地点，相应的每个行政级别.6此相反，农村信用社是地方金融机构与他们的总部所谓的联邦农村信用社（辛勇佘廉）在县一级。在一般，无论是ABC和农村信用社建立了党支部（此后被称为银行分行）在每一个乡镇。地点银行分行反映领土结构的政府系统，以及业务范围是设计，以尽量减少重叠和竞争，在同一机构。
前经济改革开始，中国的国有独资商业银行，就像其他国有企业，主要是受到集中管理和经济规划。政府没有提供诱因，激励银行经理或工人着力;他们的薪酬是既定的，因此独立的表现。自八十年代初期，但是，中国已要求改革其银行界。直至目前为止，政府的重大改革，涉及引入基于业绩的奖励措施，为银行管理人员和工人;基金经理所提供的诱因，但国家并没有放弃所有权的银行（林等人， 1994年） 。作为一个重大改革，主动改善的表现，国有独资商业银行，特别是有针对性的增加存款，减少不履约贷款，政府发起了花红制度，为国有独资商业银行在八十年代中期。通常情况下，更高水平的银行，一个县的银行在我们的情况下，标志一个所谓的责任，合同单独与每个乡镇分行经理。合同，通常签署了关于一年度的基础上，指定一个公式绑银行经理的货币奖励表现。
Ⅸ 保险销售创新的文章
保险公司服务创新是多方位、多层次的。它不仅包括服务理念的创新，服务手段的创新，还包括制度的创新。
（一）保险服务理念的创新
服务理念的核心在于保险公司的发展战略应该从以业务为中心转向以客户为中心。公司的一切活动包括保险产品的设计、保险营销、保险理赔等皆以客户至上为原则。
注重服务理念的保险产品设计要反映客户的需求与偏好，应时而变。消费者的需要产生于消费者的主观偏好与所处环境的客观状态两个方面。不同的消费者由于年龄、性别、民族、文化水平、成长历程，以及所处的人文环境等多重变量导致了作为独立个体的消费者的偏好差异很大。随着经济状况和社会文化的改变，消费者的需求也会发生变化。例如，随着我国市场经济的深化，社会保障体制的改革，家庭结构的改变，人口老龄化现象的出现，新的风险与新的保险需求将不断涌现。在现阶段，人们急需的保险品种包括老人护理保险、医疗意外事故保险、特殊疾病保险、贷款人信用保险、人体器官特殊功能保险等。这些险种，在目前我国保险业的经营中几乎还是一片空白，虽然个别险种已在一些保险公司中试办，但离市场要求还相差甚远。
注重服务理念的保险营销应从传统的交易性推销转变为关系营销。交易性推销强调获得销售定单，忽视销售以后的时期。关系营销强调产品或劳务的整个生命周期，买卖双方是伙伴关系。关系营销是买卖双方为减少冲突、促进双方利益关系的长期协议。通过伙伴关系，买主应该得到有质量保证的产品和劳务，供应商负责确保买主的订单。这种伙伴关系能确保买卖双方在彼此都满意的价格下长期获益。应用关系营销的营销哲学在于提高客户的忠诚度。拥有忠诚的消费者是企业保持长期成功的关键。在高度竞争的环境中，保持现有客户比开发新客户带来的效益更加显著。贝恩顾问公司调查了很多行业后发现，若维护忠诚消费者的努力增加5％，企业收入可增长25％-100％。这种情况在提供复杂产品或服务的企业表现得尤为明显。努力维护忠诚客户所创造的经济价值主要体现在以下几个方面：企业维护忠诚客户取得的成效直接影响对新客源的开发；随着时间的推移，忠诚的客户会逐步增加其消费的规模与数量，例如，某人买了一家保险公司的汽车保险后，可能会到该公司购买家庭财产保险或其他险种；为长期客户提供服务的成本比较低廉，这些消费者对公司的做法和规章制度都很熟悉，耗用的资源因而会相应减少。忠诚的消费者是最好的“口头宣传队”。据西方企业界调查，客户从某一个企业转向另一个企业的原因，70％是服务质量问题，业务人员怠慢一位顾客，会影响40位潜在客户，而一个满意客户会带来8笔潜在生意，其中，至少会有1笔成交。在竞争激烈的保险市场，用服务来留住老客户、吸引新客户才是上策。
注重服务理念的理赔要求快速、准确、及时、周到，不惜赔、不滥赔。保险的基本职能是经济补偿，补偿的表现形式就是理赔。理赔服务使遭受损失的企业绝处逢生，使惨遭不幸的家庭重建幸福。对于保户来说，他们购买保险最关心的莫过于出了事故能否得到赔付，赔付是否及时准确。国内保险市场普遍存在“投保和理赔两张脸”的现象，这也是保户对保险业不满的主要原因。据保险公司工作人员称，理赔程序包括报案、登记、调查取证、提供要件、做卷、复核、审批等。其中只有2—3项需要保户直接参与。但从报案登记开始，保险公司的人不一定马上就进入调查取证的阶段，需要集中安排时间才能进行，这就无形中延误了理赔的进程。调查取证回来，是否马上做卷，做卷之后是否随即复核，复核完是否立即审批，期间都可能发生拖延的现象，日积月累，便形成了社会反映比较集中的保险理赔缓慢而且麻烦的抱怨。如果保险公司真正树立了以客户为中心的服务理念，这些现象都应该逐渐根除。
除此以外，对服务理念的贯彻还体现在保险的延伸服务领域。保险延伸服务就是普通保险服务的一种延伸，是保险公司利用自己的资源优势，扩大为客户提供保险责任以外的附加服务，如风险咨询、风险管理、防灾防损等。如与信贷消费有关的保险服务，保险公司可以利用自身的专业和人才优势，为客户提供一些有关投资咨询、理财顾问、信息交流等方面延伸服务。与养老、医疗保险相关的保险延伸服务包括定期免费体检、健康咨询、附加康复护理等。欧美一些大型保险公司甚至有自己的急救医院、康复中心，客户可以在那里享受优惠的服务，投保数额大的客户还可享受免费疗养。保险延伸服务已成为国外各保险公司竞争的主要手段。
（二）保险服务手段的创新
由于我国保险事业才刚刚起步，与国外保险业的百年历史相比，我们的差距还很大。这就要求我们一方面要发挥后发优势，学习外国保险公司的先进经验；另一方面要结合具体的发展阶段与社会文化环境，创造属于自己的服务特色。
通过引进学习国外保险公司的先进服务手段，巧借他山之石，国内的保险服务取得了长足的发展。1992年友邦保险进入中国保险市场，率先引入个人营销员制度，国内保险公司纷纷效仿，开拓了寿险业的蓬勃发展势头。在友邦保险公司陆续推出海外交费、海外理赔、美国国际支援服务、电脑度身定做保单服务、全国范围全年24小时免费查询电话、网上服务、电话自动应答查询服务、一站式服务后不久，其他国内的保险公司也迅速跟上。
当然，外资保险公司自身也在不断的创新之中，新的服务技术层出不穷。比如国外的一份寿险保单是一张IC卡大小的刷卡，小卡内存了该保单的全部保险条款、交费情况、现金价值等，可用于理赔、兑付、借款，甚至信用担保、请求紧急援助等，在互联网的任何一个国家和地区通用。而我们的保单还在采用单证形式，给保户的携带、收存带来很多不便。而无纸化是未来的必然趋势。另外，国内大部分保险公司也建立了自己的网站，力图让客户可以通过网络直接投保、咨询。但与国外成熟的电子商务相比，我们还停留在初级阶段。例如：美国全国保险公司为了增强自己的竞争力，决定将互联网与公司同客户交流的其他渠道进行整合，如电话服务中心以及独家代理等。由于客户信息资料的集中，使得销售代理可将更多的精力放在客户的个人化要求上；同时，客户具备了借助网络快速获得报价、要求服务、申请理赔和直接投保等自我服务的能力。除此以外，无论是网页上提供的报价和保险信息，还是其他任何渠道获得的咨询都完全一致，客户获得了完美、统一而协调的服务。公司对客户的了解更加完全，通过分析客户的资料、购买历史和更新习惯等，公司可以设计出更加有针对性或更具个性的促销活动。保险销售人员不再是“跑腿先生”，而成为专业的理财顾问。
针对中国特殊的社会人文环境，国内保险公司也纷纷推出自己的特色服务。比如国内多家保险公司都已开通了以“955”开头的全国性服务专线电话，实现24小时为客户提供咨询申诉和回访服务，以树立自身专业服务的品牌和形象。2002韩日世界杯足球赛，国内保险公司与韩国同行合作，为赴韩的球迷提供异地出险查勘、理赔服务、国外紧急救援等服务项目。有的保险公司在高考考场外设置绿荫凉棚，为考生家长提供饮水及休息场所，并主动协助当地教育部门维持考场外秩序。近几年，一些知识层次较高、经验丰富的代理人开始根据客户的不同情况和需求，将公司的各类产品有机组合，为客户设计科学合理的保障计划。一些代理人自学中医等知识，或通过举办客户沙龙，为来自各个行业的客户提供交流信息的机会。
（三）保险服务制度的创新服务不仅是为客户提供服务，同时也包括对公司内部员工的管理。公司的发展有赖于忠诚客户的扩大，而忠诚客户的扩大有赖于忠诚的员工。那么，对于公司员工而言，服务创新主要体现在激励机制与约束机制的改变。无论对于内勤人员还是外勤人员，无论对于管理经营层还是普通员工，激励机制的设计都应当体现以客户为中心的理念。例如现阶段，保险代理人的佣金主要来源于直接佣金。而首期佣金在佣金总额和首期保费中占有很高的比重。首期佣金占每笔保险业务全部佣金的80％以上，占首期保费的30％-40％。这样一种佣金体制无疑使代理人在保险推销过程中重数量而轻质量，不利于与客户保持长久的关系，更有甚者会发生欺诈客户的行为。
扩展阅读：【保险】怎么买，哪个好，手把手教你避开保险的这些"坑"