Orphan insurance policy distribution method

Abstract

The invention discloses an orphan insurance policy distribution method, which comprises the following steps of: 1, firstly, determining an orphan insurance policy; 2, establishing an insurance officer information database; 3, establishing a customer information database; 4, formulating a distribution standard, looking up an insurance officer information database and a customer information database, automatically matching by using data mining and a machine learning algorithm, and providing insurance officer recommendation; 5, matching application and approval processes; and step 6, performing feedback optimization. According to the orphan insurance policy distribution method, the insurance officer information and the customer information are combined, and the distribution method is used for improving the orphan insurance policy distribution efficiency through a data-driven decision-making mechanism, so that the insurance officer can be helped to expand the business, improve the performance and continuously optimize the algorithm on the premise of ensuring that the customer can obtain professional service, and the service quality of the insurance officer is improved. Therefore, the insurance policy is ensured to be accurately and efficiently processed, and the matching accuracy and customer satisfaction are improved.

Description

Technical Field

[0001] The present invention relates to the technical field of insurance policy distribution, and in particular to a method for distributing orphan insurance policies. Background Art

[0002] Orphan policies usually refer to certain policies in the insurance industry that are not inherited or managed due to the death, disappearance or other reasons of the insured. The characteristics of such policies are that there is no clear beneficiary or the beneficiary cannot be contacted, resulting in these policies being in an "orphan" state. In order to ensure the normal operation of the policies, insurance companies need to allocate and process orphan policies.

[0003] The existing method for distributing orphan policies is to first count the policies, and then distribute the counted policies to the insurance agents, who collect the corresponding policies based on their own work experience. This distribution service makes it impossible for some policies to be distributed to insurance agents with relevant professional knowledge. If the insurance agents are not proficient in the business when connecting with customers, improper insurance handling may occur. This not only affects the normal enjoyment of insurance rights by customers, but also causes difficulties for insurance agents in their work. Therefore, this plan proposes a method for distributing orphan policies to solve the above problems. Summary of the invention

[0004] The object of the present invention is to provide a method for allocating orphan insurance policies to solve the problems raised in the above background technology.

[0005] To achieve the above object, the present invention provides the following technical solution: a method for allocating orphan insurance policies, the method comprising the following steps:

[0006] The first step is to identify orphan policies. The insurance company reviews all policies and identifies those that are not managed by effective agents.

[0007] The second step is to establish an insurance agent information database, wherein the information stored in the insurance agent information database includes the insurance agent's professional field, performance record, customer satisfaction, geographic location, and historical sales policy type;

[0008] The third step is to establish a customer information database, wherein the information stored in the customer information database includes customer demand information, location information, historical claims information, historical policy information and feedback;

[0009] The fourth step is to formulate allocation criteria, consult the insurance agent information database and customer information database, use data mining and machine learning algorithms to automatically match, and provide insurance agent recommendations;

[0010] The fifth step is to match the application and approval process. First, the insurance agent is notified to take over the orphan insurance policy through meetings and emails. After that, the insurance agent confirms the order, and finally the insurance company checks and approves it.

[0011] The sixth step is to conduct feedback optimization. The insurance agent provides feedback after taking over the policy, and the matching algorithm is adjusted based on the feedback information.

[0012] Preferably, the determination of the orphan policies first requires collecting relevant data of all existing policies, confirming the latest agent information, and then deduplicating and standardizing the policy and agent data, eliminating invalid, expired and duplicate policy records, as well as agent records that are no longer valid, and finally filtering out policies that are not managed by effective agents through data query.

[0013] Preferably, the relevant data content of the existing insurance policy includes the insurance policy number, the insured person information, the insurance policy status and the agent information;

[0014] The agent information includes the agent's employment status, contact information, and whether the agent is active.

[0015] Preferably, the professional field of the insurance agent in the insurance agent information database is the insurance agent's expertise and the type of insurance products he is good at, the performance record is the insurance agent's historical sales performance and success cases, the customer satisfaction is the customer's evaluation and feedback on the insurance agent's services, the geographical location is the insurance agent's workplace, and the historical sales policy types are the types of policies that the insurance agent has sold.

[0016] Preferably, the customer demand information in the customer information database is the customer's demand and expectation for insurance products, the location information is the customer's residential location, the historical claims information is the customer's historical claims record, the historical policy information is the type of policy the customer has purchased and the service experience, and the feedback is the customer's historical service feedback.

[0017] Preferably, the matching of the allocation criteria is to extract features from the insurance agent information database and the customer information database, and then formulate matching criteria according to business needs, and then formulate a scoring mechanism for each matching criterion, and use a weighted average method to calculate the final matching score.

[0018] Preferably, the matching criteria for the business needs include the matching degree between the insurance agent's professional skills and customer needs, the insurance agent's geographical location and the customer's place of residence, the insurance agent's performance record, and the customer's preferences and the insurance agent's service style, and are respectively recorded as professional skill matching degree S1, geographical location matching degree S2, insurance agent's past performance S3 and service style matching degree S4. The final matching score is calculated using weighted average based on the weight assigned to each feature.

[0019] Preferably, the final matching score calculation is expressed as:

[0020] Score=ω1·S1+ω2·S2+ω3·S3+ω4·S4 (1);

[0021]

[0022] ω1+ω2+ω3+ω4=1 (6);

[0023] Among them, ω1 represents the weight of professional skill matching, ω2 represents the weight of geographical location matching, ω3 represents the weight of the insurance agent’s past performance, and ω4 represents the weight of service style matching.

[0024] Preferably, the application and approval is firstly conducted by holding a meeting to introduce the takeover of the orphan insurance policy to relevant personnel, and after the meeting, an email is sent to all relevant personnel to reiterate the specific requirements and procedures for taking over the orphan insurance policy;

[0025] After receiving the notification, the insurance agent will confirm the order by replying by email and filling out the application form;

[0026] The insurance company verifies the insurance agent's order confirmation and makes the final approval decision after completing the verification.

[0027] Preferably, the matching algorithm is adjusted based on the feedback from the insurance agent after accepting the orphan insurance policy, so as to optimize the algorithm matching standard.

[0028] Technical effects and advantages of the present invention:

[0029] The orphan insurance policy allocation method of the present invention combines the insurance agent information and the customer information, and the allocation method is used to improve the allocation efficiency of orphan insurance policies through a data-driven decision-making mechanism. On the premise of ensuring that customers can obtain professional services, it can also help insurance agents expand their business and improve performance. By continuously optimizing the algorithm through the processing feedback of the insurance agents, the calculation accuracy of the allocation method can be further improved, thereby ensuring that the insurance policies are accurately and efficiently processed, and improving their matching accuracy and customer satisfaction. BRIEF DESCRIPTION OF THE DRAWINGS

[0030] Figure 1 It is a schematic diagram of the operation flow of the allocation method of the present invention. DETAILED DESCRIPTION

[0031] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0032] The present invention provides Figure 1 The distribution method of an orphan policy shown includes the following steps:

[0033] The first step is to identify orphan policies. The insurance company reviews all policies and identifies those that are not managed by effective agents.

[0034] Specifically, the identification of orphan policies first requires collecting relevant data of all existing policies, confirming the latest agent information, and then deduplicating and standardizing the policy and agent data, eliminating invalid, expired and duplicate policy records, as well as agent records that are no longer valid. Finally, data query is used to screen out policies that are not managed by effective agents.

[0035] It should be noted that orphan policies refer to the situation in the insurance industry where certain policies have no owner due to agent resignation, retirement or other reasons.

[0036] Furthermore, the relevant data content of the existing insurance policy includes the policy number, the insured person information, the policy status and the agent information, and the relevant content can be generated into a report;

[0037] It should be noted that after the orphan policy information is generated, the orphan policies are classified, their priorities are determined, and they are sorted according to the policy premium amount and customer complaint records so that important policies can be given priority in subsequent processing.

[0038] The agent information includes the agent's employment status, contact information, and whether the agent is active.

[0039] The second step is to establish an insurance agent information database, wherein the information stored in the insurance agent information database includes the insurance agent's professional field, performance record, customer satisfaction, geographic location, and historical sales policy type;

[0040] Specifically, the professional field of the insurance agent in the insurance agent information database is the insurance agent's expertise and the type of insurance products he is good at, the performance record is the insurance agent's historical sales performance and success cases, the customer satisfaction is the customer's evaluation and feedback on the insurance agent's services, the geographical location is the insurance agent's workplace, and the historical sales policy types are the types of policies that the insurance agent has sold.

[0041] It should be noted that the insurance agent's professional fields also include insurance types related to life insurance, health insurance and property insurance. Sales performance includes the number of new policies and renewal rates. Taking into account the insurance agent's historical performance and customer satisfaction, priority will be given to those insurance agents with outstanding performance and good customer feedback.

[0042] The third step is to establish a customer information database, wherein the information stored in the customer information database includes customer demand information, location information, historical claims information, historical policy information and feedback;

[0043] Specifically, the customer demand information in the customer information database is the customer's needs and expectations for insurance products. The location information is the customer's residential location, which is helpful for matching insurance agents. The historical claims information is the customer's historical claims record, which is used to understand the customer's claims habits and needs. The historical policy information is the type of policies the customer has purchased and the service experience. The feedback is the customer's historical service feedback, which provides a reference for improving services.

[0044] The fourth step is to formulate allocation criteria, consult the insurance agent information database and customer information database, use data mining and machine learning algorithms to automatically match, and provide insurance agent recommendations;

[0045] Specifically, the matching of the allocation criteria is to extract features from the insurance agent information database and the customer information database, and then formulate matching criteria according to business needs, and then formulate a scoring mechanism for each matching criterion, and use a weighted average method to calculate the final matching score.

[0046] Furthermore, the matching criteria for business needs include the matching degree between the insurance agent's professional skills and customer needs, the insurance agent's geographical location and the customer's place of residence, the insurance agent's performance record, and the customer's preference and the insurance agent's service style, which are respectively recorded as professional skill matching degree S1, geographical location matching degree S2, insurance agent's past performance degree S3 and service style matching degree S4. The final matching score is calculated using weighted average based on the weight assigned to each feature.

[0047] Furthermore, the final matching score calculation is expressed as:

[0048] Score=ω1·S1+ω2·S2+ω3·S3+ω4·S4 (1);

[0049]

[0050] ω1+ω2+ω3+ω4=1 (6);

[0051] Among them, ω1 represents the weight of professional skill matching, ω2 represents the weight of geographical location matching, ω3 represents the weight of the insurance agent’s past performance, and ω4 represents the weight of service style matching.

[0052] The fifth step is to match the application and approval process. First, the insurance agent is notified to take over the orphan insurance policy through meetings and emails. After that, the insurance agent confirms the order, and finally the insurance company checks and approves it.

[0053] Specifically, the application and approval process begins with a meeting to introduce the takeover of orphan policies to relevant personnel. After the meeting, an email is sent to all relevant personnel to reiterate the specific requirements and procedures for taking over orphan policies.

[0054] After receiving the notification, the insurance agent will confirm the order by replying by email and filling out the application form;

[0055] The insurance company verifies the insurance agent's order confirmation and makes the final approval decision after completing the verification.

[0056] The sixth step is to conduct feedback optimization. The insurance agent provides feedback after taking over the policy, and the matching algorithm is adjusted based on the feedback information.

[0057] Specifically, the matching algorithm is adjusted based on the feedback from the insurance officers after accepting the orphan policies, and the algorithm matching standards are optimized. After taking over the policies, the insurance officers regularly provide feedback, including customer feedback and problems encountered during the taking over process. According to the collected feedback information, the matching algorithm and allocation standards are adjusted to continuously optimize the allocation process of orphan policies, improve service quality and customer satisfaction, and evaluate the priority of orphan policies in terms of professional skill matching, geographical location matching, insurance officers' past performance and service style matching through the insurance officers' feedback. The weight ratio of the priority of professional skill matching, geographical location matching, insurance officers' past performance and service style matching is adjusted to improve the accuracy of the algorithm and thus ensure customer satisfaction.

[0058] Finally, it should be noted that the above is only a preferred embodiment of the present invention and is not intended to limit the present invention. Although the present invention has been described in detail with reference to the aforementioned embodiments, it is still possible for those skilled in the art to modify the technical solutions described in the aforementioned embodiments or to make equivalent substitutions for some of the technical features therein. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the present invention should be included in the protection scope of the present invention.

Claims

1. A method for allocating orphan insurance policies, characterized in that: The allocation method comprises the following steps: The first step is to identify orphan policies. The insurance company reviews all policies and identifies those that are not managed by effective agents. The second step is to establish an insurance agent information database, wherein the information stored in the insurance agent information database includes the insurance agent's professional field, performance record, customer satisfaction, geographic location, and historical sales policy type; The third step is to establish a customer information database, wherein the information stored in the customer information database includes customer demand information, location information, historical claims information, historical policy information and feedback; The fourth step is to formulate allocation criteria, consult the insurance agent information database and customer information database, use data mining and machine learning algorithms to automatically match, and provide insurance agent recommendations; The fifth step is to match the application and approval process. First, the insurance agent is notified to take over the orphan insurance policy through meetings and emails. After that, the insurance agent confirms the order, and finally the insurance company checks and approves it. The sixth step is to conduct feedback optimization. The insurance agent provides feedback after taking over the policy, and the matching algorithm is adjusted based on the feedback information.

2. A method for allocating orphan insurance policies according to claim 1, characterized in that: The determination of the orphan policies first requires collecting relevant data of all existing policies, confirming the latest agent information, and then deduplicating and standardizing the policy and agent data, eliminating invalid, expired and duplicate policy records, as well as agent records that are no longer valid. Finally, data queries are used to screen out policies that are not managed by effective agents.

3. A method for allocating orphan insurance policies according to claim 2, characterized in that: The relevant data content of the existing insurance policy includes the policy number, policyholder information, policy status and agent information; The agent information includes the agent's employment status, contact information, and whether the agent is active.

4. A method for allocating orphan insurance policies according to claim 1, characterized in that: The professional field of the insurance agent in the insurance agent information database is the insurance agent's expertise and the type of insurance products he is good at, the performance record is the insurance agent's historical sales performance and success cases, the customer satisfaction is the customer's evaluation and feedback on the insurance agent's services, the geographical location is the insurance agent's workplace, and the historical sales policy types are the types of policies that the insurance agent has sold.

5. A method for allocating orphan insurance policies according to claim 1, characterized in that: The customer's demand information in the customer information database is the customer's demand and expectation for insurance products, the location information is the customer's residential location, the historical claims information is the customer's historical claims record, the historical policy information is the type of policy the customer has purchased and the service experience, and the feedback is the customer's historical service feedback.

6. A method for allocating orphan insurance policies according to claim 1, characterized in that: The matching of the allocation criteria is to extract features from the insurance agent information database and the customer information database, and then formulate matching criteria according to business needs, and then formulate a scoring mechanism for each matching criterion, and use a weighted average method to calculate the final matching score.

7. A method for allocating orphan insurance policies according to claim 6, characterized in that: The matching criteria for the business needs include the matching degree between the insurance agent's professional skills and customer needs, the insurance agent's geographical location and the customer's place of residence, the insurance agent's performance record, and the customer's preference and the insurance agent's service style, which are respectively recorded as professional skill matching degree S1, geographical location matching degree S2, insurance agent's past performance S3 and service style matching degree S4. The final matching score is calculated using weighted average based on the weight assigned to each feature.

8. A method for allocating orphan insurance policies according to claim 7, characterized in that: The final matching score calculation is expressed as: Score=ω1·S1+ω2·S2+ω3·S3+ω4·S4 (1); ω1+ω2+ω3+ω4=1 (6); Among them, ω1 represents the weight of professional skill matching, ω2 represents the weight of geographical location matching, ω3 represents the weight of the insurance agent’s past performance, and ω4 represents the weight of service style matching.

9. A method for allocating orphan insurance policies according to claim 1, characterized in that: The application and approval process is firstly to hold a meeting to introduce the takeover of orphan policies to relevant personnel. After the meeting, an email is sent to all relevant personnel to reiterate the specific requirements and procedures for taking over orphan policies. After receiving the notification, the insurance agent will confirm the order by replying by email and filling out the application form; The insurance company verifies the insurance agent's order confirmation and makes the final approval decision after completing the verification.

10. A method for allocating orphan insurance policies according to claim 1, characterized in that: The adjustment of the matching algorithm is to optimize the algorithm matching standards based on the feedback from the insurance officers after accepting the orphan insurance policies.

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