interviewguide–chinalifeinsurancecompanies(编辑修改稿)

interviewguide–chinalifeinsurancecompanies(编辑修改稿)内容摘要：

PECIALIST SKILLS 28. Are any specialized skills required to provide sales and agent support? 29. How difficult are these skills to source locally? IMPACT ON TIME TO MARKET 30. How does agent/sales support impact your time to market? 31. Are there opportunities to reduce time to market through improved sales support and training? ECONOMIES OF SCALE 32. Are there any opportunities for staff or overhead reduction in sales/agent support? REGULATION 33. What regulatory barriers are involved in sales support provided from outside the country for your market? 34. What regulatory barriers are involved in agent support and training provided from outside the country for your market? KNOWLEDGE SHARING 35. Is there effective knowledge transfer and sharing of best practices between sales/agent support staff? 36. Does the current structure of your sales/agent support functions hinder knowledge sharing in any way? RESPONSIVENESS TO NEW MARKET OPPORTUNITIES 37. Does localized agent/sales support increase the agent’s ability to respond to market demands? 38. What are the opportunities for improvement in the agent/sales support process such that you could increase an agent’s ability to respond to market demands/trends? Insurance Practices Interview Guide 8 RETENTION / TRAINING 39. What resource development initiatives do you provide to ensure continued development of your agency and sales support resources? 40. What is your retention rate for agents and sales support resources? Is this more or less than the market average? 41. What measures have you put in place to ensure agent retention and sales support retention in key areas? COST MANAGEMENT 42. Do you capture information on the cost of agent and sales support? Is this more or less than the market average? 43. Do you feel these costs are justified to maintain distribution channels as a key success factor? 44. What measures are you considering or implementing to reduce costs in the agent and sales support process? 45. How do you allocate costs for sales and agent support? REDUCTION OF BUSINESS RISKS 46. Is there a possibility of significant regulatory or policy changes which will impact the agent recruitment and training process? 47. Is there a possibility of significant regulatory or policy changes which will impact the sales support process? 48. What are the risks associated with failure to adequately manage and support your agents? 49. Have you taken any steps to decrease your exposure to risk with respect to agent and sales activities? OVERALL IMPACT ON REVENUE 50. Can you track increase revenues back to service provided to agents and sales activities? 51. Has revenue increased/decreased in proportion to increased/decreased agent and sales support activities? 4. New Business 45. Describe how you process new policy holders. Include the following activities. 46. Application submission 47. Applicant evaluation (risk and credit rating) 48. Client pricing, negotiations and proposal generation/amendment 49. Refunds for policies declined or not taken 50. Policy delivery (policy generation, collection of first premium, activation of coverage, policy received by agent, entry of client to systems) 51. Who does the underwriting? 52. Do you sell policies over the inter? Insurance Practices Interview Guide 9 53. How long does application processing take? What part of processing takes the most time and why is it time consuming (. regulatory requirements, lack of automation, process inefficiencies)? How much is quick processing valued by policy holders? 54. Do you offer a “Free Look” period for policies? If so, how long? 55. When and how does a policy “go live”? 56. If you operate beyond your local borders, which new business activities are managed at each location? What drives various functions to take place in different locations? 57. How many FTEs are involved in this process and where are they located? 58. Is any aspect of this process is automated? Do you use any applications to support new policy processing, if so which ones? 59. Do you maintain any service standards for this area? If so, describe them. What is your actual success in meeting your standards? Shared Services Drivers CUSTOMER SERVICE 52. How customized to the country/region are new business and underwriting services? 53. Does local/regional application processing provide better service to your customers? 54. Does the location of your application processing impact the timeliness of response to your new customers? ACCESS TO SPECIALIST SKILLS 55. Are the underwriting skills required difficult to find locally? 56. Are there aspects of your new business issue process which requires you to hire product application processing specialists/underwriters locally? 57. What certification requirements are underwriters required to have in order to work in the local environment? ECONOMIES OF SCALE 58. Are there any opportunities for staff or overhead reduction in new business processing? 59. Is your application processing and policy issue process workflow enabled? 60. Would centralization of application processing provide opportunities for economies of scale? REGULATION 61. What regulatory barriers are involved in processing applications and issuing new policies from outside the country for your market? KNOWLEDGE SHARING 62. Is there effective knowledge transfer and sharing of best practices between application processing and underwriting staff? 63. Does the current structure and processes of your application processing and policy issue functions hinder knowledge sharing in any way? Insurance Practices Interview Guide 10 RESPONSIVENESS TO NEW MARKET OPPORTUNITIES 64. Does localized application processing increase your ability to identify and respond to n。