{"id":19322,"date":"2024-09-20T09:17:53","date_gmt":"2024-09-20T14:17:53","guid":{"rendered":"https:\/\/bolttech.io\/insight\/%ed%98%84%ec%9e%a5-%ec%9a%94%ec%9b%90%ec%9d%b4-pc-%ec%9a%b4%ec%86%a1%ec%97%85%ec%b2%b4%ec%97%90-%ec%a4%91%ec%9a%94%ed%95%9c-%ec%97%ad%ed%95%a0%ec%9d%84-%ed%95%98%eb%8a%94-%ec%9d%b4%ec%9c%a0\/"},"modified":"2024-09-20T09:17:56","modified_gmt":"2024-09-20T14:17:56","slug":"%ed%98%84%ec%9e%a5-%ec%9a%94%ec%9b%90%ec%9d%b4-pc-%ec%9a%b4%ec%86%a1%ec%97%85%ec%b2%b4%ec%97%90-%ec%a4%91%ec%9a%94%ed%95%9c-%ec%97%ad%ed%95%a0%ec%9d%84-%ed%95%98%eb%8a%94-%ec%9d%b4%ec%9c%a0","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/ko\/insights\/%ed%98%84%ec%9e%a5-%ec%9a%94%ec%9b%90%ec%9d%b4-pc-%ec%9a%b4%ec%86%a1%ec%97%85%ec%b2%b4%ec%97%90-%ec%a4%91%ec%9a%94%ed%95%9c-%ec%97%ad%ed%95%a0%ec%9d%84-%ed%95%98%eb%8a%94-%ec%9d%b4%ec%9c%a0\/","title":{"rendered":"\ud604\uc7a5 \uc694\uc6d0\uc774 P&amp;C \uc6b4\uc1a1\uc5c5\uccb4\uc5d0 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud558\ub294 \uc774\uc720"},"content":{"rendered":"\n<p>\ubcf4\ud5d8 \uae30\uc220\uc740 \ubcf4\ud5d8\uc758 \ub2e4\ub978 \ubaa8\ub4e0 \uce21\uba74\uacfc \ud568\uaed8 \uc6b4\uc1a1\uc5c5\uccb4-\ub300\ub9ac\uc778 \uad00\uacc4\ub97c \ubcc0\ud654\uc2dc\ud0a4\uace0 \uc788\uc2b5\ub2c8\ub2e4.\n\uadf8\ub7ec\ub098 \uc5d0\uc774\uc804\ud2b8 \ubaa8\ub378\uc744 \ud3ec\uae30\ud558\uba74 \uc6b4\uc1a1\uc5c5\uccb4\uac00 \uc5d0\ucf54\uc2dc\uc2a4\ud15c\uc744 \uad6c\ucd95\ud558\uace0 \uace0\uac1d \uacbd\ud5d8\uc744 \uac1c\uc778\ud654\ud558\uba70 \ud5a5\ud6c4 \uba87 \ub144 \ub3d9\uc548 \uc8fc\ub3c4\uad8c\uc744 \uc7a1\uc744 \uc218 \uc788\ub294 \ub2a5\ub825\uc774 \uc57d\ud654\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n<p>\uc5d0\uc774\uc804\ud2b8\ub294 COVID-19 \ud32c\ub370\ubbf9\uc774 \uc804\uac1c\ub428\uc5d0 \ub530\ub77c \uacc4\uc18d\ud574\uc11c \uc911\uc694\ud55c \uc5ed\ud560\uc744 \uc218\ud589\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.\nJ.D. Power\uc758 \uc7ac\uc0b0 \ubc0f \uc0c1\ud574 \ubcf4\ud5d8 \ucc45\uc784\uc790\uc778 <a href=\"https:\/\/www.insurancejournal.com\/news\/national\/2020\/11\/16\/590833.htm\" target=\"_blank\" rel=\"noreferrer noopener\">Tom Super<\/a>\ub294 \ud32c\ub370\ubbf9\uc73c\ub85c \uc778\ud574 \uac1c\uc778 \ubc0f \uc0c1\uc5c5 \ub77c\uc778 \uace0\uac1d\uc774 \ubaa8\ub450 \ubcf4\ud5d8 \uc804\ubb38 \uc9c0\uc2dd\uacfc \ub9de\ucda4\ud615 \uc11c\ube44\uc2a4\ub97c \ucd94\uad6c\ud568\uc5d0 \ub530\ub77c \ub300\ub9ac\uc810\uc774 \uc804\uba74\uc5d0 \ub098\uc130\uc2b5\ub2c8\ub2e4. <\/p>\n\n<p>\uace0\uac1d\uc744 \uc704\ud55c \uac15\ub825\ud55c \uc9c1\ud1b5 \uc804\ud654 \uacbd\ud5d8\uacfc \uac15\ub825\ud55c \uc5d0\uc774\uc804\ud2b8 \uad00\uacc4\ub97c \uad6c\ucd95\ud55c \ubcf4\ud5d8\uc0ac\ub294 \ubcf4\ud5d8 \uace0\uac1d\uc774 \uc810\uc810 \ub354 \uace0\ud488\uc9c8\uc758 \uac1c\uc778\ud654\ub418\uace0 \ud3ec\uad04\uc801\uc778 \uc11c\ube44\uc2a4\ub97c \uc694\uad6c\ud558\ub294 \uc138\uc0c1\uc5d0\uc11c \uacbd\uc7c1 \uc6b0\uc704\ub97c \ub192\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n<h2 class=\"wp-block-heading\">\uace0\uac1d\uc5d0 \uad00\ud55c \ubaa8\ub4e0 \uac83<\/h2>\n\n<p>\uc704\uae30 \uc0c1\ud669\uc5d0\uc11c \uc5d0\uc774\uc804\ud2b8\ub294 \uace0\uac1d\uc774 \ud544\uc694\ub85c \ud558\ub294 \uac1c\uc778\ud654\ub418\uace0 \uce5c\uc219\ud55c \uc811\uc810\uc744 \uc81c\uacf5\ud558\uba70, \uc774\ub7ec\ud55c \uad00\uacc4\ub294 \uace0\uac1d\uc774 \uc5d0\uc774\uc804\ud2b8\uc5d0\uac8c \uc815\ubcf4\ub97c \ucc3e\uace0 \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud558\uac70\ub098 \uac31\uc2e0\ud560 \ub54c \uc2dc\uc791\ub418\uace0 \ub354\uc6b1 \uac15\ud654\ub429\ub2c8\ub2e4.<\/p>\n\n<h3 class=\"wp-block-heading\">\ud32c\ub370\ubbf9 \uc774\ud6c4 \uc2e0\ub8b0 \uc7ac\uad6c\ucd95<\/h3>\n\n<p>\ucf54\ub85c\ub09819 \ud32c\ub370\ubbf9\uc740 \uadfc\ubcf8\uc801\uc778 \uc2e0\ub8b0\ub97c \ub4a4\ud754\ub4e4\uc5c8\ub2e4.\n\ud558\ub8fb\ubc24 \uc0ac\uc774\uc5d0 \uc138\uc0c1\uc758 \uaddc\uce59\uc774 \ubc14\ub00c\uc5c8\uc2b5\ub2c8\ub2e4. <\/p>\n\n<p>\ud32c\ub370\ubbf9\uc774 \uc804\uac1c\ub418\uba74\uc11c \ub9ce\uc740 \uace0\uac1d\uc774 \ubcf4\ud5d8\uc0ac\ub97c \ube44\ub86f\ud55c \uc5ec\ub7ec \uae30\uad00\uc5d0 \ub300\ud55c \uc2e0\ub8b0\ub97c \uc783\uc5c8\uc2b5\ub2c8\ub2e4.\n\uc608\ub97c \ub4e4\uc5b4, \uc911\uc18c\uae30\uc5c5\uc740 \ud32c\ub370\ubbf9 \uad00\ub828 \uc190\uc2e4\uc5d0 \ub300\ud55c \uc801\uc808\ud55c \ubcf4\uc7a5\uc774 \ubd80\uc871\ud558\ub2e4\ub294 \uac83\uc744 \uae68\ub2ec\uc558\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n\ub2e4\ub978 \uace0\uac1d\ub4e4\uc740 \uc6b4\uc804\ud560 \uacf3\uc774 \uc5c6\ub294 \ucc28\ub7c9\uc5d0 \ub300\ud55c \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uacfc \uac19\uc774 \uc0ac\uc6a9\ud560 \uc218 \uc5c6\ub294 \ubcf4\ud5d8\uc5d0 \ub300\ud574 \uc65c \ube44\uc6a9\uc744 \uc9c0\ubd88\ud558\ub294\uc9c0 \uad81\uae08\ud574\ud558\uae30 \uc2dc\uc791\ud588\uc2b5\ub2c8\ub2e4.  <\/p>\n\n<p>\ubcf4\ud5d8 \ud68c\uc0ac\ub294 \uc2e0\ub8b0\ub97c \uc7ac\uac74\ud558\uae30 \uc704\ud574 \ud574\uc57c \ud560 \uc77c\uc774 \uc788\uc2b5\ub2c8\ub2e4.\n\uac15\ub825\ud55c \ub514\uc9c0\ud138 \uacbd\ud5d8\uacfc \uc5d0\uc774\uc804\ud2b8 \uad00\uacc4\uc5d0 \ub300\ud55c \uc9d1\uc911\uc774 \uc774 \uacfc\uc815\uc5d0\uc11c \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud55c\ub2e4\uace0 Accenture\uc758 \ubcf4\ud5d8 \ub2f4\ub2f9 \uc804\ubb34 \uc774\uc0ac\uc778 <a href=\"https:\/\/insuranceblog.accenture.com\/2021-insurance-investments-for-commercial-and-specialty\" target=\"_blank\" rel=\"noreferrer noopener\">Michael Reilly<\/a>\ub294 \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n<p>\ubcf4\ud5d8\uc0ac\uac00 \uace0\uac1d\uc758 \uc2e0\ub8b0\ub97c \ud68c\ubcf5\ud560 \uc218 \uc788\ub294 \ud55c \uac00\uc9c0 \ubc29\ubc95\uc740 \uc0c1\ub2f4\uc0ac \ubc0f \uad50\uc721\uc790\ub85c\uc11c\uc758 \ubcf4\ud5d8\uc124\uacc4\uc0ac \uc5ed\ud560\uc744 \uc9c0\uc6d0\ud558\ub294 \uac83\uc785\ub2c8\ub2e4.\nCombined Insurance\uc758 <a href=\"https:\/\/www.combinedinsurance.com\/us-en\/corporate\/the-blog\/supplemental-insurance\/a-look-at-today%27s-insurance-agent-as-adviser.html\" target=\"_blank\" rel=\"noreferrer noopener\">Alli Walsh<\/a> \ub294 \uc124\uacc4\uc0ac\uac00 \uace0\uac1d\uc774 \ubcf5\uc7a1\ud55c \ubcf4\ud5d8 \uc2dc\uc7a5\uc744 \ud0d0\uc0c9\ud558\uace0 \ucd5c\uc0c1\uc758 \ubcf4\uc7a5 \ubc94\uc704\uc5d0 \ub300\ud574 \uc870\uc5b8\ud560 \uc218 \uc788\ub3c4\ub85d \ub3d5\ub294 \uc774 \uc5ed\ud560\uc740 \uc124\uacc4\uc0ac\uac00 \uace0\uac1d\uacfc \uad6c\ucd95\ud558\ub294 \uad00\uacc4\uc758 \ud575\uc2ec\uc774\ub77c\uace0 \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n<p>\uc608\ub97c \ub4e4\uc5b4, \uc6b4\uc1a1\uc5c5\uccb4\ub294 \ub9c8\ucf00\ud305 \uc9c0\uc6d0\uc744 \uc81c\uacf5\ud558\uace0, \uc0c1\ub2f4\uc0ac\uac00 \uc138\ubbf8\ub098\uc5d0 \ub354 \uc27d\uac8c \ucc38\uc11d\ud558\uace0 \uc778\uc99d\uc744 \ucde8\ub4dd\ud560 \uc218 \uc788\ub3c4\ub85d \ud568\uc73c\ub85c\uc368 \uc0c1\ub2f4\uc0ac\uc758 \uc5ed\ud560\uc744 \uc9c0\uc6d0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n\ub610\ud55c \uc5d0\uc774\uc804\ud2b8\uc758 \uacac\uc801 \ubc0f \ubcf4\uc7a5 \ub2a5\ub825\uc744 \ud5a5\uc0c1\uc2dc\ud0a4\ub294 \ub514\uc9c0\ud138 \ub3c4\uad6c\uc5d0 \ud22c\uc790\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n<h3 class=\"wp-block-heading\">\ub354 \uac15\ub825\ud55c \uad00\uacc4\ub294 \ub354 \ub9ce\uc740 \ud1b5\ucc30\ub825\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4.<\/h3>\n\n<p>\uac15\ub825\ud55c \uace0\uac1d \uad00\uacc4\ub97c \uad6c\ucd95\ud558\uace0, \uace0\uac1d\uc5d0 \ub300\ud55c \uc790\uc138\ud55c \ub370\uc774\ud130\ub97c \uc218\uc9d1\ud558\uace0, \uace0\uac1d \uad50\uc721 \ubc0f \uc815\ubcf4\ub97c \uc81c\uacf5\ud558\ub294 \ub370 \uc911\uc810\uc744 \ub454 \uc5d0\uc774\uc804\ud2b8\uc640 \uc911\uac1c\uc778\uc740 \uc0c1\uc5c5\uc6a9 \ubd80\ub3d9\uc0b0 \ubcf4\ud5d8\uc744 \uc81c\uacf5\ud558\ub294 \ub370 \ub354 \ud070 \uc131\uacf5\uc744 \uac70\ub450\uc5c8\ub2e4\uace0 PropertyCasualty360\uc758 <a href=\"https:\/\/www.propertycasualty360.com\/2020\/02\/27\/success-tips-for-commercial-property-insurance-agents-brokers\/\" target=\"_blank\" rel=\"noreferrer noopener\">Denny Jacob\uacfc Joyce Anne Grabel<\/a> \uc740 \uc37c\uc2b5\ub2c8\ub2e4.<\/p>\n\n<p>\ubcf4\ud5d8\uc0ac\ub294 \ub300\uaddc\ubaa8 \ub370\uc774\ud130 \uc138\ud2b8\ub97c \ubd84\uc11d\ud558\uace0 \uc778\uc0ac\uc774\ud2b8\ub97c \uc81c\uacf5\ud558\ub294 \ub370 \ud544\uc694\ud55c \ub3c4\uad6c\ub97c \uc81c\uacf5\ud558\uc5ec \uc0c1\ub2f4\uc6d0\uc774 \ubcf4\ud5d8 \uad6c\ub9e4 \ud504\ub85c\uc138\uc2a4\uc758 \uc8fc\uc694 \uc9c0\uc810\uc5d0\uc11c \uace0\uac1d\uc5d0\uac8c \uc804\ub2ec\ud560 \uc218 \uc788\ub294 \uc790\uccb4 \uc5c5\ubb34\uc640 \uc0c1\ub2f4\uc6d0\uc758 \uace0\uac1d \uac00\uce58\ub97c \ud5a5\uc0c1\uc2dc\ud0ac \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n\uc774\ub7ec\ud55c \ubc29\uc2dd\uc73c\ub85c \ubcf4\ud5d8\uc0ac\uc640 \ub300\ub9ac\uc810\uc740 \ud611\ub825\ud558\uc5ec \uc0ac\uc6a9 \uac00\ub2a5\ud55c \ub370\uc774\ud130\ub97c \ud65c\uc6a9\ud558\uc5ec \uace0\uac1d\uc5d0\uac8c \ubcf4\uc7a5 \uaca9\ucc28 \ubc0f \uae30\ud0c0 \uc704\ud5d8\uc744 \ud53c\ud558\ub294 \ubc29\ubc95\uc5d0 \ub300\ud574 \uc870\uc5b8\ud560 \uc218 \uc788\ub2e4\uace0 Jones-Wenner Insurance Partners\uc758 \ud68c\uacc4 \uc784\uc6d0 \uacb8 \uc2dc\uc2a4\ud15c \uad00\ub9ac\uc790\uc778 <a href=\"https:\/\/www.propertycasualty360.com\/2020\/05\/06\/how-insurance-agencies-can-make-better-decisions-with-data-analytics\/\" target=\"_blank\" rel=\"noreferrer noopener\">Joyce Sigler<\/a>\ub294 \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n<p>\uc815\ubcf4 \uc218\uc9d1\uc5d0 \uc9d1\uc911\ud558\ub294 \uc5d0\uc774\uc804\ud2b8\ub294 \ub354 \ub098\uc740 \ubaa9\ud45c\ub97c \uc124\uc815\ud558\uace0, \uc790\uc2e0\uc758 \uc704\ud5d8\uc744 \ud574\uacb0\ud558\uace0, \uc2dc\uc7a5\uc774 \uacbd\uc9c1\ub418\uace0 \uc5d0\uc774\uc804\ud2b8 E&amp;O \ud074\ub808\uc784\uc774 \ub354 \ud754\ud574\uc9c0\ub294 \uc2dc\ub300\uc5d0 \uc790\uc2e0\uc744 \ubcf4\ud638\ud569\ub2c8\ub2e4.<\/p>\n\n<p>&#8220;\ubcf4\ud5d8 \uacc4\uc57d\uc790 \uace0\uac1d\uacfc \ub300\ub9ac\uc778 \ub610\ub294 \uc911\uac1c\uc778\uc73c\ub85c\uc11c \uacfc\ub3c4\ud558\uac8c \uc758\uc0ac \uc18c\ud1b5\ud558\ub294 \uac83\uc740 \ub9e4\uc6b0 \uc5b4\ub835\uc2b5\ub2c8\ub2e4&#8221;\ub77c\uace0 Marsh\uc758 \uc218\uc11d \uc18c\uc1a1 \ubcc0\ud638\uc0ac\uc778 <a href=\"https:\/\/www.insurancejournal.com\/news\/national\/2021\/01\/21\/598096.htm\" target=\"_blank\" rel=\"noreferrer noopener\">Ken Fall<\/a>\uc740 \ub9d0\ud569\ub2c8\ub2e4.\n\uc624\ud788\ub824 \uc5d0\uc774\uc804\ud2b8\uc640 \uc911\uac1c\uc778\uc740 \ubcf4\ud5d8 \ud68c\uc0ac\uc640 \ub9c8\ucc2c\uac00\uc9c0\ub85c \uace0\uac1d\uacfc\uc758 \ucee4\ubba4\ub2c8\ucf00\uc774\uc158\uc744 \ud1b5\ud574 \uc774\uc775\uc744 \uc5bb\uc2b5\ub2c8\ub2e4.\n\ub530\ub77c\uc11c \ucee4\ubba4\ub2c8\ucf00\uc774\uc158\uacfc \uad50\uc721\uc744 \ucd09\uc9c4\ud558\ub294 \uc6b4\uc1a1\uc5c5\uccb4\ub294 \uc5d0\uc774\uc804\ud2b8\uc640 \uc911\uac1c\uc778, \uadf8\ub9ac\uace0 \uace0\uac1d\uacfc \ub354 \uac15\ub825\ud55c \uad00\uacc4\ub97c \uad6c\ucd95\ud569\ub2c8\ub2e4.  <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/signing-car-purchase-agreement-1024x682.jpg\" alt=\"\" class=\"wp-image-9599\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/signing-car-purchase-agreement-1024x682.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/signing-car-purchase-agreement-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/signing-car-purchase-agreement-768x512.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/signing-car-purchase-agreement.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">\uc5d0\uc774\uc804\ud2b8\ub294 \uc0dd\ud0dc\uacc4\ub97c \uba39\uc5ec \uc0b4\ub9bd\ub2c8\ub2e4.<\/h2>\n\n<p>\uc5d0\uc774\uc804\ud2b8\uc640 \ubcf4\ud5d8 \ud68c\uc0ac\uc758 \uad00\uacc4\ub294 \ubcf4\ud5d8\uc0ac\uc5d0\uac8c \ub354 \ub9ce\uc740 \ube44\uc988\ub2c8\uc2a4\ub97c \uc758\ubbf8\ud569\ub2c8\ub2e4.\n\uc608\ub97c \ub4e4\uc5b4, <a href=\"https:\/\/www.jdpower.com\/business\/insurance\/us-independent-agent-performance-and-satisfaction-study\" target=\"_blank\" rel=\"noreferrer noopener\">J.D. Power U.S. Independent Agent Performance and Satisfaction Study<\/a>\uc5d0 \ub530\ub974\uba74, \ub3c5\ub9bd \ub300\ub9ac\uc810\uc740 \ud574\ub2f9 \ub300\ub9ac\uc810\uacfc \uac15\ub825\ud558\uace0 \ub9cc\uc871\uc2a4\ub7ec\uc6b4 \uad00\uacc4\ub97c \uad6c\ucd95\ud55c \uc6b4\uc1a1\uc5c5\uccb4\uc640 \ub354 \ub9ce\uc740 \uac70\ub798\ub97c \ud569\ub2c8\ub2e4. <\/p>\n\n<p>\uc774\ub7ec\ud55c \ube44\uc988\ub2c8\uc2a4\ub97c \ucc3d\ucd9c\ud558\uae30 \uc704\ud574 \uc5d0\uc774\uc804\ud2b8\ub294 \uace0\uac1d\uacfc \ud1b5\uc2e0\uc0ac \ubaa8\ub450\uac00 \uc5d0\uc774\uc804\ud2b8\uc5d0\uac8c \uae30\ub300\ud558\ub294 \uc5ed\ud560\uc778 \ucee4\ubba4\ub2c8\ucf00\uc774\uc158 \ub125\uc11c\uc2a4 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4.\n\uace0\uac1d\uacfc \ud1b5\uc2e0\uc0ac \ubaa8\ub450 \uc804\ud654, \uc774\uba54\uc77c, \ubb38\uc790, \ud654\uc0c1 \ud68c\uc758\uc640 \uac19\uc740 \ub2e4\uc591\ud55c \ucc44\ub110\uc744 \ud1b5\ud574 \uc0c1\ub2f4\uc6d0\uacfc \uc5f0\ub77d\ud560 \uc218 \uc788\uae30\ub97c \uae30\ub300\ud569\ub2c8\ub2e4.\n\uadf8\ub4e4\uc740 \uc0c1\ub2f4\uc6d0\uc774 \uac01 \ucc44\ub110\uc744 \ud1b5\ud574\uc11c\ub3c4 \ud6a8\uacfc\uc801\uc73c\ub85c \ucee4\ubba4\ub2c8\ucf00\uc774\uc158\ud558\uae30\ub97c \uae30\ub300\ud569\ub2c8\ub2e4.  <\/p>\n\n<p>\uc5d0\uc774\uc804\ud2b8\ub294 \uc218\ub9ce\uc740 \ucee4\ubba4\ub2c8\ucf00\uc774\uc158 \ucc44\ub110\uacfc \ub300\ud654\uc758 \uc911\uc2ec\uc5d0 \uc788\uae30 \ub54c\ubb38\uc5d0 \ub514\uc9c0\ud138 \ubcf4\ud5d8 \uc5d0\ucf54\uc2dc\uc2a4\ud15c\uc744 \uad6c\ucd95\ud558\ub294 \ub370 \uc788\uc5b4 \uc774\uc0c1\uc801\uc778 \uc815\ubcf4 \uc18c\uc2a4\uc640 \ub9ac\ub4dc\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/p>\n\n<p>\uc5d0\uc774\uc804\ud2b8\ub97c \uc5d0\ucf54\uc2dc\uc2a4\ud15c\uc5d0 \ud1b5\ud569\ud568\uc73c\ub85c\uc368 \ubcf4\ud5d8\uc0ac\ub294 \uace0\uac1d\uc774 \ubcf4\ud5d8 \uad6c\ub9e4\uc640 \uc5f0\uad00\uc2dc\ud0a4\ub294 \uac83\uc5d0 \ub300\ud55c \ud1b5\ucc30\ub825\uc744 \uc5bb\uc744 \uc218 \uc788\uc73c\ubbc0\ub85c \uad00\ub828 \ud68c\uc0ac\uc640 \ud611\ub825\ud558\uc5ec \ubcf4\ud5d8 \uad6c\ub9e4 \uc2dc\uc810\uc73c\ub85c \uc774\ub7ec\ud55c \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\ub294 \uac83\uc774 \ub354 \uc26c\uc6cc\uc9d1\ub2c8\ub2e4.\n\uc774 \uc5d0\ucf54\uc2dc\uc2a4\ud15c\uc744 \uad6c\ucd95\ud558\uae30 \uc704\ud574 \ub514\uc9c0\ud138 \ub3c4\uad6c\ub97c \uc0ac\uc6a9\ud558\ub294 \ub370 \ucd08\uc810\uc744 \ub9de\ucd94\uba74 \ud1b5\ud569\uc774 \ud5a5\uc0c1\ub418\uace0 &#8220;\ub514\uc9c0\ud138 \uc2dc\uc2a4\ud15c \ud1b5\ud569\uc740 \uc2e0\uc18d\ud55c \uc815\ubcf4 \uacf5\uc720\ub97c \uac00\ub2a5\ud558\uac8c \ud558\ub294 \uac83&#8221;\uc774\ub77c\uace0 PropertyCasualty360\uc758 <a href=\"https:\/\/www.propertycasualty360.com\/2020\/03\/10\/building-the-right-digital-ecosystem-for-your-insurance-agency\/\" target=\"_blank\" rel=\"noreferrer noopener\">Bryce Lee<\/a> \ub294 \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n<p>\ubcf4\ud5d8 \uace0\uac1d\uc758 \uacbd\uc6b0, \ubcf4\ud5d8 \uc5d0\ucf54\uc2dc\uc2a4\ud15c\uc740 \uc8fc\ud0dd \ub610\ub294 \uc790\ub3d9\ucc28 \uc218\ub9ac \ud68c\uc0ac\uc640 \uac19\uc740 \uad00\ub828 \ube44\ubcf4\ud5d8 \ud68c\uc0ac\uc758 \uc81c\ud488\uacfc \ubcf4\ud5d8 \uc815\ubcf4 \ubc0f \uad6c\ub9e4\ub97c \uacb0\ud569\ud569\ub2c8\ub2e4.\n\uc0c1\ub2f4\uc6d0\uc740 \uace0\uac1d\uc774 \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud560 \ub54c \ubb34\uc5c7\uc744 \ucc3e\ub294\uc9c0, \uadf8\ub9ac\uace0 \uc774 \uc911\uc694\ud55c \uc2dc\uc810\uc5d0\uc11c \ubaa9\ud45c\ub97c \ub2ec\uc131\ud558\ub294 \ub370 \uc5b4\ub5a4 \ud30c\ud2b8\ub108 \uc11c\ube44\uc2a4\uac00 \ub3c4\uc6c0\uc774 \ub420 \uc218 \uc788\ub294\uc9c0\uc5d0 \ub300\ud55c \ud1b5\ucc30\ub825\uc744 \uc81c\uacf5\ud568\uc73c\ub85c\uc368 \ub9e4\uc6b0 \ud6a8\uacfc\uc801\uc778 \ub514\uc9c0\ud138 \uc5d0\ucf54\uc2dc\uc2a4\ud15c\uc744 \ud615\uc131\ud558\ub294 \ub370 \ud575\uc2ec\uc801\uc778 \uc5ed\ud560\uc744 \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n<p>\ubbf8\ub798\ub97c \uc900\ube44\ud558\uae30 \uc704\ud574 \ubcf4\ud5d8\uc0ac\ub294 \uc720\ud1b5\uc5d0 \ub300\ud55c \uad00\uc810\uc744 \ud655\uc7a5\ud574\uc57c \ud569\ub2c8\ub2e4.\n&#8220;\uc720\ud1b5 \ud30c\ud2b8\ub108\uc2ed\uc744 \ud655\ub300\ud558\uba74 \uc601\uc5c5 \uc778\ub825\uc774 \uc704\uae30 \uc0c1\ud669\uc5d0\uc11c \ud310\ub9e4\ub7c9\uc744 \uc720\uc9c0\ud558\uba74\uc11c \ub3c4\uc6c0\uc774 \ud544\uc694\ud55c \ub354 \ub9ce\uc740 \uace0\uac1d\uc5d0\uac8c \uc81c\ud488\uc744 \uc81c\uacf5\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4&#8221;\ub77c\uace0 McKinsey\uc758 <a href=\"https:\/\/www.mckinsey.com\/industries\/financial-services\/our-insights\/how-insurance-can-prepare-for-the-next-distribution-model\" target=\"_blank\" rel=\"noreferrer noopener\">Simon Kaesler<\/a> \uc640 \ub3d9\ub8cc \uc5f0\uad6c\uc6d0\ub4e4\uc740 \uc37c\uc2b5\ub2c8\ub2e4.\n\uac15\ub825\ud55c \uc5d0\ucf54\uc2dc\uc2a4\ud15c\uc744 \uad6c\ucd95\ud558\ub294 \uac83\uc740 \uc720\ud1b5\uc744 \ub2e4\uac01\ud654\ud558\ub294 \ub3d9\uc2dc\uc5d0 \uc0c1\ub2f4\uc6d0\uc758 \uc804\ubb38\uc131\uacfc \uace0\uac1d\uc774 \ucd94\uad6c\ud558\ub294 \uace0\ub3c4\ub85c \uac1c\uc778\ud654\ub41c \uc11c\ube44\uc2a4\uc758 \uac00\uce58\ub97c \uc81c\uacf5\ud558\ub294 \ud55c \uac00\uc9c0 \ubc29\ubc95\uc785\ub2c8\ub2e4.  <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/signing-document-with-smiles-1024x682.jpg\" alt=\"\" class=\"wp-image-9609\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/signing-document-with-smiles-1024x682.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/signing-document-with-smiles-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/signing-document-with-smiles-768x512.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/signing-document-with-smiles.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">2021\ub144\uacfc \uadf8 \uc774\ud6c4\uc758 \uad00\uacc4 \uad6c\ucd95\uc790\ub85c\uc11c\uc758 \uc5d0\uc774\uc804\ud2b8<\/h2>\n\n<p>\ub9ce\uc740 \uc0c1\ub2f4\uc6d0\uc774 \uc5c5\ubb34\ub97c \ud074\ub77c\uc6b0\ub4dc\ub85c \uc774\uc804\ud558\uace0, \uc18c\uc15c \ubbf8\ub514\uc5b4 \ubc0f \uc720\uc0ac\ud55c \ub3c4\uad6c\ub97c \uc0ac\uc6a9\ud558\uc5ec \uace0\uac1d\uc5d0 \ub300\ud55c \uc811\uadfc\uc131\uc744 \uac1c\uc120\ud558\uace0, \uc790\ub3d9 \uacac\uc801\uacfc \uac19\uc740 \uae30\uc220 \uc194\ub8e8\uc158\uc744 \uc218\uc6a9\ud568\uc73c\ub85c\uc368 COVID-19\uc758 \uc81c\ud55c\uc5d0 \uc801\uc751\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n<p>\uc5d0\uc774\uc804\ud2b8\uac00 \uae30\uc220\uc744 \ud1b5\ud574 \ud601\uc2e0\ud568\uc5d0 \ub530\ub77c \uc5d0\uc774\uc804\ud2b8 \ud601\uc2e0\uc744 \uc9c0\uc6d0\ud560 \uc900\ube44\uac00 \ub41c \ud1b5\uc2e0 \uc0ac\uc5c5\uc790\ub294 \ub354 \uac15\ub825\ud55c \uad00\uacc4\ub97c \uad6c\ucd95\ud560 \uac83\uc785\ub2c8\ub2e4.\n\uc6b4\uc1a1\uc5c5\uccb4\ub294 \uc5d0\uc774\uc804\ud2b8\uac00 \uc81c\uacf5\ud558\ub294 \uac1c\uc778\uc801\uc778 \uc5f0\uacb0\uacfc \uc804\ubb38 \uc9c0\uc2dd\uc744 \ud65c\uc6a9\ud558\uace0 \uae30\uc220\uc744 \ud1b5\ud574 \uc774\ub7ec\ud55c \uad00\uacc4\ub97c \uac15\ud654\ud558\uc5ec \uace0\uac1d\uc5d0\uac8c \ubcf4\ub2e4 \ud6a8\uacfc\uc801\uc73c\ub85c \ub2e4\uac00\uac08 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n<p>\uae30\uc220\uc740 \uc774\ubbf8 \uc5d0\uc774\uc804\ud2b8-\uace0\uac1d \uad00\uacc4\ub97c \ubcf4\ub2e4 \ud6a8\uc728\uc801\uc73c\ub85c \ub9cc\ub4e4\uace0 \uc788\uc2b5\ub2c8\ub2e4.\n\uc608\ub97c \ub4e4\uc5b4, McKinsey\uc758 \ud55c \uc5f0\uad6c\uc5d0 \ub530\ub974\uba74 \ubcf4\ud5d8 \uace0\uac1d\uc758 69%\uac00 \ucf54\ub85c\ub09819 \uc2dc\ub300\uc5d0 \ubcf4\ud5d8\uc0ac\uc640 \ub354 \ud6a8\uc728\uc801\uc778 \uc0c1\ud638 \uc791\uc6a9\uc744 \ud588\ub2e4\uace0 \ubcf4\uace0\ud588\uc2b5\ub2c8\ub2e4. <\/p>\n\n<p>\uadf8\ub7ec\ub098 \uc774\ub7ec\ud55c \uace0\uac1d\ub4e4\uc774 \ubcf4\ud5d8 \ud68c\uc0ac \uad00\uacc4\uc5d0\uc11c \uac00\uc7a5 \uc6d0\ud558\ub294 \uac83\uc740 \ud6a8\uc728\uc131\uc774 \uc544\ub2c8\uc5c8\uc2b5\ub2c8\ub2e4.\n\uc774 \uc5f0\uad6c\uc5d0 \ub300\ud574 \uc751\ub2f5\uc790\uc758 83%\ub294 &#8220;\ub0b4 \uc5d0\uc774\uc804\ud2b8\uac00 \ub0b4 \uad00\uc810\uc5d0\uc11c \ubb38\uc81c\ub97c \uacf5\uac10\ud558\uace0 \ubcfc \uc218 \uc788\uae30\ub97c \ubc14\ub780\ub2e4&#8221;\ub294 \ub9d0\uc5d0 \ub3d9\uc758\ud558\uac70\ub098 \ub9e4\uc6b0 \ub3d9\uc758\ud55c\ub2e4\uace0 \ub2f5\ud588\ub2e4\uace0 McKinsey\uc758 <a href=\"https:\/\/www.mckinsey.com\/industries\/financial-services\/our-insights\/insurance-blog\/the-future-of-insurance-agent-customer-interaction\" target=\"_blank\" rel=\"noreferrer noopener\">Bernhard Kotanko\uc640 Enoch Chan<\/a> \uc740 \uc37c\uc2b5\ub2c8\ub2e4.\n73%\ub294 &#8220;\uc5d0\uc774\uc804\ud2b8\uac00 \ub0b4 \ud544\uc694\uc5d0 \ub530\ub77c \uac1c\uc778\ud654\ub41c \uc81c\ud488\uacfc \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud560 \uc218 \uc788\uae30\ub97c \ubc14\ub780\ub2e4&#8221;\ub294 \ub9d0\uc5d0 \ub3d9\uc758\ud558\uac70\ub098 \ub9e4\uc6b0 \ub3d9\uc758\ud588\uc2b5\ub2c8\ub2e4.  <\/p>\n\n<p>\uae30\uc220\uc740 \ud6a8\uc728\uc131\uacfc \uac1c\uc778\ud654\ub41c \ucd94\ucc9c\uc744 \uac1c\uc120\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n\uadf8\ub7ec\ub098 \uacf5\uac10\uc740 \uc5ec\uc804\ud788 \uc778\uac04 \uad00\uacc4\uc758 \uc601\uc5ed\uc785\ub2c8\ub2e4.\n\uc0c1\ub2f4\uc6d0\uc740 \uae30\uc220 \ub3c4\uad6c \ubc0f \uc778\ub9e5\uc758 \uc774\uc810\uc744 \ub204\ub9b4 \uc218 \uc788\uc9c0\ub9cc, \uc774\ub294 \uac01 \uace0\uac1d\uacfc \uac1c\ubcc4\uc801\uc774\uace0 \uac1c\uc778\uc801\uc778 \uad00\uacc4\ub97c \uad6c\ucd95\ud560 \uc218 \uc788\ub294 \uc0c1\ub2f4\uc6d0\uc758 \ub2a5\ub825\uc744 \ubcf4\uc644\ud558\ub294 \uacbd\uc6b0\uc5d0\ub9cc \uac00\ub2a5\ud569\ub2c8\ub2e4.  <\/p>\n\n<p>\ucf54\ub85c\ub09819 \ud32c\ub370\ubbf9\uc73c\ub85c \ub514\uc9c0\ud138 \ub3c4\uc785\uc774 \uac00\uc18d\ud654\ub418\uc5c8\uc9c0\ub9cc, &#8220;\uc0ac\ud68c\uc758 \uc911\uc694\ud55c \ubd80\ubd84\uc740 \uc544\ub0a0\ub85c\uadf8\uc774\uba70, \uc55e\uc73c\ub85c\ub3c4 \uadf8\ub7f4 \uac83&#8221;\uc774\ub77c\uace0 \ubcf4\ud5d8 \uae30\uc220 \ubd84\uc11d\uac00 <a href=\"https:\/\/live-i-t-l.pantheonsite.io\/coronavirus-is-cutting-connections\/\" target=\"_blank\" rel=\"noreferrer noopener\">\ubc30\ub9ac \ub7a9\ud0a8(Barry Rabkin<\/a>)\uc740 \ub9d0\ud569\ub2c8\ub2e4.\n\uc778\uac04\uc758 \ubcf8\uc131\uc5d0\ub294 \ubc14\uc774\ub7ec\uc2a4\uac00 \uacc4\uc18d \ud655\uc0b0\ub418\ub294 \ub3d9\uc548 \ud559\uad50\ub098 \uacf5\uacf5 \uc7a5\uc18c\ub97c \ub2e4\uc2dc \uc5ec\ub294 \uac83\uacfc \uac19\uc774 \uc704\ud5d8\uc744 \ucd08\ub798\ud558\ub294 \uacbd\uc6b0\uc5d0\ub3c4 \uc2e4\uc81c \uc0ac\ud68c\uc801 \uc5f0\uacb0\uc744 \ucc3e\ub294 \uac83\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4. <\/p>\n\n<p>\ub514\uc9c0\ud138 \ubc30\ud3ec\uc5d0\ub9cc \uc804\uc801\uc73c\ub85c \uc758\uc874\ud558\ub294 \ud1b5\uc2e0 \uc0ac\uc5c5\uc790\ub294 \uc778\uac04 \ubcf8\uc131\uc5d0 \ub9e4\uc6b0 \uc18c\uc911\ud558\uac8c \uc5ec\uaca8\uc9c0\ub294 \uc544\ub0a0\ub85c\uadf8 \uad00\uacc4\ub97c \ud1b5\ud574 \uace0\uac1d\uc5d0\uac8c \ub2e4\uac00\uac08 \uc218 \uc788\ub294 \uae30\ud68c\ub97c \ub193\uce58\uace0 \uc788\uc2b5\ub2c8\ub2e4.\n\uc5d0\uc774\uc804\ud2b8\uc640 \uc911\uac1c\uc778\uc740 \uc774\ub7ec\ud55c \uad00\uacc4\uc5d0 \ud544\uc218\uc801\uc778 \uc18c\uc2a4\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. <\/p>\n\n<p>\ub9c8\ucc30\uc744 \uc904\uc774\uace0 \uace0\uac1d-\ubcf4\ud5d8\uc0ac \uad00\uacc4\ub97c \uac15\ud654\ud558\ub294 \ucd08\uac1c\uc778\ud654\ub41c \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\ub294 \uac83\uc740 \ud5a5\ud6c4 \uba87 \ub144 \ub3d9\uc548 \uac15\ub825\ud55c \ubcf4\ud5d8 \uace0\uac1d \uae30\ubc18\uc744 \uad6c\ucd95\ud558\uace0 \uc720\uc9c0\ud558\ub294 \ub370 \ud575\uc2ec\uc774 \ub420 \uac83\uc785\ub2c8\ub2e4.\n\uc5d0\uc774\uc804\ud2b8\ub294 \uc774\ub7ec\ud55c \uad00\uacc4\ub97c \uad6c\ucd95\ud558\uace0 \uc5d0\ucf54\uc2dc\uc2a4\ud15c\uc744 \uac15\ud654\ud558\uba70 \uac00\uce58\ub97c \uc81c\uacf5\ud558\ub294 \ub370 \ud544\uc218\uc801\uc778 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4.\n\uc720\ud1b5 \ubaa8\ub378 \ubc0f \uae30\uc220\uc5d0 \uc5d0\uc774\uc804\ud2b8\ub97c \uad6c\ucd95\ud568\uc73c\ub85c\uc368 \ubcf4\ud5d8\uc0ac\ub294 \uace0\uac1d\uc5d0\uac8c \ub3c4\ub2ec\ud558\uace0 \uc720\uc9c0\ud558\ub294 \ub2a5\ub825\uc744 \ud5a5\uc0c1\uc2dc\ud0ac \uc218 \uc788\uc2b5\ub2c8\ub2e4.  <\/p>\n\n<p><em>\uc774\ubbf8\uc9c0 \uc791\uc131\uc790: Antonio Guillem\/\u00a9123RF.com, Anton Estrada\/\u00a9123RF.com, fizkes\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ubcf4\ud5d8 \uae30\uc220\uc740 \ubcf4\ud5d8\uc758 \ub2e4\ub978 \ubaa8\ub4e0 \uce21\uba74\uacfc \ud568\uaed8 \uc6b4\uc1a1\uc5c5\uccb4-\ub300\ub9ac\uc778 \uad00\uacc4\ub97c \ubcc0\ud654\uc2dc\ud0a4\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc5d0\uc774\uc804\ud2b8 \ubaa8\ub378\uc744 \ud3ec\uae30\ud558\uba74 \uc6b4\uc1a1\uc5c5\uccb4\uac00 \uc5d0\ucf54\uc2dc\uc2a4\ud15c\uc744 \uad6c\ucd95\ud558\uace0 \uace0\uac1d \uacbd\ud5d8\uc744 \uac1c\uc778\ud654\ud558\uba70 \ud5a5\ud6c4 \uba87 \ub144 \ub3d9\uc548 \uc8fc\ub3c4\uad8c\uc744 \uc7a1\uc744 \uc218 \uc788\ub294 \ub2a5\ub825\uc774 \uc57d\ud654\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc5d0\uc774\uc804\ud2b8\ub294 COVID-19 \ud32c\ub370\ubbf9\uc774 \uc804\uac1c\ub428\uc5d0 \ub530\ub77c \uacc4\uc18d\ud574\uc11c \uc911\uc694\ud55c \uc5ed\ud560\uc744 \uc218\ud589\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. J.D. 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