{"id":19139,"date":"2024-09-20T08:46:31","date_gmt":"2024-09-20T13:46:31","guid":{"rendered":"https:\/\/bolttech.io\/insight\/%e4%bf%9d%e9%99%a9%e5%88%86%e9%94%80%e9%a2%86%e5%9f%9f%e5%8f%91%e7%94%9f%e7%9a%84-2-%e4%b8%aa%e5%85%b3%e9%94%ae%e5%8f%98%e5%8c%96\/"},"modified":"2024-09-20T08:46:32","modified_gmt":"2024-09-20T13:46:32","slug":"%e4%bf%9d%e9%99%a9%e5%88%86%e9%94%80%e9%a2%86%e5%9f%9f%e5%8f%91%e7%94%9f%e7%9a%84-2-%e4%b8%aa%e5%85%b3%e9%94%ae%e5%8f%98%e5%8c%96","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/zh-hans\/insights\/%e4%bf%9d%e9%99%a9%e5%88%86%e9%94%80%e9%a2%86%e5%9f%9f%e5%8f%91%e7%94%9f%e7%9a%84-2-%e4%b8%aa%e5%85%b3%e9%94%ae%e5%8f%98%e5%8c%96\/","title":{"rendered":"\u4fdd\u9669\u5206\u9500\u9886\u57df\u53d1\u751f\u7684 2 \u4e2a\u5173\u952e\u53d8\u5316"},"content":{"rendered":"\n<p><strong>\u4f5c\u8005\uff1aJim Dwane<\/strong> <strong>Bolt \u9996\u5e2d\u6267\u884c\u5b98<\/strong><\/p>\n\n<p>\u6211\u4eec\u8d8a\u662f\u8fc8\u5165 21 \u4e16\u7eaa\uff0c\u6280\u672f\u5728\u4fdd\u9669\u4e1a\u4e2d\u7684\u4f5c\u7528\u5c31\u8d8a\u5927\u3002<\/p>\n\n<p>\u5728\u4fdd\u9669\u79d1\u6280\u9886\u57df\u7684\u6295\u8d44\u4ece2003\u5e74\u76843\u4ebf\u7f8e\u5143\u589e\u52a0\u52302019\u5e74\u7684\u60ca\u4eba\u768458\u4ebf\u7f8e\u5143\uff0c\u9ea6\u80af\u9521\u516c\u53f8\u7684\u987e\u95ee <a href=\"https:\/\/www.mckinsey.com\/industries\/financial-services\/our-insights\/the-multi-access-r-evolution-in-insurance-sales\" target=\"_blank\" rel=\"noreferrer noopener\">\u8fc8\u514b\u5c14\u00b7\u514b\u52b3\u65af<\/a>\u5199\u9053\u3002\n\u8fd9\u4e00\u7edf\u8ba1\u6570\u636e\u5b8c\u7f8e\u5730\u8bf4\u660e\u4e86\u4fdd\u9669\u6280\u672f\u7684\u53d1\u5c55\uff0c\u5e76\u663e\u793a\u4e86\u5b83\u5728\u76f8\u5bf9\u8f83\u77ed\u7684\u65f6\u95f4\u5185\u53d6\u5f97\u4e86\u591a\u5927\u7684\u8fdb\u6b65\u3002 <\/p>\n\n<p>\u8d8a\u6765\u8d8a\u591a\u7684\u4fdd\u9669\u516c\u53f8\u548c\u5ba2\u6237\u6b63\u5728\u91c7\u7528\u6570\u5b57\u6e20\u9053\uff0c\u4fdd\u9669\u7684\u4e70\u5356\u65b9\u5f0f\u4e5f\u53d1\u751f\u4e86\u5feb\u901f\u53d8\u5316\u3002\n\u5b83\u8fd8\u521b\u9020\u4e86\u4e00\u79cd\u9009\u62e9\u7684\u6c11\u4e3b\u5316\uff0c\u5e76\u4ee5\u4e24\u79cd\u4e3b\u8981\u65b9\u5f0f\u63d0\u9ad8\u4e86\u6d88\u8d39\u8005\u7684\u671f\u671b\u3002 <\/p>\n\n<h2 class=\"wp-block-heading\">\u627f\u8fd0\u5546\u73b0\u5728\u63d0\u4f9b\u771f\u6b63\u7684\u9009\u62e9<\/h2>\n\n<p>\u957f\u671f\u4ee5\u6765\uff0c\u4ece\u5206\u9500\u7684\u89d2\u5ea6\u6765\u770b\uff0c\u4fdd\u9669\u662f\u4e00\u4e2a\u76f8\u5f53\u53cc\u8fb9\u7684\u72ed\u7a84\u884c\u4e1a\u3002\n\u4fdd\u9669\u5ba2\u6237\u5927\u591a\u901a\u8fc7\u4ee3\u7406\u5546\u8d2d\u4e70\u4ea7\u54c1\u3002 <\/p>\n\n<p>\u8fd9\u610f\u5473\u7740\u5ba2\u6237\u5728\u8d2d\u4e70\u8fc7\u7a0b\u4e2d\u51e0\u4e4e\u6ca1\u6709\u5f71\u54cd\u529b\u3002\n\u5ba2\u6237\u4f1a\u53bb\u627e\u4ee3\u7406\u5546\u627e\u4fdd\u9669\uff0c\u4ee3\u7406\u5546\u4f1a\u5411\u4ed6\u4eec\u51fa\u552e\u4fdd\u9669\u5355\uff0c\u5ba2\u6237\u5fc5\u987b\u76f8\u4fe1\u4ed6\u4eec\u5f97\u5230\u4e86\u6700\u597d\u7684\u4ea7\u54c1\u3002 <\/p>\n\n<p>\u4f46 <a href=\"https:\/\/www.progressive.com\/about\/history\/#:~:text=1993,option%20to%20buy%20by%20phone.\" target=\"_blank\" rel=\"noreferrer noopener\">\u4ece 1993 \u5e74\u5f00\u59cb<\/a>\uff0c\u5f53 Progressive \u5f00\u59cb\u63d0\u4f9b\u6bd4\u8f83\u6c47\u7387\u65f6\uff0c\u4ed6\u4eec\u6c38\u8fdc\u6539\u53d8\u4e86\u6e38\u620f\u89c4\u5219\u3002\n\u8fd9\u5728\u4fdd\u9669\u5ba2\u6237\u4e2d\u5e7f\u53d7\u6b22\u8fce\u3002\n\u4e8b\u5b9e\u4e0a\uff0c\u6839\u636e <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2020-us-insurance-shopping-study\" target=\"_blank\" rel=\"noreferrer noopener\">JD Power<\/a> \u7684\u6570\u636e\uff0c\u4ece 2019 \u5e74 4 \u6708\u5230 2020 \u5e74 4 \u6708\uff0cProgressive \u548c GEICO \u8fd9\u4e24\u5bb6\u4e13\u6ce8\u4e8e\u6bd4\u8f83\u8d2d\u7269\u7684\u4e3b\u8981\u4fdd\u9669\u516c\u53f8\u5408\u8ba1\u5360\u4fdd\u8d39\u589e\u957f\u7684 92%\u3002  <\/p>\n\n<p>\u5ba2\u6237\u73b0\u5728\u4e0d\u5fc5\u76f8\u4fe1\u4ee3\u7406\u4eba\u8bf4\u4ed6\u4eec\u5f97\u5230\u4e86\u6700\u597d\u7684\u4fdd\u9669\uff0c\u800c\u662f\u53ef\u4ee5\u5e76\u6392\u6bd4\u8f83\u6765\u81ea\u4e0d\u540c\u63d0\u4f9b\u5546\u7684\u591a\u4e2a\u4fdd\u5355\uff0c\u5e76\u786e\u5b9a\u4ed6\u4eec\u5f97\u5230\u4e86\u5f88\u591a\u4f18\u60e0\u3002\n\u8be5\u6a21\u578b\u8fd8\u5141\u8bb8\u4ed6\u4eec\u770b\u5230\u4fdd\u5355\u4e4b\u95f4\u7684\u7ec6\u5fae\u5dee\u522b\uff0c\u5e76\u63d0\u9ad8\u4ed6\u4eec\u5bf9\u6240\u8d2d\u4e70\u4ea7\u54c1\u7684\u6574\u4f53\u4e86\u89e3\u6c34\u5e73\u3002 <\/p>\n\n<p>\u8fd9\u662f\u4fdd\u9669\u6c11\u4e3b\u5316\u7684\u4e00\u79cd\u5f62\u5f0f\u2014\u2014\u4fdd\u9669\u516c\u53f8\u63d0\u4f9b\u9009\u62e9\u3002<\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/focused-man-on-laptop-1024x683.jpg\" alt=\"&#x5E74;&#x8F7B;&#x7537;&#x6027;&#x4F01;&#x4E1A;&#x4E3B;\" class=\"wp-image-9891\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/focused-man-on-laptop-1024x683.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/focused-man-on-laptop-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/focused-man-on-laptop-768x512.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/focused-man-on-laptop.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">\u9500\u552e\u70b9\u4fdd\u9669\u7684\u6f14\u53d8<\/h2>\n\n<p>\u5bf9\u4fdd\u9669\u6c11\u4e3b\u5316\u505a\u51fa\u91cd\u5927\u8d21\u732e\u7684\u53e6\u4e00\u4e2a\u91cd\u5927\u53d8\u5316\u662f\u6280\u672f\u98a0\u8986\u3002\n\u4fdd\u9669\u754c\u4ee5\u5916\u7684\u521b\u65b0\u8005\u5df2\u7ecf\u5f00\u59cb\u9500\u552e P&amp;C \u4fdd\u9669\uff0c\u5e76\u53d6\u5f97\u4e86\u771f\u6b63\u7684\u6210\u529f\u3002 <\/p>\n\n<p>\u76f4\u5230\u6700\u8fd1\uff0c\u9500\u552e\u70b9\u4fdd\u9669\u66f4\u591a\u5730\u4ee5\u6f5c\u5728\u5ba2\u6237\u751f\u6210\u7684\u65b9\u5f0f\u6267\u884c\u3002\n\u4f8b\u5982\uff0c\u5982\u679c\u5ba2\u6237\u6b63\u5728\u8d2d\u4e70\u6c7d\u8f66\uff0c\u4ed6\u4eec\u53ef\u4ee5\u5f53\u573a\u83b7\u5f97\u6c7d\u8f66\u4fdd\u9669\u62a5\u4ef7\u3002\n\u8fd9\u4e5f\u662f\u6709\u9053\u7406\u7684\u3002  <\/p>\n\n<p>\u4f46\u6211\u4eec\u73b0\u5728\u6b63\u5904\u4e8e\u4e00\u4e2a\u9636\u6bb5\uff0c\u5b83\u4e0d\u518d\u53ea\u662f\u4fdd\u9669\u516c\u53f8\u548c\u4fdd\u9669\u4ee3\u7406\u4eba\u7684\u804c\u8d23\u3002\n\u73b0\u5728\uff0c\u975e\u4fdd\u9669\u516c\u53f8\u80fd\u591f\u5c06\u4fdd\u9669\u4ea7\u54c1\u6dfb\u52a0\u5230\u5176\u73b0\u6709\u4ea7\u54c1\u4e2d\u3002\n\u5546\u4e1a\u6a21\u5f0f\u8f6c\u578b\u4e13\u5bb6 <a href=\"https:\/\/www.linkedin.com\/pulse\/embedded-insurance-3-trillion-market-opportunity-could-simon-torrance\/\" target=\"_blank\" rel=\"noreferrer noopener\">Simon Torrance<\/a> \u89e3\u91ca\u8bf4\uff0c\u8fd9\u88ab\u79f0\u4e3a\u5d4c\u5165\u5f0f\u4fdd\u9669\uff0c\u6d89\u53ca\u201c\u5c06\u4fdd\u9669\u529f\u80fd\u62bd\u8c61\u4e3a\u6280\u672f\uff0c\u4f7f\u4efb\u4f55\u9886\u57df\u7684\u4efb\u4f55\u7b2c\u4e09\u65b9\u4ea7\u54c1\u6216\u670d\u52a1\u63d0\u4f9b\u5546\u6216\u5f00\u53d1\u5546\u80fd\u591f\u5c06\u521b\u65b0\u7684\u4fdd\u9669\u89e3\u51b3\u65b9\u6848\u65e0\u7f1d\u96c6\u6210\u5230\u4ed6\u4eec\u7684\u5ba2\u6237\u4e3b\u5f20\u548c\u4f53\u9a8c\u4e2d\u201d\u3002  <\/p>\n\n<p>\u4e00\u4e2a\u5f88\u597d\u7684\u4f8b\u5b50\uff1a\u91d1\u878d\u516c\u53f8 NerdWallet \u63d0\u4f9b\u6709\u5173\u9009\u62e9\u4fdd\u9669\u8303\u56f4\u7684\u6709\u7528\u5efa\u8bae\uff0c\u5e76\u4e3a\u6d88\u8d39\u8005\u63d0\u4f9b\u7b26\u5408\u5176\u72ec\u7279\u9700\u6c42\u7684\u4fdd\u5355\u3002\n\u5bf9\u4e8e NerdWallet \u6765\u8bf4\uff0c\u6b64\u4ea7\u54c1\u4e3a\u5ba2\u6237\u65c5\u7a0b\u589e\u52a0\u4e86\u4ef7\u503c\u3002 <\/p>\n\n<p>\u6700\u91cd\u8981\u7684\u662f\uff0c\u4fdd\u9669\u516c\u53f8\u4e0d\u4ec5\u6709\u673a\u4f1a\u9500\u552e\u4fdd\u9669\uff0c\u800c\u4e14\u6709\u673a\u4f1a\u6210\u4e3a\u5176\u4ea7\u54c1\u8d2d\u4e70\u4f53\u9a8c\u7684\u76ee\u7684\u5730\u3002\n\u9274\u4e8e\u50cf Torrance \u8fd9\u6837\u7684\u4e13\u5bb6\u9884\u6d4b\u5d4c\u5165\u5f0f\u4fdd\u9669\u5c06\u62e5\u6709 3 \u4e07\u4ebf\u7f8e\u5143\u7684\u5e02\u573a\u673a\u4f1a\uff0c\u5f88\u5bb9\u6613\u7406\u89e3\u4e3a\u4ec0\u4e48\u8fd9\u4e48\u591a\u516c\u53f8\u90fd\u6e34\u671b\u52a0\u5165\u3002 <\/p>\n\n<h2 class=\"wp-block-heading\">\u9002\u5e94\u65b0\u7684\u4fdd\u9669\u751f\u6001\u7cfb\u7edf<\/h2>\n\n<p>\u8fd1\u5e74\u6765\uff0c\u4fdd\u9669\u4e1a\u7684\u6c11\u4e3b\u5316\u51fa\u73b0\u4e86\u660e\u663e\u7684\u8d8b\u52bf\uff0c\u8fd9\u5728\u5f88\u5927\u7a0b\u5ea6\u4e0a\u662f\u7531\u5148\u8fdb\u7684\u6280\u672f\u63a8\u52a8\u7684\u3002\n\u8fd9\u521b\u9020\u4e86\u4e00\u4e2a\u65b0\u7684\u4fdd\u9669\u751f\u6001\u7cfb\u7edf\uff0c\u8fd9\u662f\u8be5\u884c\u4e1a\u7684\u4efb\u4f55\u4eba\u90fd\u9700\u8981\u9002\u5e94\u7684\u4e8b\u60c5\u3002 <\/p>\n\n<p>\u5b89\u6c38-\u535a\u667a\u9686\u8463\u4e8b\u603b\u7ecf\u7406 <a href=\"https:\/\/www.propertycasualty360.com\/2021\/02\/09\/ecosystems-drive-growth-engage-clients-and-scale-business\/?slreturn=20210403151557\" target=\"_blank\" rel=\"noreferrer noopener\">Martin Spit<\/a> \u751a\u81f3\u6307\u51fa\uff0c\u56db\u5206\u4e4b\u4e09\u7684\u4fdd\u9669\u9ad8\u7ba1\u8ba4\u4e3a\u8fd9\u4e2a\u65b0\u7684\u751f\u6001\u7cfb\u7edf\u5bf9\u4e8e\u521b\u9020\u7ade\u4e89\u4f18\u52bf\u81f3\u5173\u91cd\u8981\u3002\n\u66f4\u5177\u4f53\u5730\u8bf4\uff0c\u627f\u8fd0\u5546\u5e94\u8be5\u5bfb\u6c42\u5728\u63d0\u4f9b\u4ea7\u54c1\u7684\u5730\u65b9\u5b9e\u73b0\u591a\u5143\u5316\u3002 <\/p>\n\n<p>\u800c\u4fdd\u9669\u4e1a\u7684\u73b0\u6709\u4f01\u4e1a\u4ee5\u53ca\u6b63\u5728\u8fdb\u5165\u8fd9\u4e00\u9886\u57df\u7684\u975e\u4fdd\u9669\u6570\u5b57\u4f01\u4e1a\uff0c\u5e94\u8be5\u4e13\u6ce8\u4e8e\u521b\u9020\u4e00\u4e2a\u76ee\u7684\u5730\uff0c\u800c\u4e0d\u4ec5\u4ec5\u662f\u4e00\u4e2a\u4ea7\u54c1\u3002\n\u8fd9\u4e2a\u76ee\u7684\u5730\u5e94\u8be5\u662f\u7a33\u5065\u7684\u3001\u9ad8\u5ea6\u4e2a\u6027\u5316\u7684\uff0c\u5e76\u4e14\u5bf9\u5ba2\u6237\u6765\u8bf4\u5145\u6ee1\u4ef7\u503c\u3002 <\/p>\n\n<p>\u6b64\u5916\uff0c\u8fd9\u4e9b\u516c\u53f8\u5fc5\u987b\u4e0d\u65ad\u5bfb\u627e\u65b0\u7684\u65b9\u6cd5\u6765\u52a0\u6df1\u5ba2\u6237\u5173\u7cfb\u548c\u589e\u5f3a\u5fe0\u8bda\u5ea6\uff0c\u4ee5\u63d0\u9ad8\u5ba2\u6237\u7ec8\u8eab\u4ef7\u503c\u3002<\/p>\n\n<p>\u505a\u597d\u8fd9\u4e9b\u5de5\u4f5c\uff0c\u5728\u6211\u4eec\u8fdb\u4e00\u6b65\u8fc8\u5411 21 \u4e16\u7eaa\u65f6\uff0c\u4ed6\u4eec\u5e94\u8be5\u5904\u4e8e\u826f\u597d\u72b6\u6001\u3002<\/p>\n\n<p><em>\u56fe\u7247\u6765\u81ea\uff1a lacheev\/\u00a9123RF.com\uff0c mavoimage\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u4f5c\u8005\uff1aJim Dwane Bolt \u9996\u5e2d\u6267\u884c\u5b98 \u6211\u4eec\u8d8a\u662f\u8fc8\u5165 21 \u4e16\u7eaa\uff0c\u6280\u672f\u5728\u4fdd\u9669\u4e1a\u4e2d\u7684\u4f5c\u7528\u5c31\u8d8a\u5927\u3002 \u5728\u4fdd\u9669 [&hellip;]<\/p>\n","protected":false},"featured_media":9902,"template":"","insight-category":[],"class_list":["post-19139","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/insight\/19139","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/insight"}],"about":[{"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/types\/insight"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/media\/9902"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/media?parent=19139"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/insight-category?post=19139"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}