{"id":19276,"date":"2024-09-20T08:47:48","date_gmt":"2024-09-20T13:47:48","guid":{"rendered":"https:\/\/bolttech.io\/insight\/%e4%bf%9d%e9%9a%aa%e5%88%86%e9%8a%b7%e9%a0%98%e5%9f%9f%e7%99%bc%e7%94%9f%e7%9a%842%e5%80%8b%e9%97%9c%e9%8d%b5%e8%ae%8a%e5%8c%96\/"},"modified":"2024-09-20T08:47:48","modified_gmt":"2024-09-20T13:47:48","slug":"%e4%bf%9d%e9%9a%aa%e5%88%86%e9%8a%b7%e9%a0%98%e5%9f%9f%e7%99%bc%e7%94%9f%e7%9a%842%e5%80%8b%e9%97%9c%e9%8d%b5%e8%ae%8a%e5%8c%96","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/zh-hant\/insights\/%e4%bf%9d%e9%9a%aa%e5%88%86%e9%8a%b7%e9%a0%98%e5%9f%9f%e7%99%bc%e7%94%9f%e7%9a%842%e5%80%8b%e9%97%9c%e9%8d%b5%e8%ae%8a%e5%8c%96\/","title":{"rendered":"\u4fdd\u96aa\u5206\u92b7\u9818\u57df\u767c\u751f\u76842\u500b\u95dc\u9375\u8b8a\u5316"},"content":{"rendered":"\n<p><strong>\u4f5c\u8005\uff1aJim Dwane<\/strong> <strong>Bolt \u9996\u5e2d\u57f7\u884c\u5b98<\/strong><\/p>\n\n<p>\u6211\u5011\u8d8a\u662f\u9081\u5165 21 \u4e16\u7d00\uff0c\u6280\u8853\u5728\u4fdd\u96aa\u696d\u4e2d\u7684\u4f5c\u7528\u5c31\u8d8a\u5927\u3002<\/p>\n\n<p>\u5728\u4fdd\u96aa\u79d1\u6280\u9818\u57df\u7684\u6295\u8cc7\u5f9e2003\u5e74\u76843\u5104\u7f8e\u5143\u589e\u52a0\u52302019\u5e74\u7684\u9a5a\u4eba\u768458\u5104\u7f8e\u5143\uff0c\u9ea5\u80af\u932b\u516c\u53f8\u7684\u9867\u554f <a href=\"https:\/\/www.mckinsey.com\/industries\/financial-services\/our-insights\/the-multi-access-r-evolution-in-insurance-sales\" target=\"_blank\" rel=\"noreferrer noopener\">\u9081\u514b\u723e\u00b7\u514b\u52de\u65af<\/a>\u5beb\u9053\u3002\n\u9019\u4e00\u7d71\u8a08\u6578\u64da\u5b8c\u7f8e\u5730\u8aaa\u660e\u4e86\u4fdd\u96aa\u6280\u8853\u7684\u767c\u5c55\uff0c\u4e26\u986f\u793a\u4e86\u5b83\u5728\u76f8\u5c0d\u8f03\u77ed\u7684\u6642\u9593\u5167\u53d6\u5f97\u4e86\u591a\u5927\u7684\u9032\u6b65\u3002 <\/p>\n\n<p>\u8d8a\u4f86\u8d8a\u591a\u7684\u4fdd\u96aa\u516c\u53f8\u548c\u5ba2\u6236\u6b63\u5728\u63a1\u7528\u6578\u4f4d\u7ba1\u9053\uff0c\u4fdd\u96aa\u7684\u8cb7\u8ce3\u65b9\u5f0f\u4e5f\u767c\u751f\u4e86\u5feb\u901f\u8b8a\u5316\u3002\n\u5b83\u9084\u5275\u9020\u4e86\u4e00\u7a2e\u9078\u64c7\u7684\u6c11\u4e3b\u5316\uff0c\u4e26\u4ee5\u5169\u7a2e\u4e3b\u8981\u65b9\u5f0f\u63d0\u9ad8\u4e86\u6d88\u8cbb\u8005\u7684\u671f\u671b\u3002 <\/p>\n\n<h2 class=\"wp-block-heading\">\u627f\u904b\u5546\u73fe\u5728\u63d0\u4f9b\u771f\u6b63\u7684\u9078\u64c7<\/h2>\n\n<p>\u9577\u671f\u4ee5\u4f86\uff0c\u5f9e\u5206\u92b7\u7684\u89d2\u5ea6\u4f86\u770b\uff0c\u4fdd\u96aa\u662f\u4e00\u500b\u76f8\u7576\u96d9\u908a\u7684\u72f9\u7a84\u884c\u696d\u3002\n\u4fdd\u96aa\u5ba2\u6236\u5927\u591a\u901a\u904e\u4ee3\u7406\u5546\u8cfc\u8cb7\u7522\u54c1\u3002 <\/p>\n\n<p>\u9019\u610f\u5473\u8457\u5ba2\u6236\u5728\u8cfc\u8cb7\u904e\u7a0b\u4e2d\u5e7e\u4e4e\u6c92\u6709\u5f71\u97ff\u529b\u3002\n\u5ba2\u6236\u6703\u53bb\u627e\u4ee3\u7406\u5546\u627e\u4fdd\u96aa\uff0c\u4ee3\u7406\u5546\u6703\u5411\u4ed6\u5011\u51fa\u552e\u4fdd\u96aa\u55ae\uff0c\u5ba2\u6236\u5fc5\u9808\u76f8\u4fe1\u4ed6\u5011\u5f97\u5230\u4e86\u6700\u597d\u7684\u7522\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\">\u5f9e 1993 \u5e74\u958b\u59cb<\/a>\uff0c\u7576 Progressive \u958b\u59cb\u63d0\u4f9b\u6bd4\u8f03\u532f\u7387\u6642\uff0c\u4ed6\u5011\u6c38\u9060\u6539\u8b8a\u4e86\u904a\u6232\u898f\u5247\u3002\n\u9019\u5728\u4fdd\u96aa\u5ba2\u6236\u4e2d\u5ee3\u53d7\u6b61\u8fce\u3002\n\u4e8b\u5be6\u4e0a\uff0c\u6839\u64da <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2020-us-insurance-shopping-study\" target=\"_blank\" rel=\"noreferrer noopener\">JD Power<\/a> \u7684\u6578\u64da\uff0c\u5f9e 2019 \u5e74 4 \u6708\u5230 2020 \u5e74 4 \u6708\uff0cProgressive \u548c GEICO \u9019\u5169\u5bb6\u5c08\u6ce8\u65bc\u6bd4\u8f03\u8cfc\u7269\u7684\u4e3b\u8981\u4fdd\u96aa\u516c\u53f8\u5408\u8a08\u5360\u4fdd\u8cbb\u589e\u9577\u7684 92%\u3002  <\/p>\n\n<p>\u5ba2\u6236\u73fe\u5728\u4e0d\u5fc5\u76f8\u4fe1\u4ee3\u7406\u4eba\u8aaa\u4ed6\u5011\u5f97\u5230\u4e86\u6700\u597d\u7684\u4fdd\u96aa\uff0c\u800c\u662f\u53ef\u4ee5\u4e26\u6392\u6bd4\u8f03\u4f86\u81ea\u4e0d\u540c\u4f9b\u61c9\u5546\u7684\u591a\u500b\u4fdd\u55ae\uff0c\u4e26\u78ba\u5b9a\u4ed6\u5011\u5f97\u5230\u4e86\u5f88\u591a\u512a\u60e0\u3002\n\u8a72\u6a21\u578b\u9084\u5141\u8a31\u4ed6\u5011\u770b\u5230\u4fdd\u55ae\u4e4b\u9593\u7684\u7d30\u5fae\u5dee\u5225\uff0c\u4e26\u63d0\u9ad8\u4ed6\u5011\u5c0d\u6240\u8cfc\u8cb7\u7522\u54c1\u7684\u6574\u9ad4\u4e86\u89e3\u6c34\u6e96\u3002 <\/p>\n\n<p>\u9019\u662f\u4fdd\u96aa\u6c11\u4e3b\u5316\u7684\u4e00\u7a2e\u5f62\u5f0f\u2014\u2014\u4fdd\u96aa\u516c\u53f8\u63d0\u4f9b\u9078\u64c7\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;&#x8F15;&#x7537;&#x6027;&#x4F01;&#x696D;&#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\">\u92b7\u552e\u9ede\u4fdd\u96aa\u7684\u6f14\u8b8a<\/h2>\n\n<p>\u5c0d\u4fdd\u96aa\u6c11\u4e3b\u5316\u505a\u51fa\u91cd\u5927\u8ca2\u737b\u7684\u53e6\u4e00\u500b\u91cd\u5927\u8b8a\u5316\u662f\u6280\u8853\u985b\u8986\u3002\n\u4fdd\u96aa\u754c\u4ee5\u5916\u7684\u5275\u65b0\u8005\u5df2\u7d93\u958b\u59cb\u92b7\u552e P&amp;C \u4fdd\u96aa\uff0c\u4e26\u53d6\u5f97\u4e86\u771f\u6b63\u7684\u6210\u529f\u3002 <\/p>\n\n<p>\u76f4\u5230\u6700\u8fd1\uff0c\u92b7\u552e\u9ede\u4fdd\u96aa\u66f4\u591a\u5730\u4ee5\u6f5b\u5728\u5ba2\u6236\u751f\u6210\u7684\u65b9\u5f0f\u57f7\u884c\u3002\n\u4f8b\u5982\uff0c\u5982\u679c\u5ba2\u6236\u6b63\u5728\u8cfc\u8cb7\u6c7d\u8eca\uff0c\u4ed6\u5011\u53ef\u4ee5\u7576\u5834\u7372\u5f97\u6c7d\u8eca\u4fdd\u96aa\u5831\u50f9\u3002\n\u9019\u4e5f\u662f\u6709\u9053\u7406\u7684\u3002  <\/p>\n\n<p>\u4f46\u6211\u5011\u73fe\u5728\u6b63\u8655\u65bc\u4e00\u500b\u968e\u6bb5\uff0c\u5b83\u4e0d\u518d\u53ea\u662f\u4fdd\u96aa\u516c\u53f8\u548c\u4fdd\u96aa\u4ee3\u7406\u4eba\u7684\u8077\u8cac\u3002\n\u73fe\u5728\uff0c\u975e\u4fdd\u96aa\u516c\u53f8\u80fd\u5920\u5c07\u4fdd\u96aa\u7522\u54c1\u6dfb\u52a0\u5230\u5176\u73fe\u6709\u7522\u54c1\u4e2d\u3002\n\u5546\u696d\u6a21\u5f0f\u8f49\u578b\u5c08\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\u91cb\u8aaa\uff0c\u9019\u88ab\u7a31\u70ba\u5d4c\u5165\u5f0f\u4fdd\u96aa\uff0c\u6d89\u53ca\u201c\u5c07\u4fdd\u96aa\u529f\u80fd\u62bd\u8c61\u70ba\u6280\u8853\uff0c\u4f7f\u4efb\u4f55\u9818\u57df\u7684\u4efb\u4f55\u7b2c\u4e09\u65b9\u7522\u54c1\u6216\u670d\u52d9\u63d0\u4f9b\u8005\u6216\u958b\u767c\u5546\u80fd\u5920\u5c07\u5275\u65b0\u7684\u4fdd\u96aa\u89e3\u6c7a\u65b9\u6848\u7121\u7e2b\u96c6\u6210\u5230\u4ed6\u5011\u7684\u5ba2\u6236\u4e3b\u5f35\u548c\u9ad4\u9a57\u4e2d\u201d\u3002  <\/p>\n\n<p>\u4e00\u500b\u5f88\u597d\u7684\u4f8b\u5b50\uff1a\u91d1\u878d\u516c\u53f8 NerdWallet \u63d0\u4f9b\u6709\u95dc\u9078\u64c7\u4fdd\u96aa\u7bc4\u570d\u7684\u6709\u7528\u5efa\u8b70\uff0c\u4f75\u70ba\u6d88\u8cbb\u8005\u63d0\u4f9b\u7b26\u5408\u5176\u7368\u7279\u9700\u6c42\u7684\u4fdd\u55ae\u3002\n\u5c0d\u65bc NerdWallet \u4f86\u8aaa\uff0c\u6b64\u7522\u54c1\u70ba\u5ba2\u6236\u65c5\u7a0b\u589e\u52a0\u4e86\u50f9\u503c\u3002 <\/p>\n\n<p>\u6700\u91cd\u8981\u7684\u662f\uff0c\u4fdd\u96aa\u516c\u53f8\u4e0d\u50c5\u6709\u6a5f\u6703\u92b7\u552e\u4fdd\u96aa\uff0c\u800c\u4e14\u6709\u6a5f\u6703\u6210\u70ba\u5176\u7522\u54c1\u8cfc\u8cb7\u9ad4\u9a57\u7684\u76ee\u7684\u5730\u3002\n\u9452\u65bc\u50cf Torrance \u9019\u6a23\u7684\u5c08\u5bb6\u9810\u6e2c\u5d4c\u5165\u5f0f\u4fdd\u96aa\u5c07\u64c1\u6709 3 \u842c\u5104\u7f8e\u5143\u7684\u5e02\u5834\u6a5f\u6703\uff0c\u5f88\u5bb9\u6613\u7406\u89e3\u70ba\u4ec0\u9ebc\u9019\u9ebc\u591a\u516c\u53f8\u90fd\u6e34\u671b\u52a0\u5165\u3002 <\/p>\n\n<h2 class=\"wp-block-heading\">\u9069\u61c9\u65b0\u7684\u4fdd\u96aa\u751f\u614b\u7cfb\u7d71<\/h2>\n\n<p>\u8fd1\u5e74\u4f86\uff0c\u4fdd\u96aa\u696d\u7684\u6c11\u4e3b\u5316\u51fa\u73fe\u4e86\u660e\u986f\u7684\u8da8\u52e2\uff0c\u9019\u5728\u5f88\u5927\u7a0b\u5ea6\u4e0a\u662f\u7531\u5148\u9032\u7684\u6280\u8853\u63a8\u52d5\u7684\u3002\n\u9019\u5275\u9020\u4e86\u4e00\u500b\u65b0\u7684\u4fdd\u96aa\u751f\u614b\u7cfb\u7d71\uff0c\u9019\u662f\u8a72\u884c\u696d\u7684\u4efb\u4f55\u4eba\u90fd\u9700\u8981\u9069\u61c9\u7684\u4e8b\u60c5\u3002 <\/p>\n\n<p>\u5b89\u6c38-\u535a\u667a\u9686\u8463\u4e8b\u7e3d\u7d93\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\u96aa\u9ad8\u7ba1\u8a8d\u70ba\u9019\u500b\u65b0\u7684\u751f\u614b\u7cfb\u7d71\u5c0d\u65bc\u5275\u9020\u7af6\u722d\u512a\u52e2\u81f3\u95dc\u91cd\u8981\u3002\n\u66f4\u5177\u9ad4\u5730\u8aaa\uff0c\u627f\u904b\u5546\u61c9\u8a72\u5c0b\u6c42\u5728\u63d0\u4f9b\u7522\u54c1\u7684\u5730\u65b9\u5be6\u73fe\u591a\u5143\u5316\u3002 <\/p>\n\n<p>\u800c\u4fdd\u96aa\u696d\u7684\u73fe\u6709\u4f01\u696d\u4ee5\u53ca\u6b63\u5728\u9032\u5165\u9019\u4e00\u9818\u57df\u7684\u975e\u4fdd\u96aa\u6578\u5b57\u4f01\u696d\uff0c\u61c9\u8a72\u5c08\u6ce8\u65bc\u5275\u9020\u4e00\u500b\u76ee\u7684\u5730\uff0c\u800c\u4e0d\u50c5\u50c5\u662f\u4e00\u500b\u7522\u54c1\u3002\n\u9019\u500b\u76ee\u7684\u5730\u61c9\u8a72\u662f\u7a69\u5065\u7684\u3001\u9ad8\u5ea6\u500b\u6027\u5316\u7684\uff0c\u4e26\u4e14\u5c0d\u5ba2\u6236\u4f86\u8aaa\u5145\u6eff\u50f9\u503c\u3002 <\/p>\n\n<p>\u6b64\u5916\uff0c\u9019\u4e9b\u516c\u53f8\u5fc5\u9808\u4e0d\u65b7\u5c0b\u627e\u65b0\u7684\u65b9\u6cd5\u4f86\u52a0\u6df1\u5ba2\u6236\u95dc\u4fc2\u548c\u589e\u5f37\u5fe0\u8aa0\u5ea6\uff0c\u4ee5\u63d0\u9ad8\u5ba2\u6236\u7d42\u8eab\u50f9\u503c\u3002<\/p>\n\n<p>\u505a\u597d\u9019\u4e9b\u5de5\u4f5c\uff0c\u5728\u6211\u5011\u9032\u4e00\u6b65\u9081\u5411 21 \u4e16\u7d00\u6642\uff0c\u4ed6\u5011\u61c9\u8a72\u8655\u65bc\u826f\u597d\u72c0\u614b\u3002<\/p>\n\n<p><em>\u5716\u7247\u4f86\u81ea\uff1a lacheev\/\u00a9123RF.com\uff0c mavoimage\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u4f5c\u8005\uff1aJim Dwane Bolt \u9996\u5e2d\u57f7\u884c\u5b98 \u6211\u5011\u8d8a\u662f\u9081\u5165 21 \u4e16\u7d00\uff0c\u6280\u8853\u5728\u4fdd\u96aa\u696d\u4e2d\u7684\u4f5c\u7528\u5c31\u8d8a\u5927\u3002 \u5728\u4fdd\u96aa [&hellip;]<\/p>\n","protected":false},"featured_media":9903,"template":"","insight-category":[],"class_list":["post-19276","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/insight\/19276","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/insight"}],"about":[{"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/types\/insight"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/media\/9903"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/media?parent=19276"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/insight-category?post=19276"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}