JP2020095295A - Insurance sales method, and insurance sales program - Google Patents

Abstract

To provide an insurance sales method, an insurance sales program, and an insurance contract system capable of reducing an amount of insurance in a petty insurance.SOLUTION: An insurance sales system 1 comprises: a primary insurance contract step of contracting a primary contract insurance between an insurance intermediary company 3 and an underwriting company 2; a setup step of setting up subdivided insurances by subdividing the primary contract insurance; a subdivided insurance recruiting step of recruiting multiple applicants who contract for the subdivided insurances through communication terminals connected to a telecommunication line; and a subdivided insurance contracting step of contracting the subdivided insurances between respective insurance subscribers who are the multiple applicants and the insurance intermediary company through the communication terminals.SELECTED DRAWING: Figure 3

Description

INDUSTRIAL APPLICABILITY The present invention is suitable for application to, for example, an insurance sales method and an insurance sales program in which a large insurance contract can be divided and sold.

Conventionally, an insurance underwriting company and an insured person generally conclude an insurance contract between two parties (for example, refer to Patent Document 1). That is, as shown in FIG. 1, in the conventional insurance sales system 101, the insurance underwriting company 102 and the insured person 105 conclude an insurance contract, and the insurance policy IC is issued and mailed for each insured person 105. The agency 103 only supports this contract, and the insurance underwriting company handles all the sending of insurance application forms, contracts, and issuing of insurance policies.

In addition, the same applies when a target case for compensation such as damage or injury actually occurs, and under the support (intermediary) of the agent 103, procedures such as application for claim of insurance payment and transfer of money are covered by insurance. It is performed between the underwriting company 102 and the insured person 105.

JP 2001-283033 A

However, the insurance underwriting company has signed and registered insurance contracts as many as the number of insured persons, mailed the insurance policy, confirmed the insured person in the event of a compensation case, and responded in various ways. Since it is necessary to manage each of these individually, the insurance contract fee will be added by the management cost. For this reason, there has been a problem that the amount of insurance is high in small-lot insurance, which is targeted especially for small businesses and individuals.

The present invention has been made to solve such a problem, and an object thereof is to provide an insurance sales method, an insurance sales program, and an insurance contract system that can reduce the insurance amount in small-lot insurance.

In order to solve such a problem, the insurance sales method of the present invention is
A primary insurance contract step of contracting primary insurance between an insurance intermediary company and an underwriting company,
A setting step for setting a subdivided insurance in which the main contract insurance is subdivided into a plurality of;
A subdivision insurance recruiting step of recruiting a plurality of applicants who contract the subdivision insurance through a communication terminal connected to a telecommunication line,
And a subdivided insurance contract step of contracting the subdivided insurance between the insurance subscriber and the insurance intermediary company through the communication terminal.

In the insurance sales program,
A recruiting step of recruiting a plurality of applicants who contract a subdivided insurance set based on the primary contract insurance contracted between the insurance intermediary company and the insurance underwriting company;
Performing a subdivision insurance contract step of contracting the subdivision insurance between the insurance subscriber and the insurance intermediary company with the plurality of applicants as insurance subscribers when a predetermined contract establishment condition is satisfied. Is characterized by.

In the insurance contract system, a primary insurance contract step of contracting a primary contract insurance between the insurance intermediary company and the insurance underwriting company with the insurance intermediary company as the insured,
A subdivided insurance contract step of recruiting a subdivided insurance insurance subscriber who has subdivided the main insurance through a communication terminal connected to an electric communication line, and contracting the subdivided insurance between the subscriber and the insurance intermediary company; ,
An insurance claim step in which the insurance intermediary company charges the insurance underwriter for payment of insurance money in response to a request from the insurance subscriber.

INDUSTRIAL APPLICABILITY The present invention can realize an insurance sales method, an insurance sales program, and an insurance contract system that can reduce the insurance amount in small-lot insurance.

It is an approximate line figure showing composition (1) of the conventional insurance contract system. It is an approximate line figure showing composition (2) of the conventional insurance contract system. It is an approximate line figure showing composition (1) of an insurance contract system of this embodiment. It is an approximate line figure showing composition (2) of an insurance contract system of this embodiment. It is a flowchart which shows the insurance sales method. It is a block diagram which shows the structure of a system server. It is a flow chart which shows subdivision insurance offer processing.

Embodiments for carrying out the present invention will be described below with reference to the drawings.

<Embodiment>
1 shown in FIG. 1 shows the insurance sales system as a whole. In the insurance sales system 1, the insurance underwriting company 2 concludes a large-scale contract insurance contract with the insurance intermediary company 3. In addition, in this specification, large-scale insurance means insurance for large-scale businesses and individuals (generally, annual insurance charge is 1 million yen or more, preferably 3 million yen or more), and is called small insurance. Refers to small businesses and individuals (generally, the annual insurance fee is less than 1 million yen, preferably less than 500,000 yen).

Main contract insurance is, for example, “250 restaurants with a store area of 10 to 100 square meters per store” and “250 fresh food stores with annual sales of 10 to 30 million yen per store” There is a range of insured persons such as industry and conditions, scale, number of stores, etc. such as “up to”, and compensation and insurance amount are set according to the contents of the insured person range. The timing at which the insurance intermediary company 3 makes a contract with the subcontracting insurance is arbitrary. For example, a temporary contract may be concluded before the subdivided insurance is solicited, and the subcontracting insurance may be established to make the main contract. If the insurance is not established, it may be canceled. It is also possible to make this contract with the establishment of subdivided insurance without making a provisional contract.

Here, the case where the insurance contracting company 2 and the insurance intermediary company 3 conclude the contract of the main contract insurance of 5 million yen will be described as an example. The amount of money and the number of units are fictitious to make the explanation easy to understand. Main contract insurance is significantly discounted compared to subdivided insurance because the management costs for the insured can be significantly reduced.

The insurance intermediary company 3 designs subdivided insurance based on the contract of the prime contract insurance. For example, the main contract insurance is divided into 250 units. That is, the actual insurance premium actually paid to the insurance underwriting company 2 is 20,000 yen per unit. Set up a subdivided insurance amount by adding recruitment and management costs. For example, the subdivided insurance amount is set to 25,000 yen. Since this subdivision insurance is a division of one principal contract insurance, the start date and the end date of the insurance, the compensation item and the amount of money, etc. are set in advance, and it is not possible to change or add options. However, by dividing the primary insurance, it is possible to reduce the subdivided insurance amount as compared with general insurance that directly concludes a contract with the insurance underwriting company 2.

The insurance intermediary company 3 recruits applicants who desire a contract for subdivision insurance on, for example, a dedicated website on the Internet. Applicants specify the number of contracts from a dedicated website and apply for contract applicants for subdivided insurance over the Internet. At this time, the upper limit number of offers and the lower limit number of offers and the deadline for application are set. The upper limit is 250 and the lower limit is 210. For subdivided insurance, application restriction conditions are set according to the contract contents of the main insurance (range of insured). Only insureds who meet this application restriction condition can apply for contract applicants.

The work of confirming whether or not the proof of identity and the application restriction conditions are satisfied (self-report and document submission, etc.) may be performed at the time of application or after the contract is concluded. For example, at the time of application, self-declaration of application restriction conditions is performed, and documents are submitted (uploading or sending by e-mail etc.) after the contract is concluded to reduce the hurdles to application and simplify the management of customer information. be able to. On the other hand, for example, by performing a document confirmation work by submitting a document (uploading, sending an e-mail, etc.) at the time of application, it is possible to reduce the probability of cancellation occurring after the contract is concluded.

If the total number of contracts designated by the applicant does not reach the minimum number of offers (210 units) even after the deadline for application has passed, the insurance intermediary company 3 determines that the contract has not been established and notifies the applicant by email. Etc. On the other hand, the insurance intermediary company 3 concludes the contract if the total number of contracted units designated by the applicant is equal to or more than the lower limit number of solicitation units (210 units) when the application deadline has passed. Further, regardless of the deadline for application, the insurance intermediary company 3, when the total number of contracted units designated by the applicant reaches the upper limit number of recruited units (250 units), concludes the contract and ends the recruitment of contract applicants. .. In addition, by displaying the remaining number of applicants that can be applied on the dedicated website in advance during recruitment, the application status will be clear, and you will know that you are not satisfied when you are not satisfied or that you have insufficient numbers after entering information for application. It is possible to make it difficult to cause complaints such as.

Payment is made on the Internet using electronic payment such as a credit card. The timing of payment is not particularly limited, but for example, payment is made when the application is completed, and if the contract is not established, the payment is canceled or refunded, or credit card information is entered at the time of application and the contract is made. Payment can be made at the same time as the contract is established, or payment can be made again after the contract is established.

That is, the applicant contracts with the insurance intermediary company 3 as the insurance subscriber 5. The insurance intermediary company 3 issues a subscriber certificate CN to the insurance subscriber 5. The insurance underwriting company 2 does not issue insurance policy to the insurance subscriber 5.

As shown in FIG. 4, the insurance underwriting company 2 requests the insurance money to be paid by the insurance intermediary company 3. That is, the insurance subscriber 5 requests the insurance intermediary company 3 to make a claim for payment of insurance money for the damage target case (hereinafter referred to as "claim for damage insurance money"). When the insurance subscriber 5 makes a claim for non-life insurance claims, the insurance intermediary company 3 checks the contract details with the insurance subscriber 5 by collating the subscriber certificate CN and the customer management DB.

The insurance intermediary company 3 makes an insurance claim payment request (hereinafter referred to as an intermediary insurance claim) to the insurance underwriting company 2 based on the confirmed contract content. At this time, the insurance intermediary company 3 designates a payee account such as a bank account of the insurance subscriber 5 as an insurance payment account. Therefore, the insurance money is paid from the insurance underwriting company 2 directly to the insurance subscriber 5. That is, the insurance underwriting company 2 gives the insurance subscriber 5 the same procedure as a normal insurance claim that only pays an insurance claim to a designated payee account, in accordance with an intermediary insurance claim by the insurance intermediary company. Insurance payment can be made.

As described above, in the insurance sales system 1, the insurance intermediary company 3 can sell the prime contract insurance as subdivided insurance by soliciting and managing the insurance subscribers 5 and requesting the intermediary insurance money. Further, by recruiting insurance subscribers 5 via the Internet and conducting all contract-related exchanges on the Internet, the management cost can be significantly reduced. In addition, if the total number of contracts designated by the applicant is less than the minimum number of solicitations, the contract will not be established, and there is no risk that insurance subscribers 5 will not fully gather. It is possible to reduce it to the limit.

Next, the insurance sales method RT1 will be described with reference to the flowchart of FIG.

In step S11, the subdivision insurance is designed, and the subdivision insurance amount, the compensation start date, the compensation period, the application restriction condition, the application deadline, the lower limit number of offers, the upper limit of the number of offers, etc. are set as the offer setting. This recruitment setting is set in the system server 4 by the operation input of the intermediary administrator.

In step S12, a subdivision insurance solicitation process S12 is executed. The subdivision insurance solicitation process S12 will be described later.

In step S13, it is determined whether or not the subdivision insurance contract can be established. When the contract is established, the insurance policy of the prime contract insurance policy is issued in step S14, the prime contract insurance policy is activated from the compensation start date, and the insurance selling method RT1 is ended in the ending step.

If the contract is not established in step S13, the procedure proceeds to the ending step and the insurance selling method RT1 is ended.

Next, the subdivision insurance solicitation process S12 will be described with reference to the flowchart of FIG. The subdivision insurance solicitation process S12 is executed by the system server 4 owned by the insurance intermediary company 3.

As shown in FIG. 6, in the system server 4, a control unit 41 including a CPU (Central Processing Unit), a ROM (Read Only Memory), and a RAM (Random Access Memory) controls the entire system server 4 as a whole. However, the subdivision insurance solicitation processing is executed according to the subdivision insurance solicitation program stored in advance in the ROM. The storage unit 45 stores a customer management database (hereinafter, the database is abbreviated as DB). The display unit 44 is not essential in the system server 4.

The control unit 41 of the system server 4 starts the subdivision insurance solicitation process S12 when the start of the sales start program is instructed according to the operation input of the user in the state where the subdivision insurance is set, and the next step Move to S21. Specifically, the application settings for the targeted subdivision insurance will be posted on the dedicated website for the subdivision insurance, and the acceptance of applications by the applicants will start.

In step S21, the control unit 41 periodically determines whether or not the application deadline has expired while monitoring the application acceptance status. If a positive result is obtained here, the control unit 41 moves to the next step S31. On the other hand, when a negative result is obtained, the control unit 41 continues to monitor the application acceptance status, and proceeds to the next step S22.

In step S22, when there is an application for the dedicated website via the applicant terminal 6 connected to the Internet, the control unit 41 requests the applicant terminal 6 to input applicant information. The applicant information includes information corresponding to the applicant restriction condition, information about the applicant such as the location and owner of the store or the like to be compensated, a person in charge, a contact telephone number and an email address, and the like. If the applicant has already registered part of the applicant information by account registration, the input of the registered information can be omitted. When the applicant information is supplied by the operation input of the applicant, the control unit 41 proceeds to the next step S23.

In step S23, the control unit 41 determines, based on the entered applicant information, whether the applicant's condition satisfies the application restriction condition. It is also determined at the same time whether or not the maximum number of applicants will be exceeded when the number of applicants specified is added. When a negative result is obtained here, this means that the applicant cannot apply for the subdivided insurance being solicited, and at this time, the control unit 41 notifies the applicant to that effect and returns to step S21. Continue to monitor application acceptance status.

On the other hand, when a positive result is obtained in step S23, this means that the applicant is eligible as an insured person, and at this time, the control unit 41 proceeds to the next step S24. In step 24, the control unit 41 registers the applicant information in the customer management DB and notifies the applicant that the application has been accepted, upon which the procedure goes to step S25.

In step S25, the control unit 41 confirms the applied number of applications that have been accepted so far, and determines whether or not the applied number of applications has reached the maximum number of offers. If a negative result is obtained here, the control unit 41 returns to step S21 and continues to monitor the application acceptance status.

On the other hand, when an affirmative result is obtained in step S25, the control unit 41 moves to the next step S26, finishes the solicitation of subdivided insurance and displays the fact on the dedicated website, and then moves to the next step S27. ..

When an affirmative result is obtained in step S21, the control section 41 has passed the deadline for application, so in step S31, when the application for the subdivision insurance is ended and the fact is displayed on the dedicated website, the process proceeds to the next step S32. ..

In step S32, the control unit 41 confirms the number of applications completed and determines whether the number of applications completed has reached the lower limit of offering. If a positive result is obtained here, the control unit 41 moves to the next step S27. On the other hand, if a negative result is obtained in step S32, the control section 41 moves to the next step S33.

In step S33, the control unit 41 recognizes that the subdivision insurance contract is not established, and moves to the next step S34.

In step S34, the control unit 41 displays the fact on the dedicated website as a contract failure process associated with the contract failure, and notifies the applicant by mail or the like. In addition, the contract failure is registered in the customer information DB. As a result, the contract failure is registered in the applicant's account. Then, the control unit 41 moves to the end step, ends the subdivision insurance solicitation processing, and returns to step 13 (FIG. 5).

On the other hand, if the applied number of shares reaches the upper limit of the number of offers in step S25 or reaches the lower limit of the number of offers at the time when the application deadline expires in step 32, the control unit 41 moves to step S27. The recognition of subdivision insurance is recognized, and the process proceeds to the next step S28.

In step S28, the control unit 41 displays a message to that effect on a dedicated website and notifies the applicant of that fact by e-mail or the like, as a contract conclusion process associated with the conclusion of the contract. Also, the contract establishment is registered in the customer information DB. As a result, the contract is registered in the applicant's account. In addition, when payment processing and document submission requests are executed as necessary, and when the contract between the insurance intermediary company 3 and the insurance subscriber 5 is completed, a subscriber ID certifying the insurance participation is sent by mail or download. It is supplied to the applicant terminal 6 as data by the above.

Then, the control unit 41 moves to the end step, ends the subdivision insurance solicitation processing, and returns to step 13 (FIG. 5).

<Operation and effect>
The features of the invention group extracted from the above-described embodiments will be described below, showing effects and the like as necessary. It should be noted that, in the following, for ease of understanding, the configuration corresponding to each of the above-described embodiments is appropriately shown in parentheses or the like, but is not limited to the specific configuration shown in brackets or the like. The meanings and examples of the terms described in each feature may be applied as the meanings and examples of the terms described in other features described in the same wording.

In the insurance sales method of the present invention, a setting step of setting subdivided insurance in which the main contract insurance contracted between the insurance intermediary company (insurance intermediary company 3) and the insurance underwriting company (insurance underwriting company) is subdivided.
A subdivision insurance recruiting step for recruiting a plurality of applicants who contract the subdivision insurance through a communication terminal (system server 4) connected to an electric communication line (Internet);
A plurality of applicants are insurance subscribers (insurance subscriber 5), and a subdivision insurance contract step of contracting the subdivision insurance between the insurance subscriber and an insurance intermediary company through the communication terminal. To do.

As a result, in the insurance selling method, large-scale insurance with a high discount rate can be sold as small-lot insurance to small businesses and individuals, so that inexpensive small-lot insurance can be provided. In addition, by contracting for outsourced insurance with the insurance intermediary company as the insured, only one copy of the insurance policy needs to be issued, and it is possible to significantly reduce costs.

In the insurance sales method, in the subdivision insurance contract step,
The insurance brokerage company sends a subscriber certificate certifying a contract for subdivided insurance with the insurance subscriber to the insurance subscriber through the communication terminal.

As a result, the work related to the contract can be completed only by exchanging data with the insurance subscribers, so the cost required for mailing can be reduced compared to the conventional method of mailing insurance policies to all insured people. Can be reduced.

In the insurance sales method, in the subdivision insurance solicitation step,
Having a lower limit for application and an application deadline set based on the main contract insurance,
It is characterized in that the insurance contract step is executed only when the application lower limit condition is exceeded when the application deadline has passed.

This eliminates the risk of having to contract for large insurance even if the number of applicants is small, so the recruitment cost can be significantly reduced.

In the insurance sales method, in the subdivision insurance solicitation step,
It has an upper limit of recruitment conditions set based on the main contract insurance,
It is characterized in that the recruitment of the plurality of applicants is terminated when the recruitment upper limit condition is reached.

This makes it easy to determine the range of contract insurance to be contracted, and it is possible to design an appropriate subdivision insurance.

In the insurance sales method, in the subdivision insurance solicitation step,
Have the plurality of applicants enter contractor information and payment information through the communication terminal,
In the subdivision insurance contract step,
It is characterized in that the subdivision insurance contract is automatically established when a preset application deadline has passed.

As a result, the number of applicants who cancel the contract despite the contract being established can be reduced, and the recruitment cost can be reduced.

In the insurance sales program, the computer (system server 4)
A recruiting step of recruiting a plurality of applicants who contract a subdivision insurance set based on the primary contract insurance contracted between the insurance intermediary company and the insurance underwriting company;
When the prescribed contract conditions are met (attainment of the minimum number of offers and passage of the application deadline, or attainment of the maximum number of offers), the plurality of applicants are defined as insurance subscribers, and the insurance subscribers and the insurance intermediary. And a subdivision insurance contract step of contracting the subdivision insurance with a company.

As a result, insurance subscribers for subdivided insurance can be solicited through the telecommunication line, so that solicitation cost can be reduced.

In the insurance contract system, a primary insurance contract step of contracting a primary insurance with the insurance intermediary company and the insurance underwriting company as the insured person,
A subdivided insurance contract step of recruiting a subdivided insurance insurance subscriber who subdivides the main insurance into a plurality of subdivisions through a communication terminal connected to a telecommunication line, and contracting the subdivided insurance between the subscriber and the insurance intermediary company; ,
An insurance claim step in which the insurance intermediary company charges the insurance underwriter for payment of insurance money in response to a request from the insurance subscriber.

As a result, the insurance underwriting company only needs to perform the same processing as a conventional large-scale insurance contract, such as issuing an insurance policy to an insurance intermediary company and accepting an insurance payment request from the insurance intermediary company. Large-scale insurance can be sold for small-lot insurance.

<Other Embodiments>
It should be noted that in the above-described embodiment, the primary contract insurance is contracted with a predetermined amount of money, but it is not limited thereto. For example, the insurance company 5 and the insurance intermediary company 3 may determine the range of the number of applicants or the amount of money in advance and contract the primary insurance according to the amount or the total number of the insurance subscribers 5 designated. May be. As a result, it is possible to eliminate the surplus amount of the original contract and reduce the amount of subdivided insurance.

In the above-mentioned embodiment, the prime contract insurance is equally divided into a predetermined number of units, but the present invention is not limited to this. For example, multiple amounts may be set according to the scale of coverage, and in this case, the amount of subdivided insurance that has been applied is set as the lower limit of recruitment and the upper limit of recruitment that determine whether a contract can be concluded. Good.

In the above-described embodiment, the recruitment and management costs are added as the subdivided insurance amount, but the amount is not limited thereto. For example, if the amount of primary insurance is 5 million yen and the minimum number of offers is 210 units, the amount per unit of subdivision insurance is simply divided by the number of units and set to 23,800 yen. It is also possible to charge.

In the above-mentioned embodiment, the subscriber card is sent via the system server 4 and the applicant terminal 6, but the present invention is not limited to this, and the subscriber card may be sent by mail, for example.

In the above-described embodiment, the conditions for establishing a contract (achieving the lower limit of the number of offerings and elapse of the deadline for application, or achieving the upper limit of the number of offerings) are not limited thereto, and the conditions for forming the contract are not necessarily required. In addition, for example, it is possible to continue the solicitation of subdivided insurance until the prescribed number of offered units is reached, or to accept only the number of applied units without setting the upper limit number of offered units.

In the above-described embodiment, the insurance intermediary company makes the claim for payment of insurance money, but this is not necessarily the case. Alternatively, the insurance payment may be made to an insurance intermediary company, and the insurance intermediary company may pay the insurance money to the insurance subscriber.

In the above-described embodiment, the large insurance is subdivided into the small insurance, but the present invention is not limited thereto. The larger insurance contract may be subdivided into the smaller insurance contracts, and the large insurance may be subdivided into the smaller large insurance. Even in that case, the effect of the present invention is the same.

In the embodiment described above, applicants for subdivided insurance are recruited using a dedicated website, but this is not necessarily the case. For example, it is possible to use application software, use a portal site, or use these together. By using the application software, it is possible to easily manage the applicant's account. Further, by utilizing, for example, a cloud founding portal site or application software, entry of applicant information can be omitted. In this case, for example, it is possible to jump to another site from the URL notified by e-mail or post at the time of application or after the contract is concluded, and update/send applicant information and necessary documents.

In the above-described embodiment, the applicant pre-registers his/her own information and creates an account for the applicant himself/herself, but this is not necessarily the case.

The present invention can be applied, for example, to insurance that is sold to small businesses and individuals.

1 :Insurance sales system 2 :Insurance underwriting company 3 :Insurance intermediary company 4 :System server 5 :Insurance subscriber 6 :Applicant terminal 41 :Control unit 44 :Display unit 45 :Memory unit CN :Subscriber certificate IC :Insurance policy

The present invention has been made to solve such a problem, and an object thereof is to provide an insurance selling method and an insurance selling program capable of reducing the insurance amount in small-lot insurance.

In order to solve such a problem, the insurance sales method of the present invention is
A plurality of applicants who contract a subdivided insurance which is a subdivision of the main contract insurance contracted between an insurance intermediary company and an insurance underwriting company are provided with a lower limit of application conditions and an upper limit of application conditions set based on the main contract insurance. In the set state, a subdivision insurance recruiting step of recruiting through a recruiting means of a communication terminal connected to the telecommunication circuit ,
Via the applicant terminal connected to the electrical communication circuit, by applicant information which is information relating to previous SL applicant is input to the recruitment unit, subdividing said applicant to apply to the subdivision insurance Insurance application step,
In a state where the lower limit of recruitment condition and the upper limit of recruitment condition are satisfied, the plurality of applicants are insurance subscribers in the subdivision insurance, and the communication terminal establishes a contract between the insurance subscriber and the insurance intermediary company. Contract establishment step,
A subscriber certificate transmitting step of transmitting, as data, a subscriber certificate certifying the insurance contract contract of the insurance subscriber from the communication terminal to the applicant terminal .

In the insurance sales program,
A plurality of applicants who contract a subdivided insurance which is a subdivision of the main contract insurance contracted between an insurance intermediary company and an insurance underwriting company are provided with a lower limit of application conditions and an upper limit of application conditions set based on the main contract insurance. In the set state, a subdivision insurance recruiting step of recruiting through a recruiting means of a communication terminal connected to the telecommunication circuit ,
A portioning insurance application step of receiving the applicant based on the applicant information electrically via a connected applicant terminal to the communication circuit is input, the information about the previous SL applicants to the recruitment unit,
In a state where the lower limit of recruitment condition and the upper limit of recruitment condition are satisfied, the plurality of applicants are insurance subscribers in the subdivision insurance, and the communication terminal establishes a contract between the insurance subscriber and the insurance intermediary company. Contract establishment step,
And a subscriber certificate transmitting step of transmitting, as data, a subscriber certificate certifying the insurance contract contract of the insurance subscriber from the communication terminal to the applicant terminal .

INDUSTRIAL APPLICABILITY The present invention can realize an insurance sales method and an insurance sales program that can reduce the insurance amount in small-lot insurance.

Claims (7)

A setting step of setting a subdivided insurance in which the main contract insurance contracted between the insurance intermediary company and the insurance underwriting company is subdivided into a plurality of;
A subdivision insurance recruiting step of recruiting a plurality of applicants who contract the subdivision insurance through a communication terminal connected to a telecommunication line,
A subdivision insurance contract step of contracting the subdivision insurance between the insurance subscriber and the insurance intermediary company through the communication terminal, wherein the plurality of applicants are insurance subscribers. In the subdivision insurance contract step,
2. The insurance selling method according to claim 1, wherein the insurance intermediary company sends a subscriber certificate certifying a subdivision insurance contract with the insurance subscriber to the insurance subscriber through the communication terminal. .. In the subdivision insurance recruitment step,
Having a lower limit for application and an application deadline set based on the main contract insurance,
The insurance sales method according to any one of claims 1 to 2, wherein the insurance contract step is executed only when the execution lower limit is exceeded when the application deadline has passed. In the subdivision insurance recruitment step,
It has an upper limit of recruitment conditions set based on the main contract insurance,
The insurance sales method according to any one of claims 1 to 3, wherein the recruitment of the plurality of applicants is terminated when the recruitment upper limit condition is reached. In the subdivision insurance recruitment step,
Have the plurality of applicants enter contractor information and payment information through the communication terminal,
In the subdivision insurance contract step,
The insurance sales method according to any one of claims 1 to 4, wherein the subdivided insurance contract is automatically established when a preset application deadline has elapsed. To the computer
A recruiting step for recruiting a plurality of applicants who contract a subdivision insurance set based on a primary contract insurance contracted between the insurance intermediary company and the insurance underwriting company;
Performing a subdivision insurance contract step of contracting the subdivision insurance between the insurance subscriber and the insurance intermediary company with the plurality of applicants as insurance subscribers when a predetermined contract formation condition is satisfied. An insurance sales program featuring. A primary insurance contract step in which a primary insurance contract is contracted between the insurance intermediary company and the insurance underwriter with the insurance intermediary company as an insured person;
A subdivided insurance contract step of recruiting a subdivided insurance insurance subscriber who subdivides the main insurance into a plurality of subdivisions through a communication terminal connected to a telecommunication line, and contracting the subdivided insurance between the subscriber and the insurance intermediary company; ,
An insurance claim step in which the insurance intermediary company charges the insurance underwriter for payment of an insurance claim in response to a claim from the insurance subscriber.

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