보험 판매채널의 변화와 신채널 발전방안에 관한 법적 연구

Abstract

Unlike face-to-face channels, which are traditional insurance sales channels, non-face-to-face channels that do not require personal contact are currently expanding only in areas such as auto insurance andinsurance products that require relatively simple explanations, despite many advantages in terms of time and economy. The sluggishness of non-face-to-face channels is that it is difficult to provide sufficient information to consumers due to difficulty intwo-way communication. Because of these limitations it was often the reason why insurance companies do not actively use the non-face-to-face channels. However, with the combination of millennials and mobiles and computers, traditional face-to-face channels are expected to lose their influence over time, and non-face-to-face channels such as CM channels, TM channels, and home shopping are expected to gradually expand the market share. For such non-face-to-face channels, it is expected to become the trend that a hybrid type of non-face-to-face operation, such as supplementing a computer screen in case of TM Channel or using a method added by telephone counseling functions in case of CM Channel, rather than an independent form. If a channel such as an artificial intelligence agent emerges due to the development of technology including the 4th industrial revolution, the short comings of non-face-to-face channels, such as the difficulty of two-way communication that has been pointed out as a weakness, will be overcome. The emergence and development of these non-face-to-face channels will create an environment in which consumers can easily find and subscribe to insurance that is suitable forthem and will lead to an economic effect of increasing social welfare. In the future, it is expected that various channels with new technology will rise in the insurance market.