소액단기전문보험회사의 발전방안

Abstract

The digitalization of the insurance industry is accelerating as non-face-to-face recruitment is highlighted after the global spread of COVID-19 in 2020. This change is positive in that there is a need for an insurance recruitment method that fits the trend of young people in their 20s and 30s and MZ generations who are passive in insurance subscription. While platform-oriented Big Tech's mail-order specialized insurance company (digital insurance company) is gradually developing, Internet and mobile-oriented small- and short-term specialized insurance companies (mini-insurance companies) are expected to enter the market. As the reinforcement of non-face-to-face sales channels of existing insurance companies is also becoming a reality, the insurance sales market is expected to be diverse according to consumers' tendencies. Therefore, this article sought ways to revitalize mini insurance companies, and in particular, compared with digital insurance companies and analyzed the causes of activation of Japanese small and short-term insurance companies. At this point, since the mini insurance company that the financial authorities expected has not emerged, it was considered that innovative companies that can promote innovation and convergence by utilizing the regulatory sandbox system should be promoted in the short term. Ultimately, it was considered necessary to lower the entry barrier for the small and short-term professional insurance industry to innovate the insurance industry. It is necessary to actively attract the emergence of new insurance companies by properly reviewing measures to alleviate high-level human and material factors equivalent to comprehensive insurance companies, supplementary measures using parent company-subsidiary company relationships, and non-face-to-face insurance recruitment measures such as mobile apps.