金融营销保险方案

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1、保险产品营销策划书目录一、产品简介················································（02）（一）保险责任·············································（02）（二）职业类别对应的比例···································（02）（三）购买须知从事以下职业的人员不予承保···················（02）（四）责任免除·····························

2、················（03）二、我国保险业的发展现状································（03）三、产品SWOT分析·······································（04）S-优势··················································（04）10W-劣势··················································（04）O-机会············

3、······································（05）T-威胁·················································（05）四、营销策划目标············································（05）（一）财务目标············································（05）（二）销售目标······································

4、······（05）（三）市场占有率目标······································（05）（四）产品知名度目标······································（05）五、销售方式及策略··········································（06）10（一）一对一深度营销.·····································（06）（二）电话、网络促销······················

5、················（06）（三）增强团队合作········································（06）六、异议处理：···············································（06）七、营销组合的实践意义···································（07）(一)制定营销战略的基础·································（07）(二)应付竞争的有力手段·············

6、··················（07）（三）为企业提供系统管理思路·····························（07）10一、产品简介（一）保险责任在本合同保险期间内，且本合同有效的前提下，我们根据您的选择承担下列保险责任：1.身故保险金：若被保险人遭受意外伤害，并且意外伤害发生之日起180日内以该次意外伤害为直接原因导致身故，我们按该被保险人事故发生时的职业类别对应的比例乘以该被保险人对应的意外伤害保险金额给付身故保险金，我们对该被保险人的保险责任终止。2.残疾保险金：若被保险人遭受

7、意外伤害，并且意外伤害发生之日起180日内以该次意外伤害为直接原因导致伤残，且属于《人身保险伤残评定标准》中所列的伤残条目，我们依照该标准规定的评定原则进行评定，并按评定结果所对应该标准规定的180日内治疗仍未结束的，则按该意外伤害发生之日起第180日的身体情况进行鉴定，并据此给付残疾保险金。（二）职业类别对应的比例职业类别一类职业二类职业三类职业四类职业拒保与持案类职业给付比例100%80%50%30%5%（三）购买须知从事以下职业的人员不予承保1.矿工、矿场采石人员；2.从事航运、渔船作业及水救难的人

8、员；3.从事潜水、爆破的人员；4.从事硫酸、盐酸、硝酸及炸药制造人员；5.电力高压电工程设施人员；106.战地记者、特技演员、动物园驯兽师、民族体育活动人员、航空公司飞行训练学员；7.消防员、防爆警察、警务特勤人员、特种兵、后勤补给及通信、地勤人员、军事院校学生及入伍受训新兵；8.营业用货车司机、随车工人（4吨及4吨以上）；（四）责任免除对下列费用或因下列情形之一导致被保险人身故、伤残的，我们不承担给付保险金的责任：1.投保人