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To users and readers of American Life Insurance Guide:
Happy holiday.
I. Foreword-Industry Review
2019 can be said to be a year of earth-shaking changes in the American life insurance industry, and the impact on the Chinese community is particularly huge.
The further regulation of the AG49 regulations makes it almost difficult to compare “fairly” different American insurance products. This avoids competition among insurance companies on the one hand, but also further enhances the understanding of the relevant public in the Chinese community.Insurance product design planThe difficulty.
Simultaneously,Mandatory use of the 2017 CSO Life Form, So that all major insurance companies in the United States are forced to introduce new products to their products in 2019.Many insurance companies took this opportunity to upgrade their insurance product lines, and introduced more products to the market.Additional clause benefitsCompetitive products.A large number of new products have poured into the market at almost the same time. This situation has caused selection dilemmas and increased learning costs not only for Chinese consumers, but also for Chinese practitioners.
As for the foreign insurance market that the Chinese are concerned about, it has also undergone a reshuffle in 2019.The departure of traditional insurance companies.Joining of emerging insurance companies, Some U.S. insurance companies began to implementForeigners and natives are treated equallyThe rules, the review standards of insurance companies for foreigners, are constantly changing and adjusting between the two standards of "loose" and "tightened"... For policyholders and practitioners, these seemingly unrelated markets Behavior, but give "Insurance for foreigners"Behind this has added great uncertainties.
The American Life Insurance Guide©️, as the core window for the Chinese to understand the knowledge and information of American financial and insurance, provided a full range of reports on related events in the first time, and was widely reprinted by the industry.
The mission of American Life Insurance Guide©️ is to help Chinese people fully understand American life insurance knowledge and information, share financial planning experience and key points, and allow users to obtain products that can truly protect themselves and their loved ones.
II. Fun Fact-Annual data
In the past 2019 months of 11, American Life Insurance Guide©️ DAU has continued to grow steadily.At the same time, the management team discovered many interesting aspects through statistical analysis of sampled data and shared them with our readers.
01. Which countries and regions are people using American Life Insurance Guide©️?
The users of the American Life Insurance Guide Network©️ community are mainly from the United States, accounting for about 80%, which remains unchanged from last year.The second comes from mainland China and Hong Kong. In 2019, users in Canada surpassed Taiwan and rose to No. 4.
02. Are there more women or men?
Female users accounted for 45.9%, a decrease of only 1 percentage point from the same period last year.Male users account for more than half.Our analysis believes that for American financial insurance policies that have both "protection" and "financial management attributes", women are more concerned about "security", while men are more inclined to "investment and enterprising."There is such a ratio,Shows that women’s financial attention is comparable to that of men.
03. Rejuvenation of user groups
Among the users of American Life Insurance Guide©️, between the ages of 25 and 34 is the largest user group.The 18 to 24 year old group accounted for more than 10% of the number of users. The actual report of insurGuru™️ community brokers also confirms this point. Because young people’s insurance premiums are relatively low,Rejuvenation of insurance has become an important feature.
04. "Chop Hand Party" may prefer to sweep American insurance
Analysis shows thatThe "buy, buy, and buy" people who like online shopping the most,It is the group that pays the most attention to the American Life Insurance Guide©️. "Science and technology cafes" ranked 3rd, and sports lovers and foodies ranked 4th and 5th respectively.We have always believed that the "financial investment" group that should be ranked in the Top3 actually only ranks 8th.
05. Apple users far outnumber Windows users
Among the user groups of American Life Insurance Guide©️, users using Apple's operating system accounted for more than 72.8%, and users using Microsoft's Windows operating system accounted for 18.3%.In the field of a more segmented mobile phone user audience, users using the HUAWEI (Huawei) mobile phone brand are second only to Apple mobile phone users in this category.
More detailed data reports will be reported to insurGuru™️Insurance CollegeRegisteredIndependent agent broker和Financial Professionalprovide.
III. Community Activities
The American Life Insurance Guide website unwaveringly supportsNet Neutrality ActAnd support donationsWikipedia Foundation.
Monthly toDirect reliefWith regular donations, Direct Relief is a non-profit, non-partisan organization dedicated to providing necessary medical resources to people in emergency situations and poverty.
Southern California Pacific Life The 2019 Susan Komen Race for the Cure® held in the park, with the theme of women’s health5K hiking fundraising.
Orange County Department of Social ServicesVolunteer service with local churches for 1200 underage foster families.
IV. Looking to 2020: "Education" and "Change"
"Education is the first line of defense of a country."Similarly, wealth education is also the first line of defense for every family to protect wealth.
however,In a country with extremely diversified cultural choices and value orientations, what is "correct education" and how to effectively distinguish the boundary between educational behavior and marketing behavior?There is no single answer.
Learning from different angles and channels, and using "common sense" to make judgments, and constantly completing self-improvement and transcendence, may be the only way to deal with such a complex and changeable world.
Therefore, the American Life Insurance Guide©️ will continue to focus on improving the academic accomplishment and experience level of the team in 2020, and will also work hand in hand with third-party financial insurance education and training brands to penetrate the Chinese community to develop the United StatesFinance and Insurance Education, To provide Chinese consumers with a new perspective and channel to obtainU.S. Financial InsuranceRelated knowledge.
At the same time, as the only Internet financial insurance knowledge service provider in North America, the American Life Insurance Guide©️ will continue to pass on the credit rating information of major US insurance companies, and adhere to the value judgment principle of "common sense" to provide users with universal insurance policy evaluation methods and related Experience sharing has become an important reference tool for policyholders on the road to understanding and learning American financial and insurance knowledge.
American Life Insurance Guide©️I believe in the essence of "education","A tree shakes another tree, a cloud pushes another cloud, a soul summons another soul.It has no sound, it just allows those who walk in the front to do their own thing and walk their own way, and then let the change happen naturally."
In the new year, we invite you to join us and wait for the changes to happen together. (Finish)
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