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保险产品开发的现代化
Overcoming challenges to make the most of 21st-century opportunities
克服挑战，充分利用21世纪的机遇
While other industries are squarely focused on delivering superior customer experiences, the insurance industry's product development pipeline and processes lag behind. It's time to catch up.
虽然其他行业都将重点放在提供卓越的客户体验上，但保险业的产品开发渠道和流程却相对滞后。是时候赶上了。
Key message
关键信息
1. As the bar rises across industries for optimal customer experience, most insurers seem to remain locked into 20th-century product development capabilities. This is likely no longer sufficient.
一。随着各行业为获得最佳客户体验的门槛不断提高，大多数保险公司似乎仍将目光锁定在20世纪的产品开发能力上。这可能已经不够了。
2. To evolve from a product-driven to a customer experience–driven focus, carriers may need to minimize or eliminate complexity in products and processes by removing long-standing challenges and expanding distribution options.
2。从产品驱动发展到客户体验驱动的焦点，运营商可能需要通过消除长期的挑战和扩大分销选择来最小化或消除产品和过程中的复杂性。
3. Insurers could also focus on knocking down silos between traditional lines of business and functions. To do this, they could collaborate with adjacent industries to jump-start product and service innovation, enhance capabilities with cutting-edge technologies, and reinvent their long-standing culture.
三。保险公司还可以专注于打破传统业务和职能之间的孤立。要做到这一点，它们可以与邻近行业合作，启动产品和服务创新，增强尖端技术的能力，并重塑其长期文化。
4. For insurers to achieve this target state of optimal customer experience, they will likely need to embrace a combination of all or many of these tactics. It will not be a destination, but an ongoing journey.
四。为了使保险公司达到最佳客户体验的目标状态，他们可能需要采用所有或许多这些策略的组合。这将不是一个目的地，而是一个正在进行的旅程。
5. One insurer opined: “The shift from product- to customer experience–based models will create more opportunities to gain market share than we’ve seen since the first insurer in the United States was established to offer fire policies in the 1700s.”
5个。一家保险公司认为：“从基于产品到基于客户体验的模式的转变将创造更多的机会来获得市场份额，这是自美国第一家保险公司在17世纪成立以来我们所看到的。”
Product development modernization is imperative
产品开发现代化势在必行
AT a time when exceptional client experience is pervasive throughout most other industries, customer-centricity, speed, and flexibility are becoming necessities in insurance product development. As companies such as Amazon and Netflix raise the bar in terms of customer expectations for products and services that are convenient, fast, and personalized, the insurer of the future will likely need to follow suit. And, for all intents and purposes, that future is now.
在特殊的客户体验遍及大多数其他行业的时候，客户的中心性、速度和灵活性正成为保险产品开发的必需品。随着亚马逊（Amazon）和Netflix等公司提高客户对方便、快捷和个性化的产品和服务的期望，未来的保险公司可能需要效仿。不管出于什么目的和意图，未来就是现在。
DI_Insurance-product-development.pdf
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