Insurance product evaluation method and evaluation device, intelligent system and storage device

Abstract

The invention discloses an evaluation method and evaluation device for insurance products, an intelligent system and a storage device. The comprehensive evaluation method comprises the following steps: obtaining labeled insurance products, wherein the labeling comprises labeling of types and quality of various guarantees or responsibilities of the insurance product; distributing the guarantees orresponsibilities with the same labeling type and the same quality grade of different insurance products into the same group, and calculating and obtaining the percentage grade of each guarantee or responsibilities in the same group; calculating and obtaining a standard score of each guarantee or responsibility by utilizing the percentage grade of each guarantee or responsibility in the same group;and performing weighted calculation on the standard scores of all guarantees or responsibilities of the same insurance product according to a set proportion to obtain an evaluation score of the insurance product. By means of the method, consumers can obtain insurance products more suitable for themselves.

Description

technical field [0001] The present application relates to the technical field of model application, in particular to an evaluation method, evaluation device, intelligent system and storage device of an insurance product. Background technique [0002] The current statutory channels for insurance sales include insurers' own channels, bank insurance channels, online sales channels and agency channels. There are tens of thousands of existing insurance types, and even the same type of insurance has at least a thousand types. Because the insurance field involves a lot of professional knowledge and information is very unequal, consumers are prone to misunderstanding and confusion when understanding product terms, making it difficult to choose products rationally, and even give up buying behaviors. [0003] The agency channel, where clients are served by professional agents, currently accounts for the vast majority of insurance sales. However, due to the limited number of products...

AI Technical Summary

Problems solved by technology

However, due to the limited number of products represented by professional agents, compared with the tens of thousands of products on the market, and the different sales ratios of the represented products, it is also impossible for professional agents to make a reasonable comparison of all products on the market and recommend them to consumers. Insurance products that best suit their own needs

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