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第20章 精算并没有想象中牛(2 / 2)

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“这个重疾险提出开发需求的时候,你大概还在面试过程中吧。我们公司其实确实是缺少这一类的产品的。”庄健强挪了挪屁股,把身体整个靠在椅背上。刚才那个会,他的确也是有些累了,“一开始,我们是打算做成消费型,但是保终身。不过开了几次会之后,就变成了你现在看到的这个形态。”

林逸心想,从一个价廉物美的消费型重疾险,到了现在又要返还保费又要分红,简直是在清爽鲜美的阳春面里非要添油加醋再砸上几块扎实的红烧肉,非但特色全无,而且不伦不类。

他耸耸肩,并不说话。

庄健强知道林逸不是个喜欢随意评论的人,也没指望他每句话必有回应,又继续说道:“十年前,我刚从学校毕业,进了一家保险公司,觉得踌躇满志。我是个精算师啊,整个中国保险行业最专业的工作,都在我们手里。现在国民的保险意识那么差,我们国家的保险密度和深度都落后发达国家太多,所以一定会大力发展这个行业。所以如果那些特别经典的保险产品,是由我参与开发的,光是想象一下,就值得激动了……”

说到这里,他似乎听到林逸轻轻笑了一声。

“这种幻想,大概没到半年就被打破了。我终于明白,听起来很厉害的保险精算师,大多时候,不过是个执行者,而已。理论模型中的好产品,和销售心中愿意去卖、卖得出量的好产品,往往相差太大了。”

林逸发觉此时庄健强停了下来,认真地望着他,沉默了好几秒不继续说话。他这是想要自己给个回应。可是刚才那番话,他要接什么才好?

“所以,是销售说了算?”他用一个问题回答了庄健强,这也的确是他真正想要知道的一件事。

这孩子很有意思!

庄健强挺了挺原本软软塌在椅背上的腰,把椅子拖着从工位旁滑到林逸的旁边,说道:“这就是一个斗智斗勇的过程。我不知道你有没有思考过,精算部门对于公司的价值究竟在哪里?”

“产品要我们来做。”

“这是精算的本分,但不仅仅是我想要的,也根本体现不出我们的价值。”庄健强看着眼前这个孩子,突然有些回忆起当年才开始工作的自己,颇生出一些惺惺相惜的感慨,“可以去执行一些需求,可是精算对于市场、对于数据也要有自己的态度和预测,然后我们去和需求方探讨,最终事情该怎么落地。虽然大部分时间,是销售在为公司带来保费,但精算也可以衡量保费的成本,也可以对销售提要求,必须有怎样的体量,才能要求我们的产品有费用,有客户想要的功能。”

林逸望着难得这么多话的庄健强,点点头。他是真心把自己当成一个学生在指导着的。

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