Home > お仕事関連 > 変化する社会 > 気になったニュース > パンドラの箱を開けてしまった、ライフネット生命。

パンドラの箱を開けてしまった、ライフネット生命。

やってくれました、ライフネット生命。なにをかと言いますと、いままで公表されることがなかった、と言うか閉鎖的な仲間内でヨロシクやっていた生保業界の「原価」をばらしてしまいました。詳しくはダイアモンド社のサイトをご覧頂く方が、私がチマチマ説明するよりも正確に伝わるのでは。

いままでの保険料は、純然たる保険料(原価)の他に、付加保険料という営業経費が加算されていたわけです。その付加保険料の中には、毎週会社の入り口や、エレベーターホールで待ちかまえるおばちゃんの人件費や、移動のための車両代金まで含まれているわけです、でもその比率が既存生保は大きすぎる。保険料を毎月毎月払っている被保険者は、内情も知らずに黙々と支払い続けているのですが、あまりにもでかい。

おばちゃん達を使わずに、Web上で契約を取るライフネットと、既存生保とでは付加保険料が5倍も違うんですと。そりゃばらされた既存生保の幹部は怒りますよ、営業のおばちゃん来なくてイイから、保険料下げろって加入者も思うでしょうし。でもばらされた以上、既存保険会社もおばちゃん達のクビ切ってでも対抗してくるんだろうな。

でもまぁこの時代に事業効率を上げる手段は正攻法とも言えるので、常識が無いと騒いでもユーザーに受け入れられない既存生保の負けだな。しかし原価よりも高い付加保険料なんて、そこまで人に頼らないと成立しなかった保険業界は、改革が遅れているのでしょうかね。ウチの業界印刷費に乗せるマージンなんて、良くて15%くらいなモンです。

金融業界でも、生保の業界で業界の再編がこの先進むでしょうね。・・・おれの保険料はこの先どうなるんだ?二十歳過ぎから掛けていた料金と、いま加入し始めた料金(原価、通常これに付加保険料が+)とであまり変わらない金額だもんな。とあまりにもビックリしたので口調がベランメー調で申し訳ありません。




Comments:5

OKBet promotion 2023/09/11 16:07
Your article is a perfect article without a hitch. Thank you. My site:
soniyasharma 2023/04/04 17:37
I'm unequipped for looking at articles online unequivocally, yet I'm affecting I did today. http://www.callgirlsdelhincr.in It is painstakingly depicted, and your bases are everything considered on conveyed. I request you enthusiastically, sharp, not a little press at whatever point completed sythesis.
soniyasharma 2023/04/04 17:37
Swaying .. Influencing .. I'll bookmark your blog and take the feeds in on a shockingly huge level a basically muddled way… http://www.callgirlsdelhincr.in/call-girls-in-chandigarh/
http://www.callgirlsdelhincr.in/call-girls-in-bangalore/
http://www.callgirlsdelhincr.in/mumbai-call-girls/
http://www.callgirlsdelhincr.in/call-girls-in-chennai/
http://www.callgirlsdelhincr.in/call-girls-in-munirka/
http://www.callgirlsdelhincr.in/call-girls-in-indore/
http://www.callgirlsdelhincr.in/call-girls-in-noida/
http://www.callgirlsdelhincr.in/call-girls-in-kolkata/
http://www.callgirlsdelhincr.in/kerala-call-girls/
http://www.callgirlsdelhincr.in/call-girls-in-coimbatore/
http://www.callgirlsdelhincr.in/hyderabad-call-girls/ I'm glad to find such perpetual genuine information here in the post, we really need settle more plans in such way, appreciation for sharing.
replica watches 2023/03/29 20:39
https://www.onlineluxurywatches.co/Omega-replica-watches.html https://www.perfectwatchen.com/replica-Hermes.html https://www.replicawatchbest.com/hublot-buy-watches.html https://www.luxuryshopwatch.com/Romain-Jerome.html https://www.luxuryshopwatch.com/Hublot.html https://www.bestwatchaaa.com/IWC-replica.html upon https://www.replicawatchsshop.cc/Panerai-Replica.html and https://www.luxuryshopwatch.com/de-Grisogono.html https://www.fakewatchshop.com https://www.hotwatchsreplica.com/Jacob-Co.html https://www.luxuryshopwatch.com https://www.bestwatchaaa.com/Technomarine-replica.html https://www.replicawatchshipping.com https://www.bestwatchaaa.com/Graham-replica.html moment of https://www.goodswisswatch.com foundation, Breitling https://www.watchrm.com/Audemars-Piguet-fake-watches.html elaborated and https://www.perfectwatchen.com/replica-Panerai.html highly https://www.watchreplica.co https://www.luxuryshopwatch.com/Tiffany-Co.html https://www.luxuryshopwatch.com/Richard-Mille.html https://www.swisswatchesale.com/replica-Rolex.html those https://www.swissrepicass.com/PANERAI-replica-watch.html https://www.hotwatchsreplica.com/girard-perregaux.html known https://www.allshopwatch.com https://www.replicasale.cc of https://www.luxuryshopwatch.com/Bedat-Co.html https://www.replicawatchess.cn https://www.luxuryshopwatch.com/Salvatore-Ferragamo.html https://www.replicasale.cc/Panerai.html https://www.luxuryshopwatch.com/Philip-Stein.html https://www.luxuryshopwatch.com/Michael-Kors.html https://www.replicawatchess.cn https://www.aaareplicawatch.com https://www.watchrm.com originals. https://www.luxuryshopwatch.com/Audemars-Piguet.html https://www.luxuryshopwatch.com/Rue-Du-Rhone.html https://www.luxuryshopwatch.com/Patek-Philippe.html https://www.luxuryshopwatch.com/Maurice-Lacroix.html https://www.luxuryshopwatch.com/Hermes.html https://www.newwatchesale.com https://www.replicawatchsshop.cc/Hublot-Replica.html https://www.luxuryshopwatch.com/Fossil.html https://www.bestwatchaaa.com/Breitling-replica.html inspected https://www.aaareplicawatch.com https://www.allshopwatch.com/Audemars-Piguet-a-hot.html https://www.cloneswisswatch.com https://www.luxuryshopwatch.com/Fendi.html https://www.swissreplicas.cc https://www.perfectwatchen.com/replica-Cartier.html of https://www.luxuryshopwatch.com/Baume-Mercier.html https://www.bestwatchaaa.com/Bedat-Co-replica.html Breitling https://www.luxuryshopwatch.com/Bulova.html https://www.luxuryshopwatch.com/Invicta.html https://www.perfectwatchen.com/replica-Bell-Ross.html https://www.bestwatch.cc https://www.luxuryshopwatch.com/Eberhard.html https://www.swisswatchesale.com https://www.luxuryshopwatch.com/Zodiac.html refined https://www.replicawatchsshop.cc/Audemars-Piguet-replica.html https://www.luxuryshopwatch.com/Parmigiani.html https://www.perfectwatchen.com/replica-Hublot.html https://www.replicawatchsshop.cc/Zenith-Replica.html https://www.perfectwatchen.com/replica-Franck-Muller.html https://www.swissreplicas.cc of https://www.hotwatchsreplica.com/Raymond-Weil.html for an https://www.watchrm.com brand https://www.perfectwatchen.com/replica-Chanel.html while https://www.replicawatchsshop.cc/Montblanc-Replica.html https://www.watchreplicaswiss.com opportunity https://www.replicawatchsshop.cc/Cartier-Replica.html https://www.swissbestwatch.com/Rolex-swiss-Movement.html https://www.luxuryshopwatch.com/Bulgari.html quality Breitling https://www.replicaswisswatch.co https://www.bestwatchaaa.com/TW-Steel-replica.html https://www.bestwatchaaa.com/Piaget-replica.html https://www.bestwatchaaa.com/Bulgari-replica.html https://www.luxuryshopwatch.com/Tag-Heuer.html wonder Breitling replica watches are more https://www.luxuryshopwatch.com/Girard-Perregaux.html https://www.fakewatchshop.com https://www.replicawatchhot.com https://www.allwatchesen.com
replica watches 2022/03/24 22:33
https://www.bestwatchaaa.com/Alain-Silberstein-replica.html https://www.allshopwatch.com/Glashutte-a-hot.html is considered https://www.hotwatchsreplica.com/tudor.html of https://www.hotwatchsreplica.com/jaeger-lecoultre.html https://www.newwatchesale.com/ https://www.replicawatchsshop.cc/Ulysse-Nardin-Replica.html prestigious, and https://www.replicawatchsshop.cc/Jaeger-LeCoultre-Replica.html https://www.bestwatchss.com/SevenFriday-Replica-Watches.html fashion brands in the https://www.allshopwatch.com/Dior-a-hot.html https://www.luxuryshopwatch.com/ of the benefits to https://www.replicawatchsshop.cc/Hublot-Replica.html https://www.allshopwatch.com/Michele-a-hot.html Fake Chanel https://www.bestwatchss.com/Breitling-Replica-Watches.html https://www.bestwatchaaa.com/Vacheron-Constantin-replica.html https://www.copywatchstyle.com/ https://www.replicawatchsshop.cc/Michele-Replica.html https://www.replicawatchsshop.cc/Glashutte-Original-Replica.html worry less https://www.bestwatchss.com/Perrelet-Replica-Watches.html https://www.hotwatchsreplica.com/Piaget.html being stolen https://www.allshopwatch.com/Breguet-a-hot.html https://www.hotwatchsreplica.com/Cartier.html as https://www.bestwatchaaa.com/R-M-replica.html will https://www.replicawatchsshop.cc/Corum-Replica.html https://www.replicawatchsshop.cc/Audemars-Piguet-Replica.html https://www.allshopwatch.com/Oris-a-hot.html https://www.hotwatchsreplica.com/Romain-Jerome.html https://www.bestwatchss.com/A-Lange-Sohne-Replica-Watches.html watch https://www.bestwatchaaa.com/Technomarine-replica.html https://www.allswisswatchs.com/ https://www.bestwatchaaa.com/Longines-replica.html https://www.replicawatchsshop.cc/Omega-Replica.html more https://www.bestwatchaaa.com/Bell-Ross-replica.html https://www.watchrm.com/ of https://www.hotwatchsreplica.com/Raymond-Weil.html great things about replicas is https://www.bestwatchss.com/ because https://www.allshopwatch.com/Omega-a-hot.html https://www.allshopwatch.com/Invicta-a-hot.html so https://www.bestwatchss.com/Corum-Replica-Watches.html https://www.allshopwatch.com/Audemars-Piguet-a-hot.html https://www.bestwatchaaa.com/TW-Steel-replica.html https://www.bestwatchss.com/ many https://www.allshopwatch.com/TW-Steel-a-hot.html https://www.allshopwatch.com/ https://www.allshopwatch.com/Rado-a-hot.html the https://www.hotwatchsreplica.com/Rado.html https://www.hotwatchsreplica.com/Maurice-Lacroix.html https://www.hotwatchsreplica.com/ https://www.replicawatchsshop.cc/Vacheron-Constantin-Replica.html item, or https://www.bestwatchss.com/Tag-Heuer-Replica-Watches.html https://www.bestwatchss.com/Patek-Philippe-Replica-Watches.html https://www.replicawatchsshop.cc/Bell-Ross-Replica.html https://www.allshopwatch.com/Patek-Philippe-a-hot.html https://www.hotwatchsreplica.com/Tissot.html https://www.bestwatchss.com/Baume-Mercier-Replica-Watches.html https://www.hotwatchsreplica.com/Jacob-Co.html https://www.allshopwatch.com/Blancpain-a-hot.html https://www.bestwatchaaa.com/Raymond-Weil-replica.html https://www.bestwatchaaa.com/Movado-replica.html https://www.hotwatchsreplica.com/A.Lange-Sohne.html https://www.replicawatchsshop.cc/IWC-Replica.html https://www.replicawatchsshop.cc/Chopard-Replica.html https://www.replicawatchsshop.cc/ https://www.replicawatchsshop.cc/A.Lange-Sohne-Replica.html replica https://www.bestwatchss.com/Cartier-Replica-Watches.html https://www.allswisswatchs.com/ https://www.bestwatchaaa.com/TAG-Heuer-replica.html https://www.hotwatchsreplica.com/Ebel.html https://www.bestwatchaaa.com/Piaget-replica.html lots of https://www.bestwatchaaa.com/Bedat-Co-replica.html and http://www.classicwatchess.com/ the https://www.bestwatchss.com/Breguet-Replica-Watches.html look as https://www.allshopwatch.com/Arnold-Son-a-hot.html https://www.bestwatchaaa.com/Panerai-replica.html from our high quality https://www.allshopwatch.com/ lowest https://www.allshopwatch.com/A.-Lange-Sohne-a-hot.html https://www.replicawatchsshop.cc/Romain-Jerome-Replica.html Fake https://www.swissrepicass.com/ watches.
Comment Form
Remember personal info

Trackback:0

TrackBack URL for this entry
http://rise-prod.com/sb/sb.cgi/99
Listed below are links to weblogs that reference
パンドラの箱を開けてしまった、ライフネット生命。 from RISE weblog
トラックバックはありません。

Home > お仕事関連 > 変化する社会 > 気になったニュース > パンドラの箱を開けてしまった、ライフネット生命。

Search
Feeds

Page Top

無料アクセス解析