- 2008/12/09 Tue
- お仕事関連 > 変化する社会 > 気になったニュース
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。
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