【正文】 但是 ， 如果在塞拉利昂保險(xiǎn)市場生存 ， 成長為新的球員 ， 如國家健康保險(xiǎn)計(jì)劃和國家產(chǎn)權(quán)保險(xiǎn)計(jì)劃是進(jìn)入市場 ， 那么一個(gè)新的發(fā)展孕育的生產(chǎn)者 ， 代理商推出的產(chǎn)品 ， 和銷售體系 ，必須采取以預(yù)防近期引進(jìn)的新政策的失敗這些都必須包括并納入直郵 ， 機(jī)構(gòu)和技術(shù)系統(tǒng) 。 市場挑戰(zhàn) （ MARKETING CHALLENGES）： 因此 ， 面臨的挑戰(zhàn)是地方工業(yè)為更好地適應(yīng)和適合滿足的需要和國家發(fā)展的保險(xiǎn)產(chǎn)品的多樣化需求 。 人口結(jié)構(gòu)的集團(tuán)可進(jìn)一步劃定的年齡 ， 收入 ， 職業(yè)和性別等特征 。 2）在消費(fèi)者分析的風(fēng)險(xiǎn) 管理技能需要通過技術(shù)鑒定和保險(xiǎn)方案的剪裁是一項(xiàng)先決條件 。 保險(xiǎn)營銷 （ INSURANCE MARKETING）： 對保險(xiǎn)營銷的基本原則決定了保險(xiǎn)產(chǎn)品和政策必須在市場上銷售 ， 主要對安全的需要和保險(xiǎn)產(chǎn)品和政策有能力提供足夠的財(cái)政損失 ， 從偶然安全的基礎(chǔ)出售 。 到那時(shí) ，它已成為來不及補(bǔ)救的權(quán)利 機(jī)構(gòu)， 要么由代理商銷售或替代 品 ， 可以覆蓋任何 在銷售 政策上 的差距 ， 以投保人未提供或解釋 誰是保單持有人為由 。s sustained economic development. In the United States there are four distinguishable systems for marketing property and liability insurance. These include: 1. Independent agency system. 2. The exclusive agency system (also known as the captive agency system). 3. The direct writing system. 4. The direct mail system. The system primarily in use in the Sierra Leone insurance market is the direct writing system wherein individual carriers employ their paid agents and employees to exclusively market only their policies. However, if the insurance market in Sierra Leone is to survive and grow, as new players and products such as the national health insurance scheme and the national title insurance scheme are introduced into the marketplace, then the development of a new bred of producers, agents and marketing systems must be pursued to forestall the failures of recent new policy introductions. These must include and incorporate the direct mail, agency and technology systems. To effectuate this new marketing goal a sales force must be recruited and trained into the intricacies of the insurance business and policies being introduced and marketed with realistic production objectives, marketing policies and strategies and implementation of an advertisement and promotion . 參考譯文： 淺析中小型保險(xiǎn)公司的營銷策略 概述 ： 保險(xiǎn)營銷 ： 創(chuàng)建在塞拉利昂保險(xiǎn)業(yè)成功的營銷策略 談?wù)劚ｋU(xiǎn)在大多數(shù)非洲國家的普遍看法是 ， 保險(xiǎn)公司 普遍未能履行合同的 條款 發(fā)生保險(xiǎn)損失時(shí) ， 在大多數(shù) 訴諸 法庭 情況下 ，打印 在這些保險(xiǎn)合同的 承保人 要么拒絕索賠 ，要么大幅降低賠償金。s must be prevented from rearing its ugly head in today39。 Casualty Insurer and holds the Workers Compensation Claims Professional (WCCP) designation. He is a Member of the Chartered Insurance Institute (London)。 the focus of this article is how the role of insurance marketing and sales, including its technological, regulatory and management strategies, can be utilized as an effective educational vehicle in changing not only the above perception but making the claims process more transparent and beneficial to the policyholders. There is thus a direct corollary between the marketing of insurance, the technical knowledge of the agent, the types of coverages and policies available and whether a claim is denied or underpaid in the event of an insured loss. THE SIERRA LEONE CASE STUDY: For decades the marketing of insurance products and services in Sierra Leone has hinged primarily on the direct agency method, wherein panies employed agents earning salaries or as independent contractors being paid missions on sales to merely sell and market their products. The marketing of life insurance products, property and liability policies such as fire, marine, accident and allied policies were always mostly marketed by these pany agents. For example, while I was employed at the National Insurance Compan