【正文】 雖然有多種因素可以很容易地確定為這一看法的 原因 ， 包括了保險(xiǎn)合同 ， 其條款及條件 ， 限制 ， 覆蓋范圍 ， 排除和免賠額 ， 包括在各個(gè)國家的法律和監(jiān) 管框架缺乏足夠的了解 ， 本文重點(diǎn)是怎樣的保險(xiǎn)營銷和銷售的作用 ， 包括它的技術(shù) ，管理和經(jīng)營策略 ， 可以作為一個(gè)有效的教育 ， 改變 保險(xiǎn)的 使用 ， 不僅使上述看法消失 ，而且使得保險(xiǎn)過程 更加透明 ， 有利于保單持有人 。 Registered World Bank Consultant and has served as a Consultant on various Insurance initiatives in Sierra Leone, including design of the country39。s risk needs is through the identification and analysis of the loss exposures to which a customer is exposed or subjected to through an insurance survey. The agent must educate and be able to impact sufficient knowledge of the client39。 在其設(shè)計(jì)和營銷創(chuàng)意行銷 的主 要是這些藥物 ， 以滿足當(dāng) 地 的風(fēng)險(xiǎn) ， 例如塞拉利昂面對(duì)一個(gè)國家 ， 從一個(gè)長達(dá)十年的內(nèi)戰(zhàn)和渴望新興創(chuàng)造性的政策 ， 以解決她的發(fā)展愿望 。 銷售管理 （ SALES MANAGEMENT）： 一般來說 ， 在保險(xiǎn)銷售管理的概念涉及的積極參與和指導(dǎo) ， 確保給予的性質(zhì)和業(yè)務(wù)量所需的保險(xiǎn)承運(yùn)人由管理銷售隊(duì)伍 。 這些措施包括 ： 獨(dú)立代理制度 。 直接書寫系統(tǒng) 。 2）產(chǎn)品 /政策 ， 將選擇最有吸引力的細(xì)分市場 和最有利可圖的保險(xiǎn)人的性質(zhì) 。 因此 ，如塞拉利昂 1970年保險(xiǎn)市場普遍做法的到 1990年的大部分被禁止飼養(yǎng)在今天的市場上它丑惡的頭 。s agents. 2) The nature of the product/policy that will be most appealing to the selected market segments and most profitable to the insurer. 3) How best to select, train and motivate producers/agents to sell to the selected market segments. The selection of geographic, demographic and or industrial segments of the market to target in the marketing of insurance products ensures effective market segmentation and effective use of resources. The demographic groupings may be further delineated by such characteristics as age, ine, occupation and sex. With the utilization of such a technique for example, diverse insurance policy coverages covering health, medical, accident, disability and workers pensation to name but a few, could be tailored and offered to such segments as civil servants, parliamentarians, teachers, college lecturers, healthcare providers, Okada riders and farmers throughout the country. The same could apply to the security segment including policies specifically designed to meet the needs of the military and police forces. Moreover, through utilization of product differentiation techniques in its marketing mix, an insurance carrier can maintain and increase its market share. These can be acplished by changing the standard coverage provisions in the contract。 Casualty Insurer and holds the Workers Compensation Claims Professional (WCCP) designation. He is a Member of the Chartered Insurance Institute (London)。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 inc