Abstract
The article is dedicated to the development of services and conditions of cooperation directed to insurance in the premium circle of clients under globalization. The circle of premium customers in addition to their requirements was described. Extended types of insurance are disposed in the article in order to develop the relationship between customer and insurer for most efficient partnership. The main reasons which caused the low level of insurance market development in Ukraine were proposed both with theoretical variety of their decisions. Proposals about methodical necessity of separating life and non-life insurance companies in the domestic market are disposed due to recommendations of the strategical development of insurance company. Methodological approach to the customer attraction procedure is represented for insurance sales management improvement.
Highlights
Today practically every scope of activity connected with finance is associated with insurance covering in dependence of the current operation risk level
The main scientific results of this article are directed to formation of the complex of practical and theoretical recommendations devoted to the attraction and service of premium customers circle
The influence of such factors as educational and personal skill, strategical management, corporate culture and extended types of insurance usage are disposed in order to increase the development of services and conditions of cooperation with the premium circle of customers
Summary
Strategical approach to formation of insurers’ behavior on the market should be based on searching suitable insurance programs for the customer in order to get his trust and loyalty (Rokas, I., 2015). We can define the requirements of the affluent circle of clients: their personal conditions for service and focused financial products as the heaviest reasons of separating life and non-life insurers. It makes a necessity of creation such kind of specialized insurers directed on the premium or mass segment of customers. Person responsible for coding process envisages presentation of reverse reaction of communication that passes to the addressee information as texts, symbols and characters Such specialists work in the front office of insurance company (Ronald, Ɍ., 2010). Representatives of the premium segment can give objections, building obstacles so that necessity of strong communicational skills is imperative
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