Selling insurance products through home shopping can be called "homesurance". Homessuarnce can then refer to a formal home shopping insurance and a similar-type home shopping insurance.
A formal home shopping insurance can be understood as an insurance product that, with regards to insurance product sales, a home shopping company makes and produces broadcasting commercial programs, thereby providing product information and selling it to consumers under an agent contract with the insurance company. The method of selling insurance is normally by means of non-face-to-face contracts; its practice can include two stages. In other words, the company approaches to consumers by inbound methods, i.e., consumers get information about the product through TV home shopping commercial or insurance advertisements. Then, they call the home shopping company and request insurance advice service appointments. In addition to this, in the second stage, the home shopping company provides the customer's data or information to the call center adviser (TM); the advisor calls the consumer, thereby to recommend the relevant insurance product, which can be called outbound methods.
The second type of homesurance is a similar-type home shopping insurance, and it is the so-called "Informercial". An informercial company is usually a small and medium-sized enterprise whose capital capacity is somewhat small. This informercial company usually spends relatively more on broadcasting commercial than the normal one, such as two, four, or even eight minutes, and this type of insurance commercial intends to induce consumers to purchase insurance products.
homesurance sales can draw the public's attention since it causes significant social problems. One of the noteworthy problems is incomplete sale or poor sale. In order to solve this problem, it is necessary to control insurance products of home shopping. In particular, it is crucial to impose duty on the sellers to explain about insurance product in detail to consumers while selling the products in the level of distribution. In addition, the government authority needs to request shopping hosts to be equipped with qualified license for sales. Currently, there is no such a sale standard for home shopping agents, an advertisement standard for insurance products, or an advertisement standard in detail. This article intends to assert that it is necessary to establish a clear standard for this and to require shopping hosts to have legal qualification as insurance agents.