Fast developing financial services market causes that forms of distribution channels also undergo changes. It was the one of main reason which makes bancassurance idea so popular. Cooperation between bank and insurance company on the product line brings a lot of advantages for bank, insurance company and also for client. The client has an easy access to varied offer of insurance products (accidental insurance, car, touristic and home insurance). But also, insurance products exists as a protection for some bank products which client has on his portfolio, like: mortgage credit, consumer credits, credit cards ( e.g. the most popular life insurance). The bancassurance idea it is also a very kind of selling forms. There is not only insurance sale via point of sale in bank, but, increasingly popular, selling via internet or phone channels, known as telematketing. That form of selling is possible only for standardize products, where premium is calculates on the base of a few objective criteria.The bancassurance idea is going to develop dynamically, and, in the future, for the clients will be created and offered new and new products according to demand from the market.
Financed by the National Centre for Research and Development under grant No. SP/I/1/77065/10 by the strategic scientific research and experimental development program:
SYNAT - “Interdisciplinary System for Interactive Scientific and Scientific-Technical Information”.