Delighful Wealth Management Limited

1. Bank channel relationship deepening:

• Deeply maintain the customer manager relationship network of Hong Kong's strategic cooperative banks (Chinese/foreign), and do regular maintenance

Output channel demand insight report

• Design bank customer manager incentive schemes (such as product competitions, commission ladders), quarterly channel activities

Coverage rate ≥ 90%

2. Business growth drive:

• Based on bank customer segmentation (mass affluent/high net worth/ultra high net worth), develop differentiated product penetration

Strategy, annual new premium target ≥HKD 100M

3. Channel risk control collaboration:

• Monitor channel sales compliance, ensure 100% compliance with Hong Kong's insurance regulatory requirements on the bank side of KYC/AML processes

Regulations of the Bureau.

Product Full Life Cycle Management (Product Ownership)

1. Product marketing plan design:

•

Hong Kong high-end medical "bundle solution)

• Custom bank channel exclusive sales tool kit (product comparison matrix, customer needs diagnostic questionnaire, conversation

Library)

2. High net worth client solution delivery:

• Directly support bank relationship managers to complete the delivery of extremely complex solutions (single premium ≥ HKD 10M),

Full closed-loop management from requirement analysis to policy issuance

3. Knowledge system standardization:

• Establish a company-wide product knowledge base (term parsing/underwriting rules/tax guidance), updated quarterly ≥3

A core product training module

Delivery System Empowerment (Operational Excellence)

1. Process Design:

• Reconstruct RO/AO/TR three-post collaboration SOP, design tools for high-frequency pain points (such as cross-border)

Remittance delay handling self-checklist, customer information missing early warning system)

2. Training system construction:

•

Employees must hold a certificate to work

3. Technical tool implementation:

•

Ring), shorten the time to produce a solution by 50%

Bank customer development support (RM empowerment offensive)

1. Customer touchpoint penetration:

•

Configuration preference/Cross-border demand pain point/Risk preference model), accurately locate insurance configuration priority

• Key scene visit: For insurance premiums ≥HKD xM or involving cross-border taxation/family inheritance complex

Customer, together with RM, complete customer negotiations (annual visit volume ≥ 50)

2. Product depth interpretation:• Complex clause translation: Translate insurance clauses into customer-perceivable value points (e.g.,

"Guaranteed policy dividend locking mechanism" → "Ensure your children's study abroad funds are not affected by market fluctuations"）

• Competitive product penetration comparison: Create a three-dimensional comparison card (benefit demonstration/taxation/taxation/Cross-border liquidity),

Help RM use one page of paper to crack customer price comparison doubts

3. The final push for a deal:

• Real-time script support: Push customized scripts (such as

Customer raises a medical underwriting objection, instant push alternative solutions)

•

Architectural adjustments), reducing 30% of the intention to leave.