东京 -- 日本住友生命保险将从下一个财政年度开始，为销售代理人提供一套人工智能系统，能够快速推荐符合个别客户需求的保险产品。
TOKYO -- Japan's Sumitomo Life Insurance will provide sales agents with an artificial intelligence system that can quickly propose insurance products tailored to an individual customer's needs, starting next fiscal year.
这将是日本保险业首个全面支持从挖掘客户需求到签订合同等所有环节的AI系统。
This will be the first AI system in country's insurance industry that comprehensively supports all stages of the process, from determining customer needs to contractg.
金融厅将于2028年3月1日起实施以客户利益为优先的保险销售规则。住友生命旨在利用AI应对这一变化，同时减轻销售人员的负担。该公司还预期，随着代理人系统的改进，其产品销售将会增加。
The Financial Services Agency will implement insurance sales rules that prioritize customer interest from March 1, 2028. By utilizing AI, Sumitomo Life aims to respond to these changes while reducing the burden on sales staff. It also anticipates sales of its products will increase as agents improve their systems.
该系统将采用Finatext Holdings子公司Finatext的AI技术，以及大型保险代理机构IRRC Corp.的产品数据。目标用户是代销多家保险公司产品的代理人。保险销售专业知识有限的地方银行分行将成为首批用户之一。日经集团是Finatext Holdings的投资方。
The system will use AI technology from Finatext, a subsidiary of Finatext Holdings, and product data from IRRC Corp., a major insurance agency. The target users are agents that handle products from multiple insurance companies. Regional bank branches with limited insurance sales expertise will be among the first users. Nikkei is an investor in Finatext Holdings.
保险销售人员将收集客户的收入、未来顾虑及期望保障等信息，并录入系统。AI随后会提出追加问题，并推荐最优保险产品。例如，当客户生育子女时，系统会建议增加寿险保额；当客户领取退休金时，则会推荐储蓄型保险。
Insurance salespeople will gather information about customers' income, future concerns and desired coverage, inputting the information into the system. The AI then prompts with additional questions and suggests optimal insurance products. For example, it might encourage customers to increase their life insurance coverage when a child is born, or recommend savings insurance when a retirement fund is received.
以往，仅审查客户现有的保险单每份合同就需耗时约一小时，如今可缩短至约五分钟。IRRC的系统收录了约1600款保险产品和6200款附加险，使AI能够分析日本几乎所有的保险合同。这确保了不会遗漏任何符合客户需求的产品。
Previously, simply reviewing a customer's existing insurance policies took about an hour per contract, but this can now be reduced to about five minutes. IRRC has information on approximately 1,600 insurance products and 6,200 riders within its system, allowing the AI to analyze almost all insurance contracts in Japan. This ensures that no product matching the customer's needs is missed.
销售人员仍会对提案进行最终解释，并确认客户的理解情况。直至合同签署完成的整个对话过程均记录在系统中，以便核实销售行为是否得当。
The salesperson still provides a final explanation of the proposal and confirms the customer's understanding. The entire conversation leading up to contract completion is recorded in the system, allowing for verification of appropriate sales practices.