Mana sajakah dari pernyataan berikut yang dikategorikan sebagai strategi perusahaan asuransi:
PEMBAHASAN
Applications of an insurer’s strategic planning and operational planning for different functional areas.[1]
| Function | Strategic Planning | Operational Planning |
| Marketing | - Marketing identification and penetration
- Agency development strategy
- Product development
| - Advertising plans and promotions
- Agent commission plans
- Product introduction
- Annual sales forecasts
|
| Risk Selection | - Underwriting strategy
- Underwriting standards analysis
| - Underwriting targets and guidelines
- Reinsurance policies
|
| Customer Service | | - Policy issue procedures
- Service standards
- Policy processing alternatives
|
| Financial Planning | - Economic research and forecasting
- Capital adequacy
- Allocation of capital
| - Cash flow planning
- Product profitability goals
- Monthly forecast of expenses
- Tax planning
|
| Investment | - Investment strategy
- Risk analysis
- Legal restrictions
| - Performance planning
- Legal restrictions
- Liquidity planning
|
| Human Resources | - Long-term personnel requirements
- Personnel policies
| - Current-year recruiting plans
- Fiscal-year wage and salary plans
- Job design and analysis
|
| Electronic Data Processing | - Systems architecture
- Long-term capacity requirements
| - Software needs
- Personal computer and hardware requirements
- Short-term capacity requirements
|
Jawaban: d. iii, iv
[1] Mulligan, E. and Stone, G. (1997). Accounting and financial reporting in life and health insurance companies. Atlanta, Ga.: Life Management Institute, LOMA.
