모두의보험 - A.I 기반 모든 보험 비교 분석

Everyone's Insurance
‘Good insurance’ A.I that is beneficial to you

Your insurance may not be the best design.
‘For someone else’s commission’, ‘Because it is an easy-to-sell product’, ‘By putting it in the middle of selling it’
Now, Everyone’s Insurance analyzes/suggests ‘good insurance’ that is beneficial to you.
‘Let’s find insurance that is cheap and has good coverage!’ This is also why I created this app.

Don't be surprised if the amount is lower than your existing insurance premium.
Because honest A.I optimizes and combines them for you.
‘Let’s find the good combination that suits you!’ This is the reason for the existence of this app.
Everyone’s Insurance imports and analyzes all insurance products currently sold in real time.


1. Function description
Everyone’s Insurance provides various functions to users.

(1) A.I insurance analysis
If you enter your date of birth / name / gender / preference type, A.I will design insurance optimized for you. Compare it with your existing insurance.

(2) Insurance analysis by age group
If you enter your age/gender/preference type, AI will design and show you insurance appropriate for your age group. You can quickly find out the insurance amount / coverage details for representative age groups.

(3) Direct insurance analysis
Based on the insurance contents designed by A.I., users can design their own coverage by adding/deleting/changing insurance. When you want to design your own special insurance, you can view the list of all insurance policies and have it professionally designed.



2. Insurance companies that Everybody's Insurance uses for analysis
(1) Life insurance company
Hanwha Life Insurance
ABL Life Insurance
samsung life insurance
Heungkuk Life Insurance
Kyobo Life Insurance
Shinhan Life
DB Life Insurance
KDB Life Insurance
Mirae Asset Life Insurance
Oriental Life Insurance
MetLife Life Insurance
Chubb Life Life Insurance
DGB Life Insurance
KB Life Insurance
Lina Life Insurance
AIA Life Insurance
one life insurance
Fubon Hyundai Life Insurance
BNP Paribas Cardiff Life Insurance
IBK Pension Insurance
Nonghyup Life Insurance

(2) Non-life insurance company
Meritz Fire & Marine Insurance
Hanwha Non-Life Insurance
Lotte Non-Life Insurance
MG Non-Life Insurance
Heungkuk Fire & Marine Insurance Marine Insurance
Samsung Fire & Marine Insurance Marine Insurance
Hyundai Marine & Fire Insurance
KB Insurance
DB Damage Insurance
AXA Property & Casualty Insurance
AIG Property & Casualty Insurance
Ace Property & Casualty Insurance
Hana Damage Insurance
Shinhan EZ Non-Life Insurance
Nonghyup Insurance


3. Insurance classification of everyone's insurance
(1) Long-term coverage insurance
fire insurance
comprehensive insurance
driver insurance
children's insurance
dental insurance
Nursing/Dementia Insurance
cancer insurance
accident insurance
disease insurance

(2) Long-term savings insurance
Long-term fire and comprehensive insurance
Long-term accident insurance and others
pension savings insurance

(3) Actual cost medical insurance
4th generation actual loss medical insurance
Actual loss medical insurance for old age
Actual loss insurance for those with a medical history


4. Insurance Evaluation Index Description
Everybody's Insurance A.I creates and evaluates/recommends the index below for objective evaluation of individual insurance.

(1) Insurance Price Index
It is calculated by dividing the net insurance premium by the total operating cost.
It indicates how much of the collected insurance premiums was spent on consumers and used for business expenses. The lower the insurance premium, the more beneficial it is to the consumer.

(2) Monthly insurance premium index
It is calculated by dividing the monthly premium of the selected insurance by the average monthly premium of similar insurance. The lower the premium, the lower the insurance premium.

(3) Maximum guaranteed index
This is calculated by dividing the maximum coverage amount of the selected policy by the maximum coverage amount of the same policy. The higher it is, the higher the coverage is compared to other insurance policies.

(4) Coverage item index
This is calculated by dividing the number of coverages in the selected policy by the average number of coverages in similar policies. The higher it is, the higher the coverage is.

(5) Average coverage index
It is calculated by dividing the average amount per coverage of the selected policy by the average amount of coverage of similar policies. Higher means a higher amount per coverage.

(6) Why? Do we need this many exponents?
All of the above numbers are used in analysis to recommend better insurance to users.
If the maximum coverage amount is high but the probability of occurrence is too low, it may not be a good insurance policy.
Conversely, if the maximum guaranteed amount is average but the average guaranteed amount is high, it is a good insurance policy.
In order to recommend the optimal insurance to users in this way, Everyone's Insurance chose AI-based insurance analysis.
To that end, we created an index to objectively evaluate insurance.

(7) AI functions according to preference
Prefer low insurance premiums
Maximum coverage index, average coverage index, and coverage item index are not taken into account.
We find the optimal insurance for you based solely on the insurance price index and monthly premium.
Most renewable insurance plans with low monthly premiums are recommended.

Prefer a balance of premiums and coverage (recommended value)
We consider all indices to find the optimal insurance for you.
Both maturity and renewal types are considered and recommended.

prefer greater coverage
Find the insurance optimized for the user based only on the maximum coverage index, average coverage index, and coverage item index.
In most cases, it is recommended as a term insurance policy.


5. Happy Call
We understand the perceptions and evaluations users have of our helpline.
That's why Everyone's Insurance Happy Call is differentiated.

(1) We do not indiscriminately collect phone numbers.
We will only contact those who have thoroughly reviewed and applied for Happy Call.
We do not collect information and contact you simply because you have researched or analyzed insurance premiums.

(2) We have made every effort to manage personal information.
We take steps to ensure that the information you apply for Happy Call is managed so that it does not become the target of advertising/promotion.

(3) We never recommend any insurance other than the one you selected.
Only if you are unable to sign up due to medical history or circumstances, we will guide you to an insurance with a similar price and coverage. This is also not recommended if you do not want it.


6. A word of advice
We designed the user scenario after much thought and reference to the current status of insurance apps. We ask for your continued use, and for the development of the app, we would greatly appreciate it if you could write your thoughts on using it without any addition or subtraction. thank you