Rely on traditional direct marketing business of insurance sales model is weak, and insurance products of a single, industry imitation of a high rate, lack of innovation.

传统的依靠业务人员直接推销保险单的销售模式显得势单力薄，保险产品单一，同业间模仿率高，创新性不足。

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That means limiting competition and thwarting innovation in the kinds of insurance products that people will have access to.

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