因COVID-19疫情自2019年12月以來逐漸於世界各地傳播開來，保險業面臨了前所未有的挑戰，因為疫情造成經濟成長趨緩，令消費者改變了原本的資金配置，宣告利率下降導致保險利變商品的銷售不易，而人們不在出國旅遊或是出差也造成旅行險的銷售業績下滑，也因為疫情進入三級警戒，消費者選擇盡量不出門待在家，此時宅經濟開始盛行，消費行為也因為疫情關係開始改變，由原本的實體購物紛紛改為網路購物。這對保險業勢必也是一種銷售上的改變。
　　本個案－N人壽為一家人壽保險公司，當金管會於2021年5月25日公布「壽險業因應新冠肺炎疫情服務涉親晤親簽與紙本作業之暫行原則」，立即成立了遠距投保專案，此時各家保險公司都在思考如何於最短的時間點發展出遠距投保的服務，讓保險銷售行為得以持續進行，同時解決保險公司業績、業務員的生計與消費者的保險需求問題，創造出三方面的共贏局面。
　　本個案公司數位轉型起步較慢，無法於眾多競爭保險公司中獲得優先試辦，一開始的專案計畫就缺乏核心思考，沒有從長遠系統發展著手，且因整個專案系統開發過程中加入過多的合作廠商，造成系統串接困難，導致遠距投保試辦遲遲無法上線。本個案分為本文內容和教學指導手冊兩部分，藉由個案分析討論藉此培養領導者的宏觀決策思維透過本案例討論，提供經營管理者級領導者，透過客觀的分析個案情境，若日後遇到類似情境時，能從個案中獲得不同的啟發、增加思考的層面，確保執行的決策可以成功。

The worldwide outbreak of the coronavirus (COVID-19) since December 2019 has posed an unprecedented challenge for the insurance industry in Taiwan. As the continuous spread slows down the economic growth, consumers have made changes to their asset allocation accordingly. While it has become harder to sell interest-sensitive products as the credit interest rate decreased, travel insurance was also hit hard because of the suspension of international travel/business trips. After Taiwan entered level 3 COVID alert in May 2021, consumers started to avoid unnecessary trips outside and spend most of their time at home. Stay-at-home economy has prevailed therefore as people started to shop online more often instead of going physical store shopping. Therefore, it is imperative for the insurance companies to alter their sales strategies and rethink whether their online insurance services are comprehensive enough to accommodate the changes.
After Taiwan entered level 3 COVID alert in May 2021, the Financial Supervisory Commission announced "Temporary Principles in Response to the Coronavirus Outbreak for Life Insurance Companies When Providing Services Involving In-person Signatures and Paperwork" on May 25th, 2021. The principles are meant to serve as a temporary measure for insurance business operations and a guidance for providing customer services in order to minimize the COVID-19 impact on policy solicitation, underwriting, customer retention and claim operations where in-person signature or hard copies are mandatory. Therefore, it has become a tough and pressing problem for every insurance company in Taiwan to come up with a remote insurance solution within the shortest time possible to sell policies during COVID in order to create a win-win situation -- for insurance companies to maintain sales, for agents to make a living and for consumers to get the coverage they need.

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