id	sid	tid	token	lemma	pos
fbem-18298	1	1	frontiers	frontier	NOUN
fbem-18298	1	2	in	in	ADP
fbem-18298	1	3	business	business	NOUN
fbem-18298	1	4	,	,	PUNCT
fbem-18298	1	5	economics	economic	NOUN
fbem-18298	1	6	and	and	CCONJ
fbem-18298	1	7	management	management	NOUN
fbem-18298	1	8	issn	issn	PROPN
fbem-18298	1	9	:	:	PUNCT
fbem-18298	1	10	2766	2766	NUM
fbem-18298	1	11	-	-	PUNCT
fbem-18298	1	12	824x	824x	NUM
fbem-18298	1	13	|	|	ADJ
fbem-18298	1	14	vol	vol	NOUN
fbem-18298	1	15	.	.	PROPN
fbem-18298	1	16	13	13	NUM
fbem-18298	1	17	,	,	PUNCT
fbem-18298	1	18	no	no	INTJ
fbem-18298	1	19	.	.	NOUN
fbem-18298	1	20	3	3	NUM
fbem-18298	1	21	,	,	PUNCT
fbem-18298	1	22	2024	2024	NUM
fbem-18298	1	23	319	319	NUM
fbem-18298	1	24	research	research	NOUN
fbem-18298	1	25	on	on	ADP
fbem-18298	1	26	the	the	DET
fbem-18298	1	27	impact	impact	NOUN
fbem-18298	1	28	of	of	ADP
fbem-18298	1	29	internet	internet	NOUN
fbem-18298	1	30	sales	sale	NOUN
fbem-18298	1	31	on	on	ADP
fbem-18298	1	32	the	the	DET
fbem-18298	1	33	rate	rate	NOUN
fbem-18298	1	34	determination	determination	NOUN
fbem-18298	1	35	of	of	ADP
fbem-18298	1	36	commercial	commercial	ADJ
fbem-18298	1	37	insurance	insurance	NOUN
fbem-18298	1	38	in	in	ADP
fbem-18298	1	39	china	china	PROPN
fbem-18298	1	40	weisen	weisen	PROPN
fbem-18298	1	41	liu1	liu1	PROPN
fbem-18298	1	42	,	,	PUNCT
fbem-18298	1	43	2	2	NUM
fbem-18298	1	44	,	,	PUNCT
fbem-18298	1	45	*	*	PROPN
fbem-18298	1	46	1university	1university	NUM
fbem-18298	1	47	of	of	ADP
fbem-18298	1	48	san	san	PROPN
fbem-18298	1	49	carlos	carlos	PROPN
fbem-18298	1	50	,	,	PUNCT
fbem-18298	1	51	cebu	cebu	NOUN
fbem-18298	1	52	,	,	PUNCT
fbem-18298	1	53	ph	ph	PROPN
fbem-18298	1	54	2	2	NUM
fbem-18298	1	55	china	china	PROPN
fbem-18298	1	56	life	life	NOUN
fbem-18298	1	57	property	property	PROPN
fbem-18298	1	58	&	&	CCONJ
fbem-18298	1	59	casualty	casualty	PROPN
fbem-18298	1	60	insurance	insurance	NOUN
fbem-18298	1	61	company	company	NOUN
fbem-18298	1	62	limited	limit	VERB
fbem-18298	1	63	,	,	PUNCT
fbem-18298	1	64	hunan	hunan	PROPN
fbem-18298	1	65	,	,	PUNCT
fbem-18298	1	66	cn	cn	PROPN
fbem-18298	1	67	*	*	PUNCT
fbem-18298	1	68	corresponding	correspond	VERB
fbem-18298	1	69	author	author	NOUN
fbem-18298	1	70	:	:	PUNCT
fbem-18298	2	1	shen	shen	PROPN
fbem-18298	2	2	haowei	haowei	PROPN
fbem-18298	2	3	(	(	PUNCT
fbem-18298	2	4	email	email	NOUN
fbem-18298	2	5	:	:	PUNCT
fbem-18298	2	6	33033123@qq.com	33033123@qq.com	NUM
fbem-18298	2	7	)	)	PUNCT
fbem-18298	2	8	abstract	abstract	NOUN
fbem-18298	2	9	:	:	PUNCT
fbem-18298	2	10	in	in	ADP
fbem-18298	2	11	the	the	DET
fbem-18298	2	12	dynamic	dynamic	ADJ
fbem-18298	2	13	landscape	landscape	NOUN
fbem-18298	2	14	of	of	ADP
fbem-18298	2	15	the	the	DET
fbem-18298	2	16	chinese	chinese	ADJ
fbem-18298	2	17	commercial	commercial	ADJ
fbem-18298	2	18	insurance	insurance	NOUN
fbem-18298	2	19	market	market	NOUN
fbem-18298	2	20	,	,	PUNCT
fbem-18298	2	21	the	the	DET
fbem-18298	2	22	escalating	escalate	VERB
fbem-18298	2	23	prevalence	prevalence	NOUN
fbem-18298	2	24	of	of	ADP
fbem-18298	2	25	internet	internet	NOUN
fbem-18298	2	26	sales	sale	NOUN
fbem-18298	2	27	has	have	AUX
fbem-18298	2	28	triggered	trigger	VERB
fbem-18298	2	29	a	a	DET
fbem-18298	2	30	comprehensive	comprehensive	ADJ
fbem-18298	2	31	exploration	exploration	NOUN
fbem-18298	2	32	into	into	ADP
fbem-18298	2	33	the	the	DET
fbem-18298	2	34	intricacies	intricacy	NOUN
fbem-18298	2	35	of	of	ADP
fbem-18298	2	36	premium	premium	ADJ
fbem-18298	2	37	determination	determination	NOUN
fbem-18298	2	38	.	.	PUNCT
fbem-18298	3	1	this	this	DET
fbem-18298	3	2	study	study	NOUN
fbem-18298	3	3	delves	delve	VERB
fbem-18298	3	4	into	into	ADP
fbem-18298	3	5	the	the	DET
fbem-18298	3	6	multifaceted	multifaceted	ADJ
fbem-18298	3	7	influence	influence	NOUN
fbem-18298	3	8	of	of	ADP
fbem-18298	3	9	internet	internet	NOUN
fbem-18298	3	10	sales	sale	NOUN
fbem-18298	3	11	on	on	ADP
fbem-18298	3	12	commercial	commercial	ADJ
fbem-18298	3	13	insurance	insurance	NOUN
fbem-18298	3	14	rates	rate	NOUN
fbem-18298	3	15	,	,	PUNCT
fbem-18298	3	16	employing	employ	VERB
fbem-18298	3	17	a	a	DET
fbem-18298	3	18	blend	blend	NOUN
fbem-18298	3	19	of	of	ADP
fbem-18298	3	20	theoretical	theoretical	ADJ
fbem-18298	3	21	analysis	analysis	NOUN
fbem-18298	3	22	and	and	CCONJ
fbem-18298	3	23	empirical	empirical	ADJ
fbem-18298	3	24	investigation	investigation	NOUN
fbem-18298	3	25	.	.	PUNCT
fbem-18298	4	1	the	the	DET
fbem-18298	4	2	research	research	NOUN
fbem-18298	4	3	unveils	unveil	VERB
fbem-18298	4	4	substantial	substantial	ADJ
fbem-18298	4	5	effects	effect	NOUN
fbem-18298	4	6	on	on	ADP
fbem-18298	4	7	market	market	NOUN
fbem-18298	4	8	competition	competition	NOUN
fbem-18298	4	9	,	,	PUNCT
fbem-18298	4	10	consumer	consumer	NOUN
fbem-18298	4	11	behavior	behavior	NOUN
fbem-18298	4	12	,	,	PUNCT
fbem-18298	4	13	and	and	CCONJ
fbem-18298	4	14	strategic	strategic	ADJ
fbem-18298	4	15	decisions	decision	NOUN
fbem-18298	4	16	of	of	ADP
fbem-18298	4	17	insurers	insurer	NOUN
fbem-18298	4	18	.	.	PUNCT
fbem-18298	5	1	the	the	DET
fbem-18298	5	2	insights	insight	NOUN
fbem-18298	5	3	derived	derive	VERB
fbem-18298	5	4	not	not	PART
fbem-18298	5	5	only	only	ADV
fbem-18298	5	6	contribute	contribute	VERB
fbem-18298	5	7	to	to	ADP
fbem-18298	5	8	the	the	DET
fbem-18298	5	9	refinement	refinement	NOUN
fbem-18298	5	10	of	of	ADP
fbem-18298	5	11	regulatory	regulatory	ADJ
fbem-18298	5	12	frameworks	framework	NOUN
fbem-18298	5	13	but	but	CCONJ
fbem-18298	5	14	also	also	ADV
fbem-18298	5	15	offer	offer	VERB
fbem-18298	5	16	valuable	valuable	ADJ
fbem-18298	5	17	guidance	guidance	NOUN
fbem-18298	5	18	to	to	ADP
fbem-18298	5	19	insurers	insurer	NOUN
fbem-18298	5	20	,	,	PUNCT
fbem-18298	5	21	empowering	empower	VERB
fbem-18298	5	22	consumers	consumer	NOUN
fbem-18298	5	23	in	in	ADP
fbem-18298	5	24	navigating	navigate	VERB
fbem-18298	5	25	the	the	DET
fbem-18298	5	26	evolving	evolve	VERB
fbem-18298	5	27	complexities	complexity	NOUN
fbem-18298	5	28	of	of	ADP
fbem-18298	5	29	commercial	commercial	ADJ
fbem-18298	5	30	insurance	insurance	NOUN
fbem-18298	5	31	in	in	ADP
fbem-18298	5	32	china	china	PROPN
fbem-18298	5	33	.	.	PUNCT
fbem-18298	6	1	keywords	keyword	NOUN
fbem-18298	6	2	:	:	PUNCT
fbem-18298	6	3	internet	internet	NOUN
fbem-18298	6	4	sales	sale	NOUN
fbem-18298	6	5	;	;	PUNCT
fbem-18298	6	6	commercial	commercial	ADJ
fbem-18298	6	7	insurance	insurance	NOUN
fbem-18298	6	8	;	;	PUNCT
fbem-18298	6	9	rate	rate	NOUN
fbem-18298	6	10	determination	determination	NOUN
fbem-18298	6	11	;	;	PUNCT
fbem-18298	6	12	impact	impact	NOUN
fbem-18298	6	13	study	study	NOUN
fbem-18298	6	14	.	.	PUNCT
fbem-18298	7	1	1	1	X
fbem-18298	7	2	.	.	X
fbem-18298	7	3	introduction	introduction	NOUN
fbem-18298	7	4	in	in	ADP
fbem-18298	7	5	recent	recent	ADJ
fbem-18298	7	6	decades	decade	NOUN
fbem-18298	7	7	,	,	PUNCT
fbem-18298	7	8	the	the	DET
fbem-18298	7	9	landscape	landscape	NOUN
fbem-18298	7	10	of	of	ADP
fbem-18298	7	11	commercial	commercial	ADJ
fbem-18298	7	12	insurance	insurance	NOUN
fbem-18298	7	13	in	in	ADP
fbem-18298	7	14	china	china	PROPN
fbem-18298	7	15	has	have	AUX
fbem-18298	7	16	undergone	undergo	VERB
fbem-18298	7	17	a	a	DET
fbem-18298	7	18	profound	profound	ADJ
fbem-18298	7	19	metamorphosis	metamorphosis	NOUN
fbem-18298	7	20	,	,	PUNCT
fbem-18298	7	21	propelled	propel	VERB
fbem-18298	7	22	by	by	ADP
fbem-18298	7	23	rapid	rapid	ADJ
fbem-18298	7	24	technological	technological	ADJ
fbem-18298	7	25	advancements	advancement	NOUN
fbem-18298	7	26	and	and	CCONJ
fbem-18298	7	27	transformative	transformative	ADJ
fbem-18298	7	28	shifts	shift	NOUN
fbem-18298	7	29	in	in	ADP
fbem-18298	7	30	consumer	consumer	NOUN
fbem-18298	7	31	behavior	behavior	NOUN
fbem-18298	7	32	.	.	PUNCT
fbem-18298	8	1	the	the	DET
fbem-18298	8	2	advent	advent	NOUN
fbem-18298	8	3	of	of	ADP
fbem-18298	8	4	internet	internet	NOUN
fbem-18298	8	5	sales	sale	NOUN
fbem-18298	8	6	has	have	AUX
fbem-18298	8	7	emerged	emerge	VERB
fbem-18298	8	8	as	as	ADP
fbem-18298	8	9	a	a	DET
fbem-18298	8	10	disruptive	disruptive	ADJ
fbem-18298	8	11	force	force	NOUN
fbem-18298	8	12	,	,	PUNCT
fbem-18298	8	13	reshaping	reshape	VERB
fbem-18298	8	14	traditional	traditional	ADJ
fbem-18298	8	15	business	business	NOUN
fbem-18298	8	16	models	model	NOUN
fbem-18298	8	17	,	,	PUNCT
fbem-18298	8	18	redefining	redefine	VERB
fbem-18298	8	19	market	market	NOUN
fbem-18298	8	20	dynamics	dynamic	NOUN
fbem-18298	8	21	,	,	PUNCT
fbem-18298	8	22	and	and	CCONJ
fbem-18298	8	23	revolutionizing	revolutionize	VERB
fbem-18298	8	24	the	the	DET
fbem-18298	8	25	way	way	NOUN
fbem-18298	8	26	insurance	insurance	NOUN
fbem-18298	8	27	products	product	NOUN
fbem-18298	8	28	are	be	AUX
fbem-18298	8	29	bought	buy	VERB
fbem-18298	8	30	and	and	CCONJ
fbem-18298	8	31	sold	sell	VERB
fbem-18298	8	32	.	.	PUNCT
fbem-18298	9	1	this	this	DET
fbem-18298	9	2	chapter	chapter	NOUN
fbem-18298	9	3	delves	delve	VERB
fbem-18298	9	4	into	into	ADP
fbem-18298	9	5	the	the	DET
fbem-18298	9	6	multifaceted	multifaceted	ADJ
fbem-18298	9	7	evolution	evolution	NOUN
fbem-18298	9	8	of	of	ADP
fbem-18298	9	9	internet	internet	NOUN
fbem-18298	9	10	sales	sale	NOUN
fbem-18298	9	11	in	in	ADP
fbem-18298	9	12	the	the	DET
fbem-18298	9	13	commercial	commercial	ADJ
fbem-18298	9	14	insurance	insurance	NOUN
fbem-18298	9	15	sector	sector	NOUN
fbem-18298	9	16	,	,	PUNCT
fbem-18298	9	17	tracing	trace	VERB
fbem-18298	9	18	its	its	PRON
fbem-18298	9	19	trajectory	trajectory	NOUN
fbem-18298	9	20	from	from	ADP
fbem-18298	9	21	nascent	nascent	ADJ
fbem-18298	9	22	experimentation	experimentation	NOUN
fbem-18298	9	23	to	to	ADP
fbem-18298	9	24	pervasive	pervasive	ADJ
fbem-18298	9	25	ubiquity	ubiquity	NOUN
fbem-18298	9	26	,	,	PUNCT
fbem-18298	9	27	and	and	CCONJ
fbem-18298	9	28	elucidates	elucidate	VERB
fbem-18298	9	29	the	the	DET
fbem-18298	9	30	underlying	underlie	VERB
fbem-18298	9	31	drivers	driver	NOUN
fbem-18298	9	32	,	,	PUNCT
fbem-18298	9	33	implications	implication	NOUN
fbem-18298	9	34	,	,	PUNCT
fbem-18298	9	35	and	and	CCONJ
fbem-18298	9	36	imperatives	imperative	NOUN
fbem-18298	9	37	driving	drive	VERB
fbem-18298	9	38	this	this	DET
fbem-18298	9	39	paradigm	paradigm	NOUN
fbem-18298	9	40	shift	shift	NOUN
fbem-18298	9	41	.	.	PUNCT
fbem-18298	10	1	1.1	1.1	NUM
fbem-18298	10	2	.	.	PUNCT
fbem-18298	11	1	emergence	emergence	NOUN
fbem-18298	11	2	of	of	ADP
fbem-18298	11	3	internet	internet	NOUN
fbem-18298	11	4	sales	sale	NOUN
fbem-18298	11	5	in	in	ADP
fbem-18298	11	6	commercial	commercial	ADJ
fbem-18298	11	7	insurance	insurance	NOUN
fbem-18298	11	8	:	:	PUNCT
fbem-18298	11	9	the	the	DET
fbem-18298	11	10	genesis	genesis	NOUN
fbem-18298	11	11	of	of	ADP
fbem-18298	11	12	internet	internet	NOUN
fbem-18298	11	13	sales	sale	NOUN
fbem-18298	11	14	in	in	ADP
fbem-18298	11	15	commercial	commercial	ADJ
fbem-18298	11	16	insurance	insurance	NOUN
fbem-18298	11	17	can	can	AUX
fbem-18298	11	18	be	be	AUX
fbem-18298	11	19	traced	trace	VERB
fbem-18298	11	20	back	back	ADV
fbem-18298	11	21	to	to	ADP
fbem-18298	11	22	the	the	DET
fbem-18298	11	23	turn	turn	NOUN
fbem-18298	11	24	of	of	ADP
fbem-18298	11	25	the	the	DET
fbem-18298	11	26	millennium	millennium	NOUN
fbem-18298	11	27	,	,	PUNCT
fbem-18298	11	28	when	when	SCONJ
fbem-18298	11	29	pioneering	pioneer	VERB
fbem-18298	11	30	insurers	insurer	NOUN
fbem-18298	11	31	began	begin	VERB
fbem-18298	11	32	exploring	explore	VERB
fbem-18298	11	33	the	the	DET
fbem-18298	11	34	potential	potential	NOUN
fbem-18298	11	35	of	of	ADP
fbem-18298	11	36	online	online	ADJ
fbem-18298	11	37	distribution	distribution	NOUN
fbem-18298	11	38	channels	channel	NOUN
fbem-18298	11	39	to	to	PART
fbem-18298	11	40	expand	expand	VERB
fbem-18298	11	41	their	their	PRON
fbem-18298	11	42	market	market	NOUN
fbem-18298	11	43	reach	reach	VERB
fbem-18298	11	44	and	and	CCONJ
fbem-18298	11	45	enhance	enhance	VERB
fbem-18298	11	46	customer	customer	NOUN
fbem-18298	11	47	engagement	engagement	NOUN
fbem-18298	11	48	.	.	PUNCT
fbem-18298	12	1	initially	initially	ADV
fbem-18298	12	2	met	meet	VERB
fbem-18298	12	3	with	with	ADP
fbem-18298	12	4	skepticism	skepticism	NOUN
fbem-18298	12	5	and	and	CCONJ
fbem-18298	12	6	apprehension	apprehension	NOUN
fbem-18298	12	7	,	,	PUNCT
fbem-18298	12	8	internet	internet	NOUN
fbem-18298	12	9	sales	sale	NOUN
fbem-18298	12	10	gained	gain	VERB
fbem-18298	12	11	momentum	momentum	NOUN
fbem-18298	12	12	as	as	SCONJ
fbem-18298	12	13	consumers	consumer	NOUN
fbem-18298	12	14	embraced	embrace	VERB
fbem-18298	12	15	the	the	DET
fbem-18298	12	16	convenience	convenience	NOUN
fbem-18298	12	17	,	,	PUNCT
fbem-18298	12	18	accessibility	accessibility	NOUN
fbem-18298	12	19	,	,	PUNCT
fbem-18298	12	20	and	and	CCONJ
fbem-18298	12	21	transparency	transparency	NOUN
fbem-18298	12	22	offered	offer	VERB
fbem-18298	12	23	by	by	ADP
fbem-18298	12	24	digital	digital	ADJ
fbem-18298	12	25	platforms	platform	NOUN
fbem-18298	12	26	.	.	PUNCT
fbem-18298	13	1	from	from	ADP
fbem-18298	13	2	rudimentary	rudimentary	ADJ
fbem-18298	13	3	websites	website	NOUN
fbem-18298	13	4	to	to	ADP
fbem-18298	13	5	sophisticated	sophisticated	ADJ
fbem-18298	13	6	e	e	NOUN
fbem-18298	13	7	-	-	NOUN
fbem-18298	13	8	commerce	commerce	NOUN
fbem-18298	13	9	portals	portal	NOUN
fbem-18298	13	10	,	,	PUNCT
fbem-18298	13	11	insurers	insurer	NOUN
fbem-18298	13	12	embarked	embark	VERB
fbem-18298	13	13	on	on	ADP
fbem-18298	13	14	a	a	DET
fbem-18298	13	15	journey	journey	NOUN
fbem-18298	13	16	of	of	ADP
fbem-18298	13	17	digital	digital	ADJ
fbem-18298	13	18	transformation	transformation	NOUN
fbem-18298	13	19	,	,	PUNCT
fbem-18298	13	20	leveraging	leverage	VERB
fbem-18298	13	21	emerging	emerge	VERB
fbem-18298	13	22	technologies	technology	NOUN
fbem-18298	13	23	to	to	PART
fbem-18298	13	24	streamline	streamline	VERB
fbem-18298	13	25	sales	sale	NOUN
fbem-18298	13	26	processes	process	NOUN
fbem-18298	13	27	,	,	PUNCT
fbem-18298	13	28	personalize	personalize	VERB
fbem-18298	13	29	customer	customer	NOUN
fbem-18298	13	30	interactions	interaction	NOUN
fbem-18298	13	31	,	,	PUNCT
fbem-18298	13	32	and	and	CCONJ
fbem-18298	13	33	deliver	deliver	VERB
fbem-18298	13	34	seamless	seamless	ADJ
fbem-18298	13	35	user	user	NOUN
fbem-18298	13	36	experiences	experience	NOUN
fbem-18298	13	37	.	.	PUNCT
fbem-18298	14	1	1.2	1.2	NUM
fbem-18298	14	2	.	.	PUNCT
fbem-18298	14	3	evolutionary	evolutionary	ADJ
fbem-18298	14	4	trends	trend	NOUN
fbem-18298	14	5	and	and	CCONJ
fbem-18298	14	6	market	market	NOUN
fbem-18298	14	7	dynamics	dynamic	NOUN
fbem-18298	14	8	:	:	PUNCT
fbem-18298	14	9	the	the	DET
fbem-18298	14	10	evolution	evolution	NOUN
fbem-18298	14	11	of	of	ADP
fbem-18298	14	12	internet	internet	NOUN
fbem-18298	14	13	sales	sale	NOUN
fbem-18298	14	14	in	in	ADP
fbem-18298	14	15	commercial	commercial	ADJ
fbem-18298	14	16	insurance	insurance	NOUN
fbem-18298	14	17	has	have	AUX
fbem-18298	14	18	been	be	AUX
fbem-18298	14	19	characterized	characterize	VERB
fbem-18298	14	20	by	by	ADP
fbem-18298	14	21	a	a	DET
fbem-18298	14	22	series	series	NOUN
fbem-18298	14	23	of	of	ADP
fbem-18298	14	24	evolutionary	evolutionary	ADJ
fbem-18298	14	25	trends	trend	NOUN
fbem-18298	14	26	and	and	CCONJ
fbem-18298	14	27	market	market	NOUN
fbem-18298	14	28	dynamics	dynamic	NOUN
fbem-18298	14	29	,	,	PUNCT
fbem-18298	14	30	shaped	shape	VERB
fbem-18298	14	31	by	by	ADP
fbem-18298	14	32	technological	technological	ADJ
fbem-18298	14	33	innovation	innovation	NOUN
fbem-18298	14	34	,	,	PUNCT
fbem-18298	14	35	regulatory	regulatory	ADJ
fbem-18298	14	36	reforms	reform	NOUN
fbem-18298	14	37	,	,	PUNCT
fbem-18298	14	38	and	and	CCONJ
fbem-18298	14	39	shifting	shift	VERB
fbem-18298	14	40	consumer	consumer	NOUN
fbem-18298	14	41	preferences	preference	NOUN
fbem-18298	14	42	.	.	PUNCT
fbem-18298	15	1	over	over	ADP
fbem-18298	15	2	the	the	DET
fbem-18298	15	3	past	past	ADJ
fbem-18298	15	4	two	two	NUM
fbem-18298	15	5	decades	decade	NOUN
fbem-18298	15	6	,	,	PUNCT
fbem-18298	15	7	the	the	DET
fbem-18298	15	8	penetration	penetration	NOUN
fbem-18298	15	9	rate	rate	NOUN
fbem-18298	15	10	of	of	ADP
fbem-18298	15	11	internet	internet	NOUN
fbem-18298	15	12	insurance	insurance	NOUN
fbem-18298	15	13	sales	sale	NOUN
fbem-18298	15	14	has	have	AUX
fbem-18298	15	15	surged	surge	VERB
fbem-18298	15	16	exponentially	exponentially	ADV
fbem-18298	15	17	,	,	PUNCT
fbem-18298	15	18	fueled	fuel	VERB
fbem-18298	15	19	by	by	ADP
fbem-18298	15	20	factors	factor	NOUN
fbem-18298	15	21	such	such	ADJ
fbem-18298	15	22	as	as	ADP
fbem-18298	15	23	increasing	increase	VERB
fbem-18298	15	24	internet	internet	NOUN
fbem-18298	15	25	penetration	penetration	NOUN
fbem-18298	15	26	,	,	PUNCT
fbem-18298	15	27	rising	rise	VERB
fbem-18298	15	28	smartphone	smartphone	ADJ
fbem-18298	15	29	adoption	adoption	NOUN
fbem-18298	15	30	,	,	PUNCT
fbem-18298	15	31	and	and	CCONJ
fbem-18298	15	32	growing	grow	VERB
fbem-18298	15	33	consumer	consumer	NOUN
fbem-18298	15	34	trust	trust	NOUN
fbem-18298	15	35	in	in	ADP
fbem-18298	15	36	online	online	ADJ
fbem-18298	15	37	transactions	transaction	NOUN
fbem-18298	15	38	.	.	PUNCT
fbem-18298	16	1	according	accord	VERB
fbem-18298	16	2	to	to	ADP
fbem-18298	16	3	industry	industry	NOUN
fbem-18298	16	4	data	datum	NOUN
fbem-18298	16	5	,	,	PUNCT
fbem-18298	16	6	the	the	DET
fbem-18298	16	7	proportion	proportion	NOUN
fbem-18298	16	8	of	of	ADP
fbem-18298	16	9	insurance	insurance	NOUN
fbem-18298	16	10	premiums	premium	NOUN
fbem-18298	16	11	generated	generate	VERB
fbem-18298	16	12	through	through	ADP
fbem-18298	16	13	online	online	ADJ
fbem-18298	16	14	channels	channel	NOUN
fbem-18298	16	15	has	have	AUX
fbem-18298	16	16	witnessed	witness	VERB
fbem-18298	16	17	double	double	ADJ
fbem-18298	16	18	-	-	PUNCT
fbem-18298	16	19	digit	digit	NOUN
fbem-18298	16	20	growth	growth	NOUN
fbem-18298	16	21	year	year	NOUN
fbem-18298	16	22	-	-	PUNCT
fbem-18298	16	23	on	on	ADP
fbem-18298	16	24	-	-	PUNCT
fbem-18298	16	25	year	year	NOUN
fbem-18298	16	26	,	,	PUNCT
fbem-18298	16	27	outpacing	outpace	VERB
fbem-18298	16	28	traditional	traditional	ADJ
fbem-18298	16	29	distribution	distribution	NOUN
fbem-18298	16	30	channels	channel	NOUN
fbem-18298	16	31	and	and	CCONJ
fbem-18298	16	32	redefining	redefine	VERB
fbem-18298	16	33	industry	industry	NOUN
fbem-18298	16	34	benchmarks	benchmark	NOUN
fbem-18298	16	35	.	.	PUNCT
fbem-18298	17	1	1.3	1.3	NUM
fbem-18298	17	2	.	.	PUNCT
fbem-18298	18	1	drivers	driver	NOUN
fbem-18298	18	2	of	of	ADP
fbem-18298	18	3	internet	internet	NOUN
fbem-18298	18	4	sales	sale	NOUN
fbem-18298	18	5	adoption	adoption	NOUN
fbem-18298	18	6	:	:	PUNCT
fbem-18298	18	7	several	several	ADJ
fbem-18298	18	8	key	key	ADJ
fbem-18298	18	9	drivers	driver	NOUN
fbem-18298	18	10	have	have	AUX
fbem-18298	18	11	fueled	fuel	VERB
fbem-18298	18	12	the	the	DET
fbem-18298	18	13	rapid	rapid	ADJ
fbem-18298	18	14	adoption	adoption	NOUN
fbem-18298	18	15	of	of	ADP
fbem-18298	18	16	internet	internet	NOUN
fbem-18298	18	17	sales	sale	NOUN
fbem-18298	18	18	in	in	ADP
fbem-18298	18	19	commercial	commercial	ADJ
fbem-18298	18	20	insurance	insurance	NOUN
fbem-18298	18	21	,	,	PUNCT
fbem-18298	18	22	catalyzing	catalyze	VERB
fbem-18298	18	23	its	its	PRON
fbem-18298	18	24	ascent	ascent	NOUN
fbem-18298	18	25	from	from	ADP
fbem-18298	18	26	a	a	DET
fbem-18298	18	27	niche	niche	NOUN
fbem-18298	18	28	experiment	experiment	NOUN
fbem-18298	18	29	to	to	ADP
fbem-18298	18	30	a	a	DET
fbem-18298	18	31	mainstream	mainstream	ADJ
fbem-18298	18	32	distribution	distribution	NOUN
fbem-18298	18	33	channel	channel	NOUN
fbem-18298	18	34	.	.	PUNCT
fbem-18298	19	1	firstly	firstly	ADV
fbem-18298	19	2	,	,	PUNCT
fbem-18298	19	3	technological	technological	ADJ
fbem-18298	19	4	advancements	advancement	NOUN
fbem-18298	19	5	have	have	AUX
fbem-18298	19	6	democratized	democratize	VERB
fbem-18298	19	7	access	access	NOUN
fbem-18298	19	8	to	to	ADP
fbem-18298	19	9	information	information	NOUN
fbem-18298	19	10	and	and	CCONJ
fbem-18298	19	11	empowered	empower	VERB
fbem-18298	19	12	consumers	consumer	NOUN
fbem-18298	19	13	with	with	ADP
fbem-18298	19	14	greater	great	ADJ
fbem-18298	19	15	transparency	transparency	NOUN
fbem-18298	19	16	,	,	PUNCT
fbem-18298	19	17	choice	choice	NOUN
fbem-18298	19	18	,	,	PUNCT
fbem-18298	19	19	and	and	CCONJ
fbem-18298	19	20	control	control	NOUN
fbem-18298	19	21	over	over	ADP
fbem-18298	19	22	their	their	PRON
fbem-18298	19	23	insurance	insurance	NOUN
fbem-18298	19	24	purchases	purchase	NOUN
fbem-18298	19	25	.	.	PUNCT
fbem-18298	20	1	secondly	secondly	ADV
fbem-18298	20	2	,	,	PUNCT
fbem-18298	20	3	changing	change	VERB
fbem-18298	20	4	consumer	consumer	NOUN
fbem-18298	20	5	demographics	demographic	NOUN
fbem-18298	20	6	,	,	PUNCT
fbem-18298	20	7	particularly	particularly	ADV
fbem-18298	20	8	the	the	DET
fbem-18298	20	9	rise	rise	NOUN
fbem-18298	20	10	of	of	ADP
fbem-18298	20	11	digital	digital	ADJ
fbem-18298	20	12	-	-	PUNCT
fbem-18298	20	13	native	native	ADJ
fbem-18298	20	14	millennials	millennial	NOUN
fbem-18298	20	15	and	and	CCONJ
fbem-18298	20	16	generation	generation	NOUN
fbem-18298	20	17	z	z	PROPN
fbem-18298	20	18	,	,	PUNCT
fbem-18298	20	19	have	have	AUX
fbem-18298	20	20	fueled	fuel	VERB
fbem-18298	20	21	demand	demand	NOUN
fbem-18298	20	22	for	for	ADP
fbem-18298	20	23	digital	digital	ADJ
fbem-18298	20	24	-	-	PUNCT
fbem-18298	20	25	first	first	ADJ
fbem-18298	20	26	experiences	experience	NOUN
fbem-18298	20	27	and	and	CCONJ
fbem-18298	20	28	on	on	ADP
fbem-18298	20	29	-	-	PUNCT
fbem-18298	20	30	demand	demand	NOUN
fbem-18298	20	31	services	service	NOUN
fbem-18298	20	32	,	,	PUNCT
fbem-18298	20	33	driving	drive	VERB
fbem-18298	20	34	insurers	insurer	NOUN
fbem-18298	20	35	to	to	PART
fbem-18298	20	36	innovate	innovate	VERB
fbem-18298	20	37	and	and	CCONJ
fbem-18298	20	38	adapt	adapt	VERB
fbem-18298	20	39	to	to	ADP
fbem-18298	20	40	evolving	evolve	VERB
fbem-18298	20	41	customer	customer	NOUN
fbem-18298	20	42	expectations	expectation	NOUN
fbem-18298	20	43	.	.	PUNCT
fbem-18298	21	1	thirdly	thirdly	ADV
fbem-18298	21	2	,	,	PUNCT
fbem-18298	21	3	regulatory	regulatory	ADJ
fbem-18298	21	4	reforms	reform	NOUN
fbem-18298	21	5	aimed	aim	VERB
fbem-18298	21	6	at	at	ADP
fbem-18298	21	7	promoting	promote	VERB
fbem-18298	21	8	market	market	NOUN
fbem-18298	21	9	liberalization	liberalization	NOUN
fbem-18298	21	10	,	,	PUNCT
fbem-18298	21	11	consumer	consumer	NOUN
fbem-18298	21	12	protection	protection	NOUN
fbem-18298	21	13	,	,	PUNCT
fbem-18298	21	14	and	and	CCONJ
fbem-18298	21	15	fintech	fintech	NOUN
fbem-18298	21	16	innovation	innovation	NOUN
fbem-18298	21	17	have	have	AUX
fbem-18298	21	18	created	create	VERB
fbem-18298	21	19	an	an	DET
fbem-18298	21	20	enabling	enable	VERB
fbem-18298	21	21	environment	environment	NOUN
fbem-18298	21	22	for	for	SCONJ
fbem-18298	21	23	insurers	insurer	NOUN
fbem-18298	21	24	to	to	PART
fbem-18298	21	25	experiment	experiment	VERB
fbem-18298	21	26	with	with	ADP
fbem-18298	21	27	new	new	ADJ
fbem-18298	21	28	business	business	NOUN
fbem-18298	21	29	models	model	NOUN
fbem-18298	21	30	,	,	PUNCT
fbem-18298	21	31	digital	digital	ADJ
fbem-18298	21	32	technologies	technology	NOUN
fbem-18298	21	33	,	,	PUNCT
fbem-18298	21	34	and	and	CCONJ
fbem-18298	21	35	distribution	distribution	NOUN
fbem-18298	21	36	channels	channel	NOUN
fbem-18298	21	37	.	.	PUNCT
fbem-18298	22	1	1.4	1.4	NUM
fbem-18298	22	2	.	.	PUNCT
fbem-18298	22	3	implications	implication	NOUN
fbem-18298	22	4	for	for	ADP
fbem-18298	22	5	industry	industry	NOUN
fbem-18298	22	6	stakeholders	stakeholder	NOUN
fbem-18298	22	7	:	:	PUNCT
fbem-18298	22	8	the	the	DET
fbem-18298	22	9	proliferation	proliferation	NOUN
fbem-18298	22	10	of	of	ADP
fbem-18298	22	11	internet	internet	NOUN
fbem-18298	22	12	sales	sale	NOUN
fbem-18298	22	13	has	have	VERB
fbem-18298	22	14	profound	profound	ADJ
fbem-18298	22	15	implications	implication	NOUN
fbem-18298	22	16	for	for	ADP
fbem-18298	22	17	industry	industry	NOUN
fbem-18298	22	18	stakeholders	stakeholder	NOUN
fbem-18298	22	19	across	across	ADP
fbem-18298	22	20	the	the	DET
fbem-18298	22	21	commercial	commercial	ADJ
fbem-18298	22	22	insurance	insurance	NOUN
fbem-18298	22	23	value	value	NOUN
fbem-18298	22	24	chain	chain	NOUN
fbem-18298	22	25	,	,	PUNCT
fbem-18298	22	26	ranging	range	VERB
fbem-18298	22	27	from	from	ADP
fbem-18298	22	28	insurers	insurer	NOUN
fbem-18298	22	29	and	and	CCONJ
fbem-18298	22	30	intermediaries	intermediary	NOUN
fbem-18298	22	31	to	to	ADP
fbem-18298	22	32	regulators	regulator	NOUN
fbem-18298	22	33	and	and	CCONJ
fbem-18298	22	34	consumers	consumer	NOUN
fbem-18298	22	35	.	.	PUNCT
fbem-18298	23	1	for	for	ADP
fbem-18298	23	2	insurers	insurer	NOUN
fbem-18298	23	3	,	,	PUNCT
fbem-18298	23	4	internet	internet	NOUN
fbem-18298	23	5	sales	sale	NOUN
fbem-18298	23	6	represent	represent	VERB
fbem-18298	23	7	an	an	DET
fbem-18298	23	8	opportunity	opportunity	NOUN
fbem-18298	23	9	to	to	PART
fbem-18298	23	10	diversify	diversify	VERB
fbem-18298	23	11	distribution	distribution	NOUN
fbem-18298	23	12	channels	channel	NOUN
fbem-18298	23	13	,	,	PUNCT
fbem-18298	23	14	expand	expand	VERB
fbem-18298	23	15	market	market	NOUN
fbem-18298	23	16	reach	reach	NOUN
fbem-18298	23	17	,	,	PUNCT
fbem-18298	23	18	and	and	CCONJ
fbem-18298	23	19	enhance	enhance	VERB
fbem-18298	23	20	customer	customer	NOUN
fbem-18298	23	21	engagement	engagement	NOUN
fbem-18298	23	22	,	,	PUNCT
fbem-18298	23	23	while	while	SCONJ
fbem-18298	23	24	also	also	ADV
fbem-18298	23	25	posing	pose	VERB
fbem-18298	23	26	challenges	challenge	NOUN
fbem-18298	23	27	such	such	ADJ
fbem-18298	23	28	as	as	ADP
fbem-18298	23	29	channel	channel	NOUN
fbem-18298	23	30	conflict	conflict	NOUN
fbem-18298	23	31	,	,	PUNCT
fbem-18298	23	32	data	datum	NOUN
fbem-18298	23	33	privacy	privacy	NOUN
fbem-18298	23	34	risks	risk	NOUN
fbem-18298	23	35	,	,	PUNCT
fbem-18298	23	36	and	and	CCONJ
fbem-18298	23	37	cybersecurity	cybersecurity	NOUN
fbem-18298	23	38	threats	threat	NOUN
fbem-18298	23	39	.	.	PUNCT
fbem-18298	24	1	for	for	ADP
fbem-18298	24	2	intermediaries	intermediary	NOUN
fbem-18298	24	3	,	,	PUNCT
fbem-18298	24	4	the	the	DET
fbem-18298	24	5	rise	rise	NOUN
fbem-18298	24	6	of	of	ADP
fbem-18298	24	7	internet	internet	NOUN
fbem-18298	24	8	sales	sale	NOUN
fbem-18298	24	9	necessitates	necessitate	VERB
fbem-18298	24	10	a	a	DET
fbem-18298	24	11	reevaluation	reevaluation	NOUN
fbem-18298	24	12	of	of	ADP
fbem-18298	24	13	traditional	traditional	ADJ
fbem-18298	24	14	business	business	NOUN
fbem-18298	24	15	models	model	NOUN
fbem-18298	24	16	,	,	PUNCT
fbem-18298	24	17	value	value	NOUN
fbem-18298	24	18	propositions	proposition	NOUN
fbem-18298	24	19	,	,	PUNCT
fbem-18298	24	20	and	and	CCONJ
fbem-18298	24	21	competitive	competitive	ADJ
fbem-18298	24	22	strategies	strategy	NOUN
fbem-18298	24	23	,	,	PUNCT
fbem-18298	24	24	with	with	ADP
fbem-18298	24	25	a	a	DET
fbem-18298	24	26	shift	shift	NOUN
fbem-18298	24	27	towards	towards	ADP
fbem-18298	24	28	advisory	advisory	ADJ
fbem-18298	24	29	services	service	NOUN
fbem-18298	24	30	,	,	PUNCT
fbem-18298	24	31	niche	niche	NOUN
fbem-18298	24	32	markets	market	NOUN
fbem-18298	24	33	,	,	PUNCT
fbem-18298	24	34	and	and	CCONJ
fbem-18298	24	35	value	value	NOUN
fbem-18298	24	36	-	-	PUNCT
fbem-18298	24	37	added	add	VERB
fbem-18298	24	38	solutions	solution	NOUN
fbem-18298	24	39	.	.	PUNCT
fbem-18298	25	1	for	for	ADP
fbem-18298	25	2	regulators	regulator	NOUN
fbem-18298	25	3	,	,	PUNCT
fbem-18298	25	4	internet	internet	NOUN
fbem-18298	25	5	sales	sale	NOUN
fbem-18298	25	6	present	present	VERB
fbem-18298	25	7	opportunities	opportunity	NOUN
fbem-18298	25	8	to	to	PART
fbem-18298	25	9	promote	promote	VERB
fbem-18298	25	10	market	market	NOUN
fbem-18298	25	11	efficiency	efficiency	NOUN
fbem-18298	25	12	,	,	PUNCT
fbem-18298	25	13	consumer	consumer	NOUN
fbem-18298	25	14	empowerment	empowerment	NOUN
fbem-18298	25	15	,	,	PUNCT
fbem-18298	25	16	and	and	CCONJ
fbem-18298	25	17	financial	financial	ADJ
fbem-18298	25	18	inclusion	inclusion	NOUN
fbem-18298	25	19	,	,	PUNCT
fbem-18298	25	20	while	while	SCONJ
fbem-18298	25	21	also	also	ADV
fbem-18298	25	22	requiring	require	VERB
fbem-18298	25	23	vigilance	vigilance	NOUN
fbem-18298	25	24	in	in	ADP
fbem-18298	25	25	monitoring	monitor	VERB
fbem-18298	25	26	market	market	NOUN
fbem-18298	25	27	conduct	conduct	NOUN
fbem-18298	25	28	,	,	PUNCT
fbem-18298	25	29	ensuring	ensure	VERB
fbem-18298	25	30	compliance	compliance	NOUN
fbem-18298	25	31	,	,	PUNCT
fbem-18298	25	32	and	and	CCONJ
fbem-18298	25	33	safeguarding	safeguard	VERB
fbem-18298	25	34	consumer	consumer	NOUN
fbem-18298	25	35	interests	interest	NOUN
fbem-18298	25	36	.	.	PUNCT
fbem-18298	26	1	for	for	ADP
fbem-18298	26	2	consumers	consumer	NOUN
fbem-18298	26	3	,	,	PUNCT
fbem-18298	26	4	internet	internet	NOUN
fbem-18298	26	5	sales	sale	NOUN
fbem-18298	26	6	offer	offer	VERB
fbem-18298	26	7	unparalleled	unparalleled	ADJ
fbem-18298	26	8	320	320	NUM
fbem-18298	26	9	convenience	convenience	NOUN
fbem-18298	26	10	,	,	PUNCT
fbem-18298	26	11	choice	choice	NOUN
fbem-18298	26	12	,	,	PUNCT
fbem-18298	26	13	and	and	CCONJ
fbem-18298	26	14	accessibility	accessibility	NOUN
fbem-18298	26	15	,	,	PUNCT
fbem-18298	26	16	enabling	enable	VERB
fbem-18298	26	17	informed	informed	ADJ
fbem-18298	26	18	decision	decision	NOUN
fbem-18298	26	19	-	-	PUNCT
fbem-18298	26	20	making	making	NOUN
fbem-18298	26	21	,	,	PUNCT
fbem-18298	26	22	personalized	personalized	ADJ
fbem-18298	26	23	experiences	experience	NOUN
fbem-18298	26	24	,	,	PUNCT
fbem-18298	26	25	and	and	CCONJ
fbem-18298	26	26	costeffective	costeffective	ADJ
fbem-18298	26	27	solutions	solution	NOUN
fbem-18298	26	28	,	,	PUNCT
fbem-18298	26	29	while	while	SCONJ
fbem-18298	26	30	also	also	ADV
fbem-18298	26	31	raising	raise	VERB
fbem-18298	26	32	concerns	concern	NOUN
fbem-18298	26	33	about	about	ADP
fbem-18298	26	34	data	datum	NOUN
fbem-18298	26	35	privacy	privacy	NOUN
fbem-18298	26	36	,	,	PUNCT
fbem-18298	26	37	product	product	NOUN
fbem-18298	26	38	suitability	suitability	NOUN
fbem-18298	26	39	,	,	PUNCT
fbem-18298	26	40	and	and	CCONJ
fbem-18298	26	41	redress	redress	NOUN
fbem-18298	26	42	mechanisms	mechanism	NOUN
fbem-18298	26	43	.	.	PUNCT
fbem-18298	27	1	1.5	1.5	NUM
fbem-18298	27	2	.	.	PUNCT
fbem-18298	28	1	research	research	NOUN
fbem-18298	28	2	objectives	objective	NOUN
fbem-18298	28	3	and	and	CCONJ
fbem-18298	28	4	scope	scope	NOUN
fbem-18298	28	5	:	:	PUNCT
fbem-18298	28	6	against	against	ADP
fbem-18298	28	7	this	this	DET
fbem-18298	28	8	backdrop	backdrop	NOUN
fbem-18298	28	9	of	of	ADP
fbem-18298	28	10	transformative	transformative	ADJ
fbem-18298	28	11	change	change	NOUN
fbem-18298	28	12	,	,	PUNCT
fbem-18298	28	13	the	the	DET
fbem-18298	28	14	overarching	overarching	ADJ
fbem-18298	28	15	objective	objective	NOUN
fbem-18298	28	16	of	of	ADP
fbem-18298	28	17	this	this	DET
fbem-18298	28	18	research	research	NOUN
fbem-18298	28	19	is	be	AUX
fbem-18298	28	20	to	to	PART
fbem-18298	28	21	comprehensively	comprehensively	ADV
fbem-18298	28	22	analyze	analyze	VERB
fbem-18298	28	23	the	the	DET
fbem-18298	28	24	impact	impact	NOUN
fbem-18298	28	25	of	of	ADP
fbem-18298	28	26	internet	internet	NOUN
fbem-18298	28	27	sales	sale	NOUN
fbem-18298	28	28	on	on	ADP
fbem-18298	28	29	the	the	DET
fbem-18298	28	30	rate	rate	NOUN
fbem-18298	28	31	determination	determination	NOUN
fbem-18298	28	32	of	of	ADP
fbem-18298	28	33	commercial	commercial	ADJ
fbem-18298	28	34	insurance	insurance	NOUN
fbem-18298	28	35	in	in	ADP
fbem-18298	28	36	china	china	PROPN
fbem-18298	28	37	.	.	PUNCT
fbem-18298	29	1	by	by	ADP
fbem-18298	29	2	elucidating	elucidate	VERB
fbem-18298	29	3	the	the	DET
fbem-18298	29	4	underlying	underlie	VERB
fbem-18298	29	5	mechanisms	mechanism	NOUN
fbem-18298	29	6	,	,	PUNCT
fbem-18298	29	7	drivers	driver	NOUN
fbem-18298	29	8	,	,	PUNCT
fbem-18298	29	9	and	and	CCONJ
fbem-18298	29	10	implications	implication	NOUN
fbem-18298	29	11	of	of	ADP
fbem-18298	29	12	this	this	DET
fbem-18298	29	13	phenomenon	phenomenon	NOUN
fbem-18298	29	14	,	,	PUNCT
fbem-18298	29	15	this	this	DET
fbem-18298	29	16	study	study	NOUN
fbem-18298	29	17	seeks	seek	VERB
fbem-18298	29	18	to	to	PART
fbem-18298	29	19	inform	inform	VERB
fbem-18298	29	20	industry	industry	NOUN
fbem-18298	29	21	stakeholders	stakeholder	NOUN
fbem-18298	29	22	,	,	PUNCT
fbem-18298	29	23	policymakers	policymaker	NOUN
fbem-18298	29	24	,	,	PUNCT
fbem-18298	29	25	and	and	CCONJ
fbem-18298	29	26	academic	academic	ADJ
fbem-18298	29	27	scholars	scholar	NOUN
fbem-18298	29	28	about	about	ADP
fbem-18298	29	29	the	the	DET
fbem-18298	29	30	evolving	evolve	VERB
fbem-18298	29	31	dynamics	dynamic	NOUN
fbem-18298	29	32	of	of	ADP
fbem-18298	29	33	the	the	DET
fbem-18298	29	34	commercial	commercial	ADJ
fbem-18298	29	35	insurance	insurance	NOUN
fbem-18298	29	36	market	market	NOUN
fbem-18298	29	37	and	and	CCONJ
fbem-18298	29	38	provide	provide	VERB
fbem-18298	29	39	actionable	actionable	ADJ
fbem-18298	29	40	insights	insight	NOUN
fbem-18298	29	41	for	for	ADP
fbem-18298	29	42	strategic	strategic	ADJ
fbem-18298	29	43	decision	decision	NOUN
fbem-18298	29	44	-	-	PUNCT
fbem-18298	29	45	making	make	VERB
fbem-18298	29	46	and	and	CCONJ
fbem-18298	29	47	policy	policy	NOUN
fbem-18298	29	48	formulation	formulation	NOUN
fbem-18298	29	49	.	.	PUNCT
fbem-18298	30	1	through	through	ADP
fbem-18298	30	2	a	a	DET
fbem-18298	30	3	multi	multi	ADJ
fbem-18298	30	4	-	-	ADJ
fbem-18298	30	5	method	method	ADJ
fbem-18298	30	6	approach	approach	NOUN
fbem-18298	30	7	encompassing	encompass	VERB
fbem-18298	30	8	theoretical	theoretical	ADJ
fbem-18298	30	9	analysis	analysis	NOUN
fbem-18298	30	10	,	,	PUNCT
fbem-18298	30	11	empirical	empirical	ADJ
fbem-18298	30	12	investigation	investigation	NOUN
fbem-18298	30	13	,	,	PUNCT
fbem-18298	30	14	and	and	CCONJ
fbem-18298	30	15	qualitative	qualitative	ADJ
fbem-18298	30	16	research	research	NOUN
fbem-18298	30	17	,	,	PUNCT
fbem-18298	30	18	this	this	DET
fbem-18298	30	19	study	study	NOUN
fbem-18298	30	20	aims	aim	VERB
fbem-18298	30	21	to	to	PART
fbem-18298	30	22	unravel	unravel	VERB
fbem-18298	30	23	the	the	DET
fbem-18298	30	24	complexities	complexity	NOUN
fbem-18298	30	25	of	of	ADP
fbem-18298	30	26	internet	internet	NOUN
fbem-18298	30	27	sales	sale	NOUN
fbem-18298	30	28	in	in	ADP
fbem-18298	30	29	commercial	commercial	ADJ
fbem-18298	30	30	insurance	insurance	NOUN
fbem-18298	30	31	,	,	PUNCT
fbem-18298	30	32	offering	offer	VERB
fbem-18298	30	33	a	a	DET
fbem-18298	30	34	nuanced	nuanced	ADJ
fbem-18298	30	35	understanding	understanding	NOUN
fbem-18298	30	36	of	of	ADP
fbem-18298	30	37	its	its	PRON
fbem-18298	30	38	implications	implication	NOUN
fbem-18298	30	39	for	for	ADP
fbem-18298	30	40	industry	industry	NOUN
fbem-18298	30	41	stakeholders	stakeholder	NOUN
fbem-18298	30	42	and	and	CCONJ
fbem-18298	30	43	the	the	DET
fbem-18298	30	44	broader	broad	ADJ
fbem-18298	30	45	economy	economy	NOUN
fbem-18298	30	46	.	.	PUNCT
fbem-18298	31	1	2	2	X
fbem-18298	31	2	.	.	X
fbem-18298	31	3	research	research	NOUN
fbem-18298	31	4	background	background	NOUN
fbem-18298	31	5	and	and	CCONJ
fbem-18298	31	6	significance	significance	NOUN
fbem-18298	31	7	the	the	DET
fbem-18298	31	8	commercial	commercial	ADJ
fbem-18298	31	9	insurance	insurance	NOUN
fbem-18298	31	10	landscape	landscape	NOUN
fbem-18298	31	11	in	in	ADP
fbem-18298	31	12	china	china	PROPN
fbem-18298	31	13	has	have	AUX
fbem-18298	31	14	witnessed	witness	VERB
fbem-18298	31	15	a	a	DET
fbem-18298	31	16	profound	profound	ADJ
fbem-18298	31	17	transformation	transformation	NOUN
fbem-18298	31	18	in	in	ADP
fbem-18298	31	19	recent	recent	ADJ
fbem-18298	31	20	years	year	NOUN
fbem-18298	31	21	,	,	PUNCT
fbem-18298	31	22	catalyzed	catalyze	VERB
fbem-18298	31	23	by	by	ADP
fbem-18298	31	24	the	the	DET
fbem-18298	31	25	rapid	rapid	ADJ
fbem-18298	31	26	advancement	advancement	NOUN
fbem-18298	31	27	of	of	ADP
fbem-18298	31	28	internet	internet	NOUN
fbem-18298	31	29	technology	technology	NOUN
fbem-18298	31	30	and	and	CCONJ
fbem-18298	31	31	the	the	DET
fbem-18298	31	32	pervasive	pervasive	ADJ
fbem-18298	31	33	influence	influence	NOUN
fbem-18298	31	34	of	of	ADP
fbem-18298	31	35	e	e	NOUN
fbem-18298	31	36	-	-	NOUN
fbem-18298	31	37	commerce	commerce	NOUN
fbem-18298	31	38	.	.	PUNCT
fbem-18298	32	1	against	against	ADP
fbem-18298	32	2	this	this	DET
fbem-18298	32	3	backdrop	backdrop	NOUN
fbem-18298	32	4	,	,	PUNCT
fbem-18298	32	5	the	the	DET
fbem-18298	32	6	emergence	emergence	NOUN
fbem-18298	32	7	of	of	ADP
fbem-18298	32	8	internet	internet	NOUN
fbem-18298	32	9	sales	sale	NOUN
fbem-18298	32	10	as	as	ADP
fbem-18298	32	11	a	a	DET
fbem-18298	32	12	dominant	dominant	ADJ
fbem-18298	32	13	distribution	distribution	NOUN
fbem-18298	32	14	channel	channel	NOUN
fbem-18298	32	15	has	have	AUX
fbem-18298	32	16	redefined	redefine	VERB
fbem-18298	32	17	the	the	DET
fbem-18298	32	18	dynamics	dynamic	NOUN
fbem-18298	32	19	of	of	ADP
fbem-18298	32	20	the	the	DET
fbem-18298	32	21	commercial	commercial	ADJ
fbem-18298	32	22	insurance	insurance	NOUN
fbem-18298	32	23	market	market	NOUN
fbem-18298	32	24	,	,	PUNCT
fbem-18298	32	25	ushering	usher	VERB
fbem-18298	32	26	in	in	ADP
fbem-18298	32	27	a	a	DET
fbem-18298	32	28	new	new	ADJ
fbem-18298	32	29	era	era	NOUN
fbem-18298	32	30	of	of	ADP
fbem-18298	32	31	innovation	innovation	NOUN
fbem-18298	32	32	,	,	PUNCT
fbem-18298	32	33	competition	competition	NOUN
fbem-18298	32	34	,	,	PUNCT
fbem-18298	32	35	and	and	CCONJ
fbem-18298	32	36	consumer	consumer	NOUN
fbem-18298	32	37	empowerment	empowerment	NOUN
fbem-18298	32	38	.	.	PUNCT
fbem-18298	33	1	2.1	2.1	NUM
fbem-18298	33	2	.	.	PUNCT
fbem-18298	33	3	evolution	evolution	NOUN
fbem-18298	33	4	of	of	ADP
fbem-18298	33	5	internet	internet	NOUN
fbem-18298	33	6	sales	sale	NOUN
fbem-18298	33	7	in	in	ADP
fbem-18298	33	8	commercial	commercial	ADJ
fbem-18298	33	9	insurance	insurance	NOUN
fbem-18298	33	10	:	:	PUNCT
fbem-18298	33	11	the	the	DET
fbem-18298	33	12	evolution	evolution	NOUN
fbem-18298	33	13	of	of	ADP
fbem-18298	33	14	internet	internet	NOUN
fbem-18298	33	15	sales	sale	NOUN
fbem-18298	33	16	in	in	ADP
fbem-18298	33	17	commercial	commercial	ADJ
fbem-18298	33	18	insurance	insurance	NOUN
fbem-18298	33	19	can	can	AUX
fbem-18298	33	20	be	be	AUX
fbem-18298	33	21	traced	trace	VERB
fbem-18298	33	22	back	back	ADV
fbem-18298	33	23	to	to	ADP
fbem-18298	33	24	the	the	DET
fbem-18298	33	25	early	early	ADJ
fbem-18298	33	26	2000s	2000s	NUM
fbem-18298	33	27	when	when	SCONJ
fbem-18298	33	28	pioneering	pioneer	VERB
fbem-18298	33	29	insurers	insurer	NOUN
fbem-18298	33	30	began	begin	VERB
fbem-18298	33	31	experimenting	experiment	VERB
fbem-18298	33	32	with	with	ADP
fbem-18298	33	33	online	online	ADJ
fbem-18298	33	34	distribution	distribution	NOUN
fbem-18298	33	35	channels	channel	NOUN
fbem-18298	33	36	to	to	PART
fbem-18298	33	37	reach	reach	VERB
fbem-18298	33	38	a	a	DET
fbem-18298	33	39	broader	broad	ADJ
fbem-18298	33	40	customer	customer	NOUN
fbem-18298	33	41	base	base	NOUN
fbem-18298	33	42	.	.	PUNCT
fbem-18298	34	1	initially	initially	ADV
fbem-18298	34	2	met	meet	VERB
fbem-18298	34	3	with	with	ADP
fbem-18298	34	4	skepticism	skepticism	NOUN
fbem-18298	34	5	and	and	CCONJ
fbem-18298	34	6	resistance	resistance	NOUN
fbem-18298	34	7	from	from	ADP
fbem-18298	34	8	traditional	traditional	ADJ
fbem-18298	34	9	intermediaries	intermediary	NOUN
fbem-18298	34	10	,	,	PUNCT
fbem-18298	34	11	internet	internet	NOUN
fbem-18298	34	12	sales	sale	NOUN
fbem-18298	34	13	gradually	gradually	ADV
fbem-18298	34	14	gained	gain	VERB
fbem-18298	34	15	traction	traction	NOUN
fbem-18298	34	16	as	as	SCONJ
fbem-18298	34	17	consumers	consumer	NOUN
fbem-18298	34	18	embraced	embrace	VERB
fbem-18298	34	19	the	the	DET
fbem-18298	34	20	convenience	convenience	NOUN
fbem-18298	34	21	and	and	CCONJ
fbem-18298	34	22	accessibility	accessibility	NOUN
fbem-18298	34	23	afforded	afford	VERB
fbem-18298	34	24	by	by	ADP
fbem-18298	34	25	online	online	ADJ
fbem-18298	34	26	platforms	platform	NOUN
fbem-18298	34	27	.	.	PUNCT
fbem-18298	35	1	with	with	ADP
fbem-18298	35	2	the	the	DET
fbem-18298	35	3	advent	advent	NOUN
fbem-18298	35	4	of	of	ADP
fbem-18298	35	5	mobile	mobile	ADJ
fbem-18298	35	6	technology	technology	NOUN
fbem-18298	35	7	and	and	CCONJ
fbem-18298	35	8	the	the	DET
fbem-18298	35	9	proliferation	proliferation	NOUN
fbem-18298	35	10	of	of	ADP
fbem-18298	35	11	smartphones	smartphone	NOUN
fbem-18298	35	12	,	,	PUNCT
fbem-18298	35	13	internet	internet	NOUN
fbem-18298	35	14	sales	sale	NOUN
fbem-18298	35	15	have	have	AUX
fbem-18298	35	16	become	become	VERB
fbem-18298	35	17	ubiquitous	ubiquitous	ADJ
fbem-18298	35	18	,	,	PUNCT
fbem-18298	35	19	enabling	enable	VERB
fbem-18298	35	20	consumers	consumer	NOUN
fbem-18298	35	21	to	to	PART
fbem-18298	35	22	research	research	VERB
fbem-18298	35	23	,	,	PUNCT
fbem-18298	35	24	compare	compare	NOUN
fbem-18298	35	25	,	,	PUNCT
fbem-18298	35	26	and	and	CCONJ
fbem-18298	35	27	purchase	purchase	NOUN
fbem-18298	35	28	insurance	insurance	NOUN
fbem-18298	35	29	products	product	NOUN
fbem-18298	35	30	anytime	anytime	ADV
fbem-18298	35	31	,	,	PUNCT
fbem-18298	35	32	anywhere	anywhere	ADV
fbem-18298	35	33	.	.	PUNCT
fbem-18298	36	1	2.2	2.2	NUM
fbem-18298	36	2	.	.	PUNCT
fbem-18298	37	1	market	market	NOUN
fbem-18298	37	2	trends	trend	NOUN
fbem-18298	37	3	and	and	CCONJ
fbem-18298	37	4	growth	growth	NOUN
fbem-18298	37	5	dynamics	dynamic	NOUN
fbem-18298	37	6	:	:	PUNCT
fbem-18298	37	7	the	the	DET
fbem-18298	37	8	rise	rise	NOUN
fbem-18298	37	9	of	of	ADP
fbem-18298	37	10	internet	internet	NOUN
fbem-18298	37	11	sales	sale	NOUN
fbem-18298	37	12	has	have	AUX
fbem-18298	37	13	coincided	coincide	VERB
fbem-18298	37	14	with	with	ADP
fbem-18298	37	15	significant	significant	ADJ
fbem-18298	37	16	shifts	shift	NOUN
fbem-18298	37	17	in	in	ADP
fbem-18298	37	18	consumer	consumer	NOUN
fbem-18298	37	19	behavior	behavior	NOUN
fbem-18298	37	20	and	and	CCONJ
fbem-18298	37	21	market	market	NOUN
fbem-18298	37	22	dynamics	dynamic	NOUN
fbem-18298	37	23	within	within	ADP
fbem-18298	37	24	the	the	DET
fbem-18298	37	25	commercial	commercial	ADJ
fbem-18298	37	26	insurance	insurance	NOUN
fbem-18298	37	27	sector	sector	NOUN
fbem-18298	37	28	.	.	PUNCT
fbem-18298	38	1	according	accord	VERB
fbem-18298	38	2	to	to	ADP
fbem-18298	38	3	industry	industry	NOUN
fbem-18298	38	4	reports	report	NOUN
fbem-18298	38	5	,	,	PUNCT
fbem-18298	38	6	the	the	DET
fbem-18298	38	7	penetration	penetration	NOUN
fbem-18298	38	8	rate	rate	NOUN
fbem-18298	38	9	of	of	ADP
fbem-18298	38	10	internet	internet	NOUN
fbem-18298	38	11	insurance	insurance	NOUN
fbem-18298	38	12	sales	sale	NOUN
fbem-18298	38	13	in	in	ADP
fbem-18298	38	14	china	china	PROPN
fbem-18298	38	15	has	have	AUX
fbem-18298	38	16	surged	surge	VERB
fbem-18298	38	17	in	in	ADP
fbem-18298	38	18	recent	recent	ADJ
fbem-18298	38	19	years	year	NOUN
fbem-18298	38	20	,	,	PUNCT
fbem-18298	38	21	driven	drive	VERB
fbem-18298	38	22	by	by	ADP
fbem-18298	38	23	factors	factor	NOUN
fbem-18298	38	24	such	such	ADJ
fbem-18298	38	25	as	as	ADP
fbem-18298	38	26	increasing	increase	VERB
fbem-18298	38	27	internet	internet	NOUN
fbem-18298	38	28	penetration	penetration	NOUN
fbem-18298	38	29	,	,	PUNCT
fbem-18298	38	30	rising	rise	VERB
fbem-18298	38	31	consumer	consumer	NOUN
fbem-18298	38	32	awareness	awareness	NOUN
fbem-18298	38	33	,	,	PUNCT
fbem-18298	38	34	and	and	CCONJ
fbem-18298	38	35	evolving	evolve	VERB
fbem-18298	38	36	regulatory	regulatory	ADJ
fbem-18298	38	37	frameworks	framework	NOUN
fbem-18298	38	38	.	.	PUNCT
fbem-18298	39	1	data	datum	NOUN
fbem-18298	39	2	from	from	ADP
fbem-18298	39	3	the	the	DET
fbem-18298	39	4	china	china	PROPN
fbem-18298	39	5	insurance	insurance	PROPN
fbem-18298	39	6	regulatory	regulatory	PROPN
fbem-18298	39	7	commission	commission	NOUN
fbem-18298	39	8	(	(	PUNCT
fbem-18298	39	9	circ	circ	PROPN
fbem-18298	39	10	)	)	PUNCT
fbem-18298	39	11	indicates	indicate	VERB
fbem-18298	39	12	that	that	SCONJ
fbem-18298	39	13	the	the	DET
fbem-18298	39	14	proportion	proportion	NOUN
fbem-18298	39	15	of	of	ADP
fbem-18298	39	16	insurance	insurance	NOUN
fbem-18298	39	17	premiums	premium	NOUN
fbem-18298	39	18	generated	generate	VERB
fbem-18298	39	19	through	through	ADP
fbem-18298	39	20	online	online	ADJ
fbem-18298	39	21	channels	channel	NOUN
fbem-18298	39	22	has	have	AUX
fbem-18298	39	23	witnessed	witness	VERB
fbem-18298	39	24	steady	steady	ADJ
fbem-18298	39	25	growth	growth	NOUN
fbem-18298	39	26	,	,	PUNCT
fbem-18298	39	27	surpassing	surpass	VERB
fbem-18298	39	28	traditional	traditional	ADJ
fbem-18298	39	29	distribution	distribution	NOUN
fbem-18298	39	30	channels	channel	NOUN
fbem-18298	39	31	in	in	ADP
fbem-18298	39	32	certain	certain	ADJ
fbem-18298	39	33	product	product	NOUN
fbem-18298	39	34	segments	segment	NOUN
fbem-18298	39	35	.	.	PUNCT
fbem-18298	40	1	2.3	2.3	NUM
fbem-18298	40	2	.	.	PUNCT
fbem-18298	40	3	impact	impact	NOUN
fbem-18298	40	4	on	on	ADP
fbem-18298	40	5	distribution	distribution	NOUN
fbem-18298	40	6	channels	channel	NOUN
fbem-18298	40	7	and	and	CCONJ
fbem-18298	40	8	market	market	NOUN
fbem-18298	40	9	structure	structure	NOUN
fbem-18298	40	10	:	:	PUNCT
fbem-18298	40	11	the	the	DET
fbem-18298	40	12	proliferation	proliferation	NOUN
fbem-18298	40	13	of	of	ADP
fbem-18298	40	14	internet	internet	NOUN
fbem-18298	40	15	sales	sale	NOUN
fbem-18298	40	16	has	have	AUX
fbem-18298	40	17	disrupted	disrupt	VERB
fbem-18298	40	18	traditional	traditional	ADJ
fbem-18298	40	19	distribution	distribution	NOUN
fbem-18298	40	20	channels	channel	NOUN
fbem-18298	40	21	and	and	CCONJ
fbem-18298	40	22	reshaped	reshaped	VERB
fbem-18298	40	23	the	the	DET
fbem-18298	40	24	competitive	competitive	ADJ
fbem-18298	40	25	landscape	landscape	NOUN
fbem-18298	40	26	of	of	ADP
fbem-18298	40	27	the	the	DET
fbem-18298	40	28	commercial	commercial	ADJ
fbem-18298	40	29	insurance	insurance	NOUN
fbem-18298	40	30	market	market	NOUN
fbem-18298	40	31	.	.	PUNCT
fbem-18298	41	1	historically	historically	ADV
fbem-18298	41	2	dominated	dominate	VERB
fbem-18298	41	3	by	by	ADP
fbem-18298	41	4	brick	brick	NOUN
fbem-18298	41	5	-	-	PUNCT
fbem-18298	41	6	and	and	CCONJ
fbem-18298	41	7	-	-	PUNCT
fbem-18298	41	8	mortar	mortar	NOUN
fbem-18298	41	9	agencies	agency	NOUN
fbem-18298	41	10	and	and	CCONJ
fbem-18298	41	11	intermediaries	intermediary	NOUN
fbem-18298	41	12	,	,	PUNCT
fbem-18298	41	13	the	the	DET
fbem-18298	41	14	industry	industry	NOUN
fbem-18298	41	15	is	be	AUX
fbem-18298	41	16	now	now	ADV
fbem-18298	41	17	witnessing	witness	VERB
fbem-18298	41	18	a	a	DET
fbem-18298	41	19	proliferation	proliferation	NOUN
fbem-18298	41	20	of	of	ADP
fbem-18298	41	21	online	online	ADJ
fbem-18298	41	22	-	-	PUNCT
fbem-18298	41	23	only	only	ADV
fbem-18298	41	24	insurers	insurer	NOUN
fbem-18298	41	25	and	and	CCONJ
fbem-18298	41	26	digital	digital	ADJ
fbem-18298	41	27	platforms	platform	NOUN
fbem-18298	41	28	,	,	PUNCT
fbem-18298	41	29	challenging	challenge	VERB
fbem-18298	41	30	established	establish	VERB
fbem-18298	41	31	incumbents	incumbent	NOUN
fbem-18298	41	32	and	and	CCONJ
fbem-18298	41	33	fostering	foster	VERB
fbem-18298	41	34	greater	great	ADJ
fbem-18298	41	35	market	market	NOUN
fbem-18298	41	36	dynamism	dynamism	NOUN
fbem-18298	41	37	.	.	PUNCT
fbem-18298	42	1	moreover	moreover	ADV
fbem-18298	42	2	,	,	PUNCT
fbem-18298	42	3	the	the	DET
fbem-18298	42	4	emergence	emergence	NOUN
fbem-18298	42	5	of	of	ADP
fbem-18298	42	6	online	online	ADJ
fbem-18298	42	7	aggregators	aggregator	NOUN
fbem-18298	42	8	and	and	CCONJ
fbem-18298	42	9	comparison	comparison	NOUN
fbem-18298	42	10	websites	website	NOUN
fbem-18298	42	11	has	have	AUX
fbem-18298	42	12	empowered	empower	VERB
fbem-18298	42	13	consumers	consumer	NOUN
fbem-18298	42	14	with	with	ADP
fbem-18298	42	15	greater	great	ADJ
fbem-18298	42	16	transparency	transparency	NOUN
fbem-18298	42	17	and	and	CCONJ
fbem-18298	42	18	choice	choice	NOUN
fbem-18298	42	19	,	,	PUNCT
fbem-18298	42	20	intensifying	intensify	VERB
fbem-18298	42	21	competition	competition	NOUN
fbem-18298	42	22	among	among	ADP
fbem-18298	42	23	insurers	insurer	NOUN
fbem-18298	42	24	and	and	CCONJ
fbem-18298	42	25	exerting	exert	VERB
fbem-18298	42	26	downward	downward	ADJ
fbem-18298	42	27	pressure	pressure	NOUN
fbem-18298	42	28	on	on	ADP
fbem-18298	42	29	premiums	premium	NOUN
fbem-18298	42	30	.	.	PUNCT
fbem-18298	43	1	2.4	2.4	NUM
fbem-18298	43	2	.	.	PUNCT
fbem-18298	43	3	regulatory	regulatory	ADJ
fbem-18298	43	4	environment	environment	NOUN
fbem-18298	43	5	and	and	CCONJ
fbem-18298	43	6	policy	policy	NOUN
fbem-18298	43	7	implications	implication	NOUN
fbem-18298	43	8	:	:	PUNCT
fbem-18298	43	9	the	the	DET
fbem-18298	43	10	rapid	rapid	ADJ
fbem-18298	43	11	expansion	expansion	NOUN
fbem-18298	43	12	of	of	ADP
fbem-18298	43	13	internet	internet	NOUN
fbem-18298	43	14	sales	sale	NOUN
fbem-18298	43	15	in	in	ADP
fbem-18298	43	16	commercial	commercial	ADJ
fbem-18298	43	17	insurance	insurance	NOUN
fbem-18298	43	18	has	have	AUX
fbem-18298	43	19	prompted	prompt	VERB
fbem-18298	43	20	regulatory	regulatory	ADJ
fbem-18298	43	21	authorities	authority	NOUN
fbem-18298	43	22	to	to	PART
fbem-18298	43	23	enact	enact	VERB
fbem-18298	43	24	measures	measure	NOUN
fbem-18298	43	25	aimed	aim	VERB
fbem-18298	43	26	at	at	ADP
fbem-18298	43	27	promoting	promote	VERB
fbem-18298	43	28	market	market	NOUN
fbem-18298	43	29	stability	stability	NOUN
fbem-18298	43	30	,	,	PUNCT
fbem-18298	43	31	consumer	consumer	NOUN
fbem-18298	43	32	protection	protection	NOUN
fbem-18298	43	33	,	,	PUNCT
fbem-18298	43	34	and	and	CCONJ
fbem-18298	43	35	fair	fair	ADJ
fbem-18298	43	36	competition	competition	NOUN
fbem-18298	43	37	.	.	PUNCT
fbem-18298	44	1	the	the	DET
fbem-18298	44	2	china	china	PROPN
fbem-18298	44	3	banking	banking	PROPN
fbem-18298	44	4	and	and	CCONJ
fbem-18298	44	5	insurance	insurance	PROPN
fbem-18298	44	6	regulatory	regulatory	ADJ
fbem-18298	44	7	commission	commission	NOUN
fbem-18298	44	8	(	(	PUNCT
fbem-18298	44	9	cbirc	cbirc	NOUN
fbem-18298	44	10	)	)	PUNCT
fbem-18298	44	11	has	have	AUX
fbem-18298	44	12	introduced	introduce	VERB
fbem-18298	44	13	guidelines	guideline	NOUN
fbem-18298	44	14	and	and	CCONJ
fbem-18298	44	15	regulations	regulation	NOUN
fbem-18298	44	16	governing	govern	VERB
fbem-18298	44	17	online	online	ADJ
fbem-18298	44	18	insurance	insurance	NOUN
fbem-18298	44	19	sales	sale	NOUN
fbem-18298	44	20	,	,	PUNCT
fbem-18298	44	21	mandating	mandate	VERB
fbem-18298	44	22	stringent	stringent	ADJ
fbem-18298	44	23	compliance	compliance	NOUN
fbem-18298	44	24	standards	standard	NOUN
fbem-18298	44	25	,	,	PUNCT
fbem-18298	44	26	data	datum	NOUN
fbem-18298	44	27	privacy	privacy	NOUN
fbem-18298	44	28	safeguards	safeguard	NOUN
fbem-18298	44	29	,	,	PUNCT
fbem-18298	44	30	and	and	CCONJ
fbem-18298	44	31	disclosure	disclosure	NOUN
fbem-18298	44	32	requirements	requirement	NOUN
fbem-18298	44	33	.	.	PUNCT
fbem-18298	45	1	additionally	additionally	ADV
fbem-18298	45	2	,	,	PUNCT
fbem-18298	45	3	regulatory	regulatory	ADJ
fbem-18298	45	4	initiatives	initiative	NOUN
fbem-18298	45	5	such	such	ADJ
fbem-18298	45	6	as	as	ADP
fbem-18298	45	7	the	the	DET
fbem-18298	45	8	"	"	PUNCT
fbem-18298	45	9	internet	internet	NOUN
fbem-18298	45	10	insurance	insurance	NOUN
fbem-18298	45	11	pilot	pilot	NOUN
fbem-18298	45	12	program	program	NOUN
fbem-18298	45	13	"	"	PUNCT
fbem-18298	45	14	have	have	AUX
fbem-18298	45	15	sought	seek	VERB
fbem-18298	45	16	to	to	PART
fbem-18298	45	17	encourage	encourage	VERB
fbem-18298	45	18	innovation	innovation	NOUN
fbem-18298	45	19	and	and	CCONJ
fbem-18298	45	20	experimentation	experimentation	NOUN
fbem-18298	45	21	in	in	ADP
fbem-18298	45	22	online	online	ADJ
fbem-18298	45	23	distribution	distribution	NOUN
fbem-18298	45	24	models	model	NOUN
fbem-18298	45	25	while	while	SCONJ
fbem-18298	45	26	ensuring	ensure	VERB
fbem-18298	45	27	adequate	adequate	ADJ
fbem-18298	45	28	consumer	consumer	NOUN
fbem-18298	45	29	safeguards	safeguard	NOUN
fbem-18298	45	30	and	and	CCONJ
fbem-18298	45	31	risk	risk	NOUN
fbem-18298	45	32	management	management	NOUN
fbem-18298	45	33	practices	practice	NOUN
fbem-18298	45	34	.	.	PUNCT
fbem-18298	46	1	2.5	2.5	NUM
fbem-18298	46	2	.	.	PUNCT
fbem-18298	47	1	industry	industry	NOUN
fbem-18298	47	2	responses	response	NOUN
fbem-18298	47	3	and	and	CCONJ
fbem-18298	47	4	strategic	strategic	ADJ
fbem-18298	47	5	imperatives	imperative	NOUN
fbem-18298	47	6	:	:	PUNCT
fbem-18298	47	7	in	in	ADP
fbem-18298	47	8	response	response	NOUN
fbem-18298	47	9	to	to	ADP
fbem-18298	47	10	the	the	DET
fbem-18298	47	11	growing	grow	VERB
fbem-18298	47	12	prevalence	prevalence	NOUN
fbem-18298	47	13	of	of	ADP
fbem-18298	47	14	internet	internet	NOUN
fbem-18298	47	15	sales	sale	NOUN
fbem-18298	47	16	,	,	PUNCT
fbem-18298	47	17	traditional	traditional	ADJ
fbem-18298	47	18	insurers	insurer	NOUN
fbem-18298	47	19	have	have	AUX
fbem-18298	47	20	been	be	AUX
fbem-18298	47	21	compelled	compel	VERB
fbem-18298	47	22	to	to	PART
fbem-18298	47	23	recalibrate	recalibrate	VERB
fbem-18298	47	24	their	their	PRON
fbem-18298	47	25	distribution	distribution	NOUN
fbem-18298	47	26	strategies	strategy	NOUN
fbem-18298	47	27	,	,	PUNCT
fbem-18298	47	28	enhance	enhance	VERB
fbem-18298	47	29	digital	digital	ADJ
fbem-18298	47	30	capabilities	capability	NOUN
fbem-18298	47	31	,	,	PUNCT
fbem-18298	47	32	and	and	CCONJ
fbem-18298	47	33	embrace	embrace	VERB
fbem-18298	47	34	a	a	DET
fbem-18298	47	35	customer	customer	NOUN
fbem-18298	47	36	-	-	PUNCT
fbem-18298	47	37	centric	centric	NOUN
fbem-18298	47	38	approach	approach	NOUN
fbem-18298	47	39	.	.	PUNCT
fbem-18298	48	1	many	many	ADJ
fbem-18298	48	2	incumbents	incumbent	NOUN
fbem-18298	48	3	have	have	AUX
fbem-18298	48	4	invested	invest	VERB
fbem-18298	48	5	heavily	heavily	ADV
fbem-18298	48	6	in	in	ADP
fbem-18298	48	7	digital	digital	ADJ
fbem-18298	48	8	transformation	transformation	NOUN
fbem-18298	48	9	initiatives	initiative	NOUN
fbem-18298	48	10	,	,	PUNCT
fbem-18298	48	11	leveraging	leverage	VERB
fbem-18298	48	12	technologies	technology	NOUN
fbem-18298	48	13	such	such	ADJ
fbem-18298	48	14	as	as	ADP
fbem-18298	48	15	artificial	artificial	ADJ
fbem-18298	48	16	intelligence	intelligence	NOUN
fbem-18298	48	17	,	,	PUNCT
fbem-18298	48	18	big	big	ADJ
fbem-18298	48	19	data	datum	NOUN
fbem-18298	48	20	analytics	analytic	NOUN
fbem-18298	48	21	,	,	PUNCT
fbem-18298	48	22	and	and	CCONJ
fbem-18298	48	23	machine	machine	NOUN
fbem-18298	48	24	learning	learn	VERB
fbem-18298	48	25	to	to	PART
fbem-18298	48	26	optimize	optimize	VERB
fbem-18298	48	27	customer	customer	NOUN
fbem-18298	48	28	engagement	engagement	NOUN
fbem-18298	48	29	,	,	PUNCT
fbem-18298	48	30	streamline	streamline	VERB
fbem-18298	48	31	underwriting	underwriting	NOUN
fbem-18298	48	32	processes	process	NOUN
fbem-18298	48	33	,	,	PUNCT
fbem-18298	48	34	and	and	CCONJ
fbem-18298	48	35	personalize	personalize	VERB
fbem-18298	48	36	product	product	NOUN
fbem-18298	48	37	offerings	offering	NOUN
fbem-18298	48	38	.	.	PUNCT
fbem-18298	49	1	moreover	moreover	ADV
fbem-18298	49	2	,	,	PUNCT
fbem-18298	49	3	strategic	strategic	ADJ
fbem-18298	49	4	partnerships	partnership	NOUN
fbem-18298	49	5	and	and	CCONJ
fbem-18298	49	6	collaborations	collaboration	NOUN
fbem-18298	49	7	with	with	ADP
fbem-18298	49	8	fintech	fintech	NOUN
fbem-18298	49	9	startups	startup	NOUN
fbem-18298	49	10	,	,	PUNCT
fbem-18298	49	11	technology	technology	NOUN
fbem-18298	49	12	firms	firm	NOUN
fbem-18298	49	13	,	,	PUNCT
fbem-18298	49	14	and	and	CCONJ
fbem-18298	49	15	online	online	ADJ
fbem-18298	49	16	platforms	platform	NOUN
fbem-18298	49	17	have	have	AUX
fbem-18298	49	18	become	become	VERB
fbem-18298	49	19	increasingly	increasingly	ADV
fbem-18298	49	20	prevalent	prevalent	ADJ
fbem-18298	49	21	,	,	PUNCT
fbem-18298	49	22	enabling	enable	VERB
fbem-18298	49	23	insurers	insurer	NOUN
fbem-18298	49	24	to	to	PART
fbem-18298	49	25	expand	expand	VERB
fbem-18298	49	26	their	their	PRON
fbem-18298	49	27	reach	reach	NOUN
fbem-18298	49	28	and	and	CCONJ
fbem-18298	49	29	tap	tap	VERB
fbem-18298	49	30	into	into	ADP
fbem-18298	49	31	new	new	ADJ
fbem-18298	49	32	customer	customer	NOUN
fbem-18298	49	33	segments	segment	NOUN
fbem-18298	49	34	.	.	PUNCT
fbem-18298	50	1	2.6	2.6	NUM
fbem-18298	50	2	.	.	PUNCT
fbem-18298	50	3	research	research	NOUN
fbem-18298	50	4	significance	significance	NOUN
fbem-18298	50	5	and	and	CCONJ
fbem-18298	50	6	objectives	objective	NOUN
fbem-18298	50	7	:	:	PUNCT
fbem-18298	50	8	against	against	ADP
fbem-18298	50	9	this	this	DET
fbem-18298	50	10	backdrop	backdrop	NOUN
fbem-18298	50	11	of	of	ADP
fbem-18298	50	12	transformative	transformative	ADJ
fbem-18298	50	13	change	change	NOUN
fbem-18298	50	14	,	,	PUNCT
fbem-18298	50	15	the	the	DET
fbem-18298	50	16	significance	significance	NOUN
fbem-18298	50	17	of	of	ADP
fbem-18298	50	18	this	this	DET
fbem-18298	50	19	study	study	NOUN
fbem-18298	50	20	lies	lie	VERB
fbem-18298	50	21	in	in	ADP
fbem-18298	50	22	its	its	PRON
fbem-18298	50	23	endeavor	endeavor	NOUN
fbem-18298	50	24	to	to	PART
fbem-18298	50	25	comprehensively	comprehensively	ADV
fbem-18298	50	26	assess	assess	VERB
fbem-18298	50	27	the	the	DET
fbem-18298	50	28	impact	impact	NOUN
fbem-18298	50	29	of	of	ADP
fbem-18298	50	30	internet	internet	NOUN
fbem-18298	50	31	sales	sale	NOUN
fbem-18298	50	32	on	on	ADP
fbem-18298	50	33	the	the	DET
fbem-18298	50	34	rate	rate	NOUN
fbem-18298	50	35	determination	determination	NOUN
fbem-18298	50	36	of	of	ADP
fbem-18298	50	37	commercial	commercial	ADJ
fbem-18298	50	38	insurance	insurance	NOUN
fbem-18298	50	39	in	in	ADP
fbem-18298	50	40	china	china	PROPN
fbem-18298	50	41	.	.	PUNCT
fbem-18298	51	1	by	by	ADP
fbem-18298	51	2	elucidating	elucidate	VERB
fbem-18298	51	3	the	the	DET
fbem-18298	51	4	underlying	underlie	VERB
fbem-18298	51	5	mechanisms	mechanism	NOUN
fbem-18298	51	6	,	,	PUNCT
fbem-18298	51	7	drivers	driver	NOUN
fbem-18298	51	8	,	,	PUNCT
fbem-18298	51	9	and	and	CCONJ
fbem-18298	51	10	implications	implication	NOUN
fbem-18298	51	11	of	of	ADP
fbem-18298	51	12	this	this	DET
fbem-18298	51	13	phenomenon	phenomenon	NOUN
fbem-18298	51	14	,	,	PUNCT
fbem-18298	51	15	this	this	DET
fbem-18298	51	16	research	research	NOUN
fbem-18298	51	17	seeks	seek	VERB
fbem-18298	51	18	to	to	PART
fbem-18298	51	19	inform	inform	VERB
fbem-18298	51	20	industry	industry	NOUN
fbem-18298	51	21	stakeholders	stakeholder	NOUN
fbem-18298	51	22	,	,	PUNCT
fbem-18298	51	23	policymakers	policymaker	NOUN
fbem-18298	51	24	,	,	PUNCT
fbem-18298	51	25	and	and	CCONJ
fbem-18298	51	26	academic	academic	ADJ
fbem-18298	51	27	scholars	scholar	NOUN
fbem-18298	51	28	about	about	ADP
fbem-18298	51	29	the	the	DET
fbem-18298	51	30	evolving	evolve	VERB
fbem-18298	51	31	dynamics	dynamic	NOUN
fbem-18298	51	32	of	of	ADP
fbem-18298	51	33	the	the	DET
fbem-18298	51	34	commercial	commercial	ADJ
fbem-18298	51	35	insurance	insurance	NOUN
fbem-18298	51	36	market	market	NOUN
fbem-18298	51	37	and	and	CCONJ
fbem-18298	51	38	provide	provide	VERB
fbem-18298	51	39	actionable	actionable	ADJ
fbem-18298	51	40	insights	insight	NOUN
fbem-18298	51	41	for	for	ADP
fbem-18298	51	42	strategic	strategic	ADJ
fbem-18298	51	43	decision	decision	NOUN
fbem-18298	51	44	-	-	PUNCT
fbem-18298	51	45	making	make	VERB
fbem-18298	51	46	and	and	CCONJ
fbem-18298	51	47	policy	policy	NOUN
fbem-18298	51	48	formulation	formulation	NOUN
fbem-18298	51	49	.	.	PUNCT
fbem-18298	52	1	3	3	X
fbem-18298	52	2	.	.	X
fbem-18298	52	3	research	research	NOUN
fbem-18298	52	4	content	content	NOUN
fbem-18298	52	5	and	and	CCONJ
fbem-18298	52	6	methods	method	NOUN
fbem-18298	52	7	to	to	PART
fbem-18298	52	8	comprehensively	comprehensively	ADV
fbem-18298	52	9	scrutinize	scrutinize	VERB
fbem-18298	52	10	the	the	DET
fbem-18298	52	11	influence	influence	NOUN
fbem-18298	52	12	of	of	ADP
fbem-18298	52	13	internet	internet	NOUN
fbem-18298	52	14	sales	sale	NOUN
fbem-18298	52	15	on	on	ADP
fbem-18298	52	16	the	the	DET
fbem-18298	52	17	rate	rate	NOUN
fbem-18298	52	18	determination	determination	NOUN
fbem-18298	52	19	of	of	ADP
fbem-18298	52	20	commercial	commercial	ADJ
fbem-18298	52	21	insurance	insurance	NOUN
fbem-18298	52	22	in	in	ADP
fbem-18298	52	23	china	china	PROPN
fbem-18298	52	24	,	,	PUNCT
fbem-18298	52	25	this	this	DET
fbem-18298	52	26	study	study	NOUN
fbem-18298	52	27	adopts	adopt	VERB
fbem-18298	52	28	a	a	DET
fbem-18298	52	29	multifaceted	multifaceted	ADJ
fbem-18298	52	30	approach	approach	NOUN
fbem-18298	52	31	integrating	integrate	VERB
fbem-18298	52	32	theoretical	theoretical	ADJ
fbem-18298	52	33	analysis	analysis	NOUN
fbem-18298	52	34	,	,	PUNCT
fbem-18298	52	35	empirical	empirical	ADJ
fbem-18298	52	36	investigation	investigation	NOUN
fbem-18298	52	37	,	,	PUNCT
fbem-18298	52	38	and	and	CCONJ
fbem-18298	52	39	qualitative	qualitative	ADJ
fbem-18298	52	40	research	research	NOUN
fbem-18298	52	41	methodologies	methodology	NOUN
fbem-18298	52	42	.	.	PUNCT
fbem-18298	53	1	this	this	DET
fbem-18298	53	2	section	section	NOUN
fbem-18298	53	3	provides	provide	VERB
fbem-18298	53	4	an	an	DET
fbem-18298	53	5	expansive	expansive	ADJ
fbem-18298	53	6	overview	overview	NOUN
fbem-18298	53	7	of	of	ADP
fbem-18298	53	8	the	the	DET
fbem-18298	53	9	research	research	NOUN
fbem-18298	53	10	content	content	NOUN
fbem-18298	53	11	and	and	CCONJ
fbem-18298	53	12	the	the	DET
fbem-18298	53	13	methodological	methodological	ADJ
fbem-18298	53	14	framework	framework	NOUN
fbem-18298	53	15	employed	employ	VERB
fbem-18298	53	16	.	.	PUNCT
fbem-18298	54	1	321	321	NUM
fbem-18298	54	2	3.1	3.1	NUM
fbem-18298	54	3	.	.	PUNCT
fbem-18298	55	1	theoretical	theoretical	ADJ
fbem-18298	55	2	analysis	analysis	NOUN
fbem-18298	55	3	:	:	PUNCT
fbem-18298	55	4	the	the	DET
fbem-18298	55	5	theoretical	theoretical	ADJ
fbem-18298	55	6	underpinning	underpinning	NOUN
fbem-18298	55	7	of	of	ADP
fbem-18298	55	8	this	this	DET
fbem-18298	55	9	study	study	NOUN
fbem-18298	55	10	revolves	revolve	VERB
fbem-18298	55	11	around	around	ADP
fbem-18298	55	12	understanding	understand	VERB
fbem-18298	55	13	the	the	DET
fbem-18298	55	14	intricate	intricate	ADJ
fbem-18298	55	15	mechanisms	mechanism	NOUN
fbem-18298	55	16	through	through	ADP
fbem-18298	55	17	which	which	PRON
fbem-18298	55	18	internet	internet	NOUN
fbem-18298	55	19	sales	sale	NOUN
fbem-18298	55	20	influence	influence	VERB
fbem-18298	55	21	the	the	DET
fbem-18298	55	22	determination	determination	NOUN
fbem-18298	55	23	of	of	ADP
fbem-18298	55	24	commercial	commercial	ADJ
fbem-18298	55	25	insurance	insurance	NOUN
fbem-18298	55	26	rates	rate	NOUN
fbem-18298	55	27	.	.	PUNCT
fbem-18298	56	1	drawing	draw	VERB
fbem-18298	56	2	upon	upon	SCONJ
fbem-18298	56	3	established	establish	VERB
fbem-18298	56	4	theories	theory	NOUN
fbem-18298	56	5	from	from	ADP
fbem-18298	56	6	economics	economic	NOUN
fbem-18298	56	7	,	,	PUNCT
fbem-18298	56	8	marketing	marketing	NOUN
fbem-18298	56	9	,	,	PUNCT
fbem-18298	56	10	and	and	CCONJ
fbem-18298	56	11	behavioral	behavioral	ADJ
fbem-18298	56	12	psychology	psychology	NOUN
fbem-18298	56	13	,	,	PUNCT
fbem-18298	56	14	we	we	PRON
fbem-18298	56	15	construct	construct	VERB
fbem-18298	56	16	a	a	DET
fbem-18298	56	17	conceptual	conceptual	ADJ
fbem-18298	56	18	framework	framework	NOUN
fbem-18298	56	19	to	to	PART
fbem-18298	56	20	elucidate	elucidate	VERB
fbem-18298	56	21	the	the	DET
fbem-18298	56	22	multifaceted	multifaceted	ADJ
fbem-18298	56	23	dynamics	dynamic	NOUN
fbem-18298	56	24	at	at	ADP
fbem-18298	56	25	play	play	NOUN
fbem-18298	56	26	.	.	PUNCT
fbem-18298	57	1	3.1.1	3.1.1	X
fbem-18298	57	2	.	.	PUNCT
fbem-18298	57	3	economic	economic	ADJ
fbem-18298	57	4	theory	theory	NOUN
fbem-18298	57	5	:	:	PUNCT
fbem-18298	57	6	from	from	ADP
fbem-18298	57	7	an	an	DET
fbem-18298	57	8	economic	economic	ADJ
fbem-18298	57	9	perspective	perspective	NOUN
fbem-18298	57	10	,	,	PUNCT
fbem-18298	57	11	internet	internet	NOUN
fbem-18298	57	12	sales	sale	NOUN
fbem-18298	57	13	can	can	AUX
fbem-18298	57	14	be	be	AUX
fbem-18298	57	15	analyzed	analyze	VERB
fbem-18298	57	16	through	through	ADP
fbem-18298	57	17	the	the	DET
fbem-18298	57	18	lens	lens	NOUN
fbem-18298	57	19	of	of	ADP
fbem-18298	57	20	supply	supply	NOUN
fbem-18298	57	21	and	and	CCONJ
fbem-18298	57	22	demand	demand	NOUN
fbem-18298	57	23	dynamics	dynamic	NOUN
fbem-18298	57	24	.	.	PUNCT
fbem-18298	58	1	the	the	DET
fbem-18298	58	2	advent	advent	NOUN
fbem-18298	58	3	of	of	ADP
fbem-18298	58	4	internet	internet	NOUN
fbem-18298	58	5	technologies	technology	NOUN
fbem-18298	58	6	has	have	AUX
fbem-18298	58	7	significantly	significantly	ADV
fbem-18298	58	8	lowered	lower	VERB
fbem-18298	58	9	barriers	barrier	NOUN
fbem-18298	58	10	to	to	ADP
fbem-18298	58	11	entry	entry	NOUN
fbem-18298	58	12	in	in	ADP
fbem-18298	58	13	the	the	DET
fbem-18298	58	14	commercial	commercial	ADJ
fbem-18298	58	15	insurance	insurance	NOUN
fbem-18298	58	16	market	market	NOUN
fbem-18298	58	17	,	,	PUNCT
fbem-18298	58	18	facilitating	facilitate	VERB
fbem-18298	58	19	greater	great	ADJ
fbem-18298	58	20	market	market	NOUN
fbem-18298	58	21	participation	participation	NOUN
fbem-18298	58	22	and	and	CCONJ
fbem-18298	58	23	fostering	foster	VERB
fbem-18298	58	24	heightened	heightened	ADJ
fbem-18298	58	25	competition	competition	NOUN
fbem-18298	58	26	among	among	ADP
fbem-18298	58	27	insurance	insurance	NOUN
fbem-18298	58	28	providers	provider	NOUN
fbem-18298	58	29	.	.	PUNCT
fbem-18298	59	1	as	as	ADP
fbem-18298	59	2	a	a	DET
fbem-18298	59	3	result	result	NOUN
fbem-18298	59	4	,	,	PUNCT
fbem-18298	59	5	insurance	insurance	NOUN
fbem-18298	59	6	companies	company	NOUN
fbem-18298	59	7	are	be	AUX
fbem-18298	59	8	compelled	compel	VERB
fbem-18298	59	9	to	to	PART
fbem-18298	59	10	adjust	adjust	VERB
fbem-18298	59	11	their	their	PRON
fbem-18298	59	12	pricing	pricing	NOUN
fbem-18298	59	13	strategies	strategy	NOUN
fbem-18298	59	14	to	to	PART
fbem-18298	59	15	align	align	VERB
fbem-18298	59	16	with	with	ADP
fbem-18298	59	17	market	market	NOUN
fbem-18298	59	18	demand	demand	NOUN
fbem-18298	59	19	and	and	CCONJ
fbem-18298	59	20	remain	remain	VERB
fbem-18298	59	21	competitive	competitive	ADJ
fbem-18298	59	22	.	.	PUNCT
fbem-18298	60	1	moreover	moreover	ADV
fbem-18298	60	2	,	,	PUNCT
fbem-18298	60	3	the	the	DET
fbem-18298	60	4	cost	cost	NOUN
fbem-18298	60	5	efficiencies	efficiency	NOUN
fbem-18298	60	6	afforded	afford	VERB
fbem-18298	60	7	by	by	ADP
fbem-18298	60	8	online	online	ADJ
fbem-18298	60	9	distribution	distribution	NOUN
fbem-18298	60	10	channels	channel	NOUN
fbem-18298	60	11	enable	enable	VERB
fbem-18298	60	12	insurers	insurer	NOUN
fbem-18298	60	13	to	to	PART
fbem-18298	60	14	streamline	streamline	VERB
fbem-18298	60	15	their	their	PRON
fbem-18298	60	16	operations	operation	NOUN
fbem-18298	60	17	and	and	CCONJ
fbem-18298	60	18	pass	pass	VERB
fbem-18298	60	19	on	on	ADP
fbem-18298	60	20	cost	cost	NOUN
fbem-18298	60	21	savings	saving	NOUN
fbem-18298	60	22	to	to	ADP
fbem-18298	60	23	consumers	consumer	NOUN
fbem-18298	60	24	in	in	ADP
fbem-18298	60	25	the	the	DET
fbem-18298	60	26	form	form	NOUN
fbem-18298	60	27	of	of	ADP
fbem-18298	60	28	reduced	reduced	ADJ
fbem-18298	60	29	premiums	premium	NOUN
fbem-18298	60	30	.	.	PUNCT
fbem-18298	61	1	economic	economic	ADJ
fbem-18298	61	2	theories	theory	NOUN
fbem-18298	61	3	such	such	ADJ
fbem-18298	61	4	as	as	ADP
fbem-18298	61	5	price	price	NOUN
fbem-18298	61	6	elasticity	elasticity	NOUN
fbem-18298	61	7	of	of	ADP
fbem-18298	61	8	demand	demand	NOUN
fbem-18298	61	9	and	and	CCONJ
fbem-18298	61	10	economies	economy	NOUN
fbem-18298	61	11	of	of	ADP
fbem-18298	61	12	scale	scale	NOUN
fbem-18298	61	13	provide	provide	VERB
fbem-18298	61	14	valuable	valuable	ADJ
fbem-18298	61	15	insights	insight	NOUN
fbem-18298	61	16	into	into	ADP
fbem-18298	61	17	how	how	SCONJ
fbem-18298	61	18	internet	internet	NOUN
fbem-18298	61	19	sales	sale	NOUN
fbem-18298	61	20	impact	impact	VERB
fbem-18298	61	21	the	the	DET
fbem-18298	61	22	pricing	pricing	NOUN
fbem-18298	61	23	dynamics	dynamic	NOUN
fbem-18298	61	24	of	of	ADP
fbem-18298	61	25	commercial	commercial	ADJ
fbem-18298	61	26	insurance	insurance	NOUN
fbem-18298	61	27	products	product	NOUN
fbem-18298	61	28	.	.	PUNCT
fbem-18298	62	1	3.1.2	3.1.2	X
fbem-18298	62	2	.	.	PUNCT
fbem-18298	62	3	marketing	marketing	NOUN
fbem-18298	62	4	theory	theory	NOUN
fbem-18298	62	5	:	:	PUNCT
fbem-18298	62	6	marketing	marketing	NOUN
fbem-18298	62	7	theory	theory	NOUN
fbem-18298	62	8	offers	offer	VERB
fbem-18298	62	9	valuable	valuable	ADJ
fbem-18298	62	10	perspectives	perspective	NOUN
fbem-18298	62	11	on	on	ADP
fbem-18298	62	12	how	how	SCONJ
fbem-18298	62	13	internet	internet	NOUN
fbem-18298	62	14	sales	sale	NOUN
fbem-18298	62	15	influence	influence	NOUN
fbem-18298	62	16	consumer	consumer	NOUN
fbem-18298	62	17	behavior	behavior	NOUN
fbem-18298	62	18	and	and	CCONJ
fbem-18298	62	19	purchasing	purchasing	NOUN
fbem-18298	62	20	decisions	decision	NOUN
fbem-18298	62	21	in	in	ADP
fbem-18298	62	22	the	the	DET
fbem-18298	62	23	commercial	commercial	ADJ
fbem-18298	62	24	insurance	insurance	NOUN
fbem-18298	62	25	sector	sector	NOUN
fbem-18298	62	26	.	.	PUNCT
fbem-18298	63	1	the	the	DET
fbem-18298	63	2	digital	digital	ADJ
fbem-18298	63	3	landscape	landscape	NOUN
fbem-18298	63	4	provides	provide	VERB
fbem-18298	63	5	insurers	insurer	NOUN
fbem-18298	63	6	with	with	ADP
fbem-18298	63	7	unprecedented	unprecedented	ADJ
fbem-18298	63	8	opportunities	opportunity	NOUN
fbem-18298	63	9	to	to	PART
fbem-18298	63	10	engage	engage	VERB
fbem-18298	63	11	with	with	ADP
fbem-18298	63	12	consumers	consumer	NOUN
fbem-18298	63	13	through	through	ADP
fbem-18298	63	14	targeted	target	VERB
fbem-18298	63	15	advertising	advertising	NOUN
fbem-18298	63	16	,	,	PUNCT
fbem-18298	63	17	personalized	personalized	ADJ
fbem-18298	63	18	messaging	messaging	NOUN
fbem-18298	63	19	,	,	PUNCT
fbem-18298	63	20	and	and	CCONJ
fbem-18298	63	21	interactive	interactive	ADJ
fbem-18298	63	22	sales	sale	NOUN
fbem-18298	63	23	platforms	platform	NOUN
fbem-18298	63	24	.	.	PUNCT
fbem-18298	64	1	by	by	ADP
fbem-18298	64	2	leveraging	leverage	VERB
fbem-18298	64	3	data	datum	NOUN
fbem-18298	64	4	analytics	analytic	NOUN
fbem-18298	64	5	and	and	CCONJ
fbem-18298	64	6	machine	machine	NOUN
fbem-18298	64	7	learning	learning	NOUN
fbem-18298	64	8	algorithms	algorithm	NOUN
fbem-18298	64	9	,	,	PUNCT
fbem-18298	64	10	insurers	insurer	NOUN
fbem-18298	64	11	can	can	AUX
fbem-18298	64	12	gain	gain	VERB
fbem-18298	64	13	deeper	deep	ADJ
fbem-18298	64	14	insights	insight	NOUN
fbem-18298	64	15	into	into	ADP
fbem-18298	64	16	consumer	consumer	NOUN
fbem-18298	64	17	preferences	preference	NOUN
fbem-18298	64	18	and	and	CCONJ
fbem-18298	64	19	tailor	tailor	VERB
fbem-18298	64	20	their	their	PRON
fbem-18298	64	21	product	product	NOUN
fbem-18298	64	22	offerings	offering	NOUN
fbem-18298	64	23	to	to	PART
fbem-18298	64	24	meet	meet	VERB
fbem-18298	64	25	evolving	evolve	VERB
fbem-18298	64	26	market	market	NOUN
fbem-18298	64	27	demands	demand	NOUN
fbem-18298	64	28	.	.	PUNCT
fbem-18298	65	1	furthermore	furthermore	ADV
fbem-18298	65	2	,	,	PUNCT
fbem-18298	65	3	the	the	DET
fbem-18298	65	4	ubiquity	ubiquity	NOUN
fbem-18298	65	5	of	of	ADP
fbem-18298	65	6	online	online	ADJ
fbem-18298	65	7	reviews	review	NOUN
fbem-18298	65	8	and	and	CCONJ
fbem-18298	65	9	social	social	ADJ
fbem-18298	65	10	media	medium	NOUN
fbem-18298	65	11	platforms	platform	NOUN
fbem-18298	65	12	empowers	empower	VERB
fbem-18298	65	13	consumers	consumer	NOUN
fbem-18298	65	14	to	to	PART
fbem-18298	65	15	make	make	VERB
fbem-18298	65	16	informed	informed	ADJ
fbem-18298	65	17	choices	choice	NOUN
fbem-18298	65	18	based	base	VERB
fbem-18298	65	19	on	on	ADP
fbem-18298	65	20	peer	peer	NOUN
fbem-18298	65	21	recommendations	recommendation	NOUN
fbem-18298	65	22	and	and	CCONJ
fbem-18298	65	23	usergenerated	usergenerated	ADJ
fbem-18298	65	24	content	content	NOUN
fbem-18298	65	25	.	.	PUNCT
fbem-18298	66	1	marketing	marketing	NOUN
fbem-18298	66	2	theories	theory	NOUN
fbem-18298	66	3	such	such	ADJ
fbem-18298	66	4	as	as	ADP
fbem-18298	66	5	the	the	DET
fbem-18298	66	6	consumer	consumer	NOUN
fbem-18298	66	7	decision	decision	NOUN
fbem-18298	66	8	-	-	PUNCT
fbem-18298	66	9	making	make	VERB
fbem-18298	66	10	process	process	NOUN
fbem-18298	66	11	,	,	PUNCT
fbem-18298	66	12	brand	brand	NOUN
fbem-18298	66	13	loyalty	loyalty	NOUN
fbem-18298	66	14	,	,	PUNCT
fbem-18298	66	15	and	and	CCONJ
fbem-18298	66	16	relationship	relationship	NOUN
fbem-18298	66	17	marketing	marketing	NOUN
fbem-18298	66	18	shed	shed	VERB
fbem-18298	66	19	light	light	NOUN
fbem-18298	66	20	on	on	ADP
fbem-18298	66	21	the	the	DET
fbem-18298	66	22	mechanisms	mechanism	NOUN
fbem-18298	66	23	through	through	ADP
fbem-18298	66	24	which	which	PRON
fbem-18298	66	25	internet	internet	NOUN
fbem-18298	66	26	sales	sale	NOUN
fbem-18298	66	27	shape	shape	NOUN
fbem-18298	66	28	consumer	consumer	NOUN
fbem-18298	66	29	perceptions	perception	NOUN
fbem-18298	66	30	and	and	CCONJ
fbem-18298	66	31	drive	drive	ADJ
fbem-18298	66	32	purchasing	purchasing	NOUN
fbem-18298	66	33	behavior	behavior	NOUN
fbem-18298	66	34	in	in	ADP
fbem-18298	66	35	the	the	DET
fbem-18298	66	36	commercial	commercial	ADJ
fbem-18298	66	37	insurance	insurance	NOUN
fbem-18298	66	38	market	market	NOUN
fbem-18298	66	39	.	.	PUNCT
fbem-18298	67	1	3.1.3	3.1.3	X
fbem-18298	67	2	.	.	PUNCT
fbem-18298	67	3	behavioral	behavioral	ADJ
fbem-18298	67	4	psychology	psychology	NOUN
fbem-18298	67	5	:	:	PUNCT
fbem-18298	67	6	behavioral	behavioral	ADJ
fbem-18298	67	7	psychology	psychology	NOUN
fbem-18298	67	8	offers	offer	VERB
fbem-18298	67	9	invaluable	invaluable	ADJ
fbem-18298	67	10	insights	insight	NOUN
fbem-18298	67	11	into	into	ADP
fbem-18298	67	12	the	the	DET
fbem-18298	67	13	cognitive	cognitive	ADJ
fbem-18298	67	14	and	and	CCONJ
fbem-18298	67	15	emotional	emotional	ADJ
fbem-18298	67	16	factors	factor	NOUN
fbem-18298	67	17	that	that	PRON
fbem-18298	67	18	influence	influence	VERB
fbem-18298	67	19	consumer	consumer	NOUN
fbem-18298	67	20	decision	decision	NOUN
fbem-18298	67	21	-	-	PUNCT
fbem-18298	67	22	making	making	NOUN
fbem-18298	67	23	in	in	ADP
fbem-18298	67	24	the	the	DET
fbem-18298	67	25	context	context	NOUN
fbem-18298	67	26	of	of	ADP
fbem-18298	67	27	internet	internet	NOUN
fbem-18298	67	28	sales	sale	NOUN
fbem-18298	67	29	.	.	PUNCT
fbem-18298	68	1	prospect	prospect	NOUN
fbem-18298	68	2	theory	theory	NOUN
fbem-18298	68	3	posits	posit	NOUN
fbem-18298	68	4	that	that	SCONJ
fbem-18298	68	5	individuals	individual	NOUN
fbem-18298	68	6	are	be	AUX
fbem-18298	68	7	more	more	ADV
fbem-18298	68	8	sensitive	sensitive	ADJ
fbem-18298	68	9	to	to	ADP
fbem-18298	68	10	potential	potential	ADJ
fbem-18298	68	11	losses	loss	NOUN
fbem-18298	68	12	than	than	ADP
fbem-18298	68	13	gains	gain	NOUN
fbem-18298	68	14	,	,	PUNCT
fbem-18298	68	15	suggesting	suggest	VERB
fbem-18298	68	16	that	that	SCONJ
fbem-18298	68	17	insurers	insurer	NOUN
fbem-18298	68	18	can	can	AUX
fbem-18298	68	19	leverage	leverage	VERB
fbem-18298	68	20	loss	loss	NOUN
fbem-18298	68	21	aversion	aversion	NOUN
fbem-18298	68	22	biases	bias	NOUN
fbem-18298	68	23	to	to	PART
fbem-18298	68	24	frame	frame	VERB
fbem-18298	68	25	insurance	insurance	NOUN
fbem-18298	68	26	products	product	NOUN
fbem-18298	68	27	in	in	ADP
fbem-18298	68	28	a	a	DET
fbem-18298	68	29	more	more	ADV
fbem-18298	68	30	compelling	compelling	ADJ
fbem-18298	68	31	light	light	NOUN
fbem-18298	68	32	.	.	PUNCT
fbem-18298	69	1	moreover	moreover	ADV
fbem-18298	69	2	,	,	PUNCT
fbem-18298	69	3	heuristics	heuristic	NOUN
fbem-18298	69	4	such	such	ADJ
fbem-18298	69	5	as	as	ADP
fbem-18298	69	6	social	social	ADJ
fbem-18298	69	7	proof	proof	NOUN
fbem-18298	69	8	and	and	CCONJ
fbem-18298	69	9	scarcity	scarcity	NOUN
fbem-18298	69	10	can	can	AUX
fbem-18298	69	11	be	be	AUX
fbem-18298	69	12	employed	employ	VERB
fbem-18298	69	13	to	to	PART
fbem-18298	69	14	enhance	enhance	VERB
fbem-18298	69	15	the	the	DET
fbem-18298	69	16	perceived	perceive	VERB
fbem-18298	69	17	value	value	NOUN
fbem-18298	69	18	of	of	ADP
fbem-18298	69	19	insurance	insurance	NOUN
fbem-18298	69	20	products	product	NOUN
fbem-18298	69	21	and	and	CCONJ
fbem-18298	69	22	stimulate	stimulate	VERB
fbem-18298	69	23	demand	demand	NOUN
fbem-18298	69	24	among	among	ADP
fbem-18298	69	25	consumers	consumer	NOUN
fbem-18298	69	26	.	.	PUNCT
fbem-18298	70	1	by	by	ADP
fbem-18298	70	2	understanding	understand	VERB
fbem-18298	70	3	the	the	DET
fbem-18298	70	4	underlying	underlying	ADJ
fbem-18298	70	5	psychological	psychological	ADJ
fbem-18298	70	6	mechanisms	mechanism	NOUN
fbem-18298	70	7	driving	drive	VERB
fbem-18298	70	8	consumer	consumer	NOUN
fbem-18298	70	9	behavior	behavior	NOUN
fbem-18298	70	10	,	,	PUNCT
fbem-18298	70	11	insurers	insurer	NOUN
fbem-18298	70	12	can	can	AUX
fbem-18298	70	13	design	design	VERB
fbem-18298	70	14	more	more	ADV
fbem-18298	70	15	effective	effective	ADJ
fbem-18298	70	16	sales	sale	NOUN
fbem-18298	70	17	strategies	strategy	NOUN
fbem-18298	70	18	and	and	CCONJ
fbem-18298	70	19	optimize	optimize	VERB
fbem-18298	70	20	their	their	PRON
fbem-18298	70	21	online	online	ADJ
fbem-18298	70	22	platforms	platform	NOUN
fbem-18298	70	23	to	to	PART
fbem-18298	70	24	maximize	maximize	VERB
fbem-18298	70	25	conversion	conversion	NOUN
fbem-18298	70	26	rates	rate	NOUN
fbem-18298	70	27	and	and	CCONJ
fbem-18298	70	28	customer	customer	NOUN
fbem-18298	70	29	satisfaction	satisfaction	NOUN
fbem-18298	70	30	.	.	PUNCT
fbem-18298	71	1	3.2	3.2	NUM
fbem-18298	71	2	.	.	PUNCT
fbem-18298	72	1	empirical	empirical	ADJ
fbem-18298	72	2	analysis	analysis	NOUN
fbem-18298	72	3	:	:	PUNCT
fbem-18298	72	4	in	in	ADP
fbem-18298	72	5	addition	addition	NOUN
fbem-18298	72	6	to	to	ADP
fbem-18298	72	7	theoretical	theoretical	ADJ
fbem-18298	72	8	analysis	analysis	NOUN
fbem-18298	72	9	,	,	PUNCT
fbem-18298	72	10	this	this	DET
fbem-18298	72	11	study	study	NOUN
fbem-18298	72	12	conducts	conduct	VERB
fbem-18298	72	13	empirical	empirical	ADJ
fbem-18298	72	14	research	research	NOUN
fbem-18298	72	15	to	to	PART
fbem-18298	72	16	empirically	empirically	ADV
fbem-18298	72	17	validate	validate	VERB
fbem-18298	72	18	the	the	DET
fbem-18298	72	19	hypothesized	hypothesized	ADJ
fbem-18298	72	20	relationships	relationship	NOUN
fbem-18298	72	21	between	between	ADP
fbem-18298	72	22	internet	internet	NOUN
fbem-18298	72	23	sales	sale	NOUN
fbem-18298	72	24	and	and	CCONJ
fbem-18298	72	25	the	the	DET
fbem-18298	72	26	rate	rate	NOUN
fbem-18298	72	27	determination	determination	NOUN
fbem-18298	72	28	of	of	ADP
fbem-18298	72	29	commercial	commercial	ADJ
fbem-18298	72	30	insurance	insurance	NOUN
fbem-18298	72	31	.	.	PUNCT
fbem-18298	73	1	a	a	DET
fbem-18298	73	2	robust	robust	ADJ
fbem-18298	73	3	empirical	empirical	ADJ
fbem-18298	73	4	analysis	analysis	NOUN
fbem-18298	73	5	requires	require	VERB
fbem-18298	73	6	the	the	DET
fbem-18298	73	7	collection	collection	NOUN
fbem-18298	73	8	of	of	ADP
fbem-18298	73	9	comprehensive	comprehensive	ADJ
fbem-18298	73	10	datasets	dataset	NOUN
fbem-18298	73	11	spanning	span	VERB
fbem-18298	73	12	multiple	multiple	ADJ
fbem-18298	73	13	dimensions	dimension	NOUN
fbem-18298	73	14	,	,	PUNCT
fbem-18298	73	15	including	include	VERB
fbem-18298	73	16	internet	internet	NOUN
fbem-18298	73	17	sales	sale	NOUN
fbem-18298	73	18	volumes	volume	NOUN
fbem-18298	73	19	,	,	PUNCT
fbem-18298	73	20	commercial	commercial	ADJ
fbem-18298	73	21	insurance	insurance	NOUN
fbem-18298	73	22	premiums	premium	NOUN
fbem-18298	73	23	,	,	PUNCT
fbem-18298	73	24	market	market	NOUN
fbem-18298	73	25	share	share	NOUN
fbem-18298	73	26	data	datum	NOUN
fbem-18298	73	27	,	,	PUNCT
fbem-18298	73	28	consumer	consumer	NOUN
fbem-18298	73	29	demographics	demographic	NOUN
fbem-18298	73	30	,	,	PUNCT
fbem-18298	73	31	and	and	CCONJ
fbem-18298	73	32	regulatory	regulatory	ADJ
fbem-18298	73	33	variables	variable	NOUN
fbem-18298	73	34	.	.	PUNCT
fbem-18298	74	1	leveraging	leverage	VERB
fbem-18298	74	2	both	both	CCONJ
fbem-18298	74	3	primary	primary	ADJ
fbem-18298	74	4	and	and	CCONJ
fbem-18298	74	5	secondary	secondary	ADJ
fbem-18298	74	6	data	datum	NOUN
fbem-18298	74	7	sources	source	NOUN
fbem-18298	74	8	,	,	PUNCT
fbem-18298	74	9	we	we	PRON
fbem-18298	74	10	employ	employ	VERB
fbem-18298	74	11	advanced	advanced	ADJ
fbem-18298	74	12	econometric	econometric	ADJ
fbem-18298	74	13	techniques	technique	NOUN
fbem-18298	74	14	such	such	ADJ
fbem-18298	74	15	as	as	ADP
fbem-18298	74	16	regression	regression	NOUN
fbem-18298	74	17	analysis	analysis	NOUN
fbem-18298	74	18	,	,	PUNCT
fbem-18298	74	19	panel	panel	NOUN
fbem-18298	74	20	data	data	VERB
fbem-18298	74	21	modeling	modeling	NOUN
fbem-18298	74	22	,	,	PUNCT
fbem-18298	74	23	and	and	CCONJ
fbem-18298	74	24	structural	structural	ADJ
fbem-18298	74	25	equation	equation	NOUN
fbem-18298	74	26	modeling	modeling	NOUN
fbem-18298	74	27	to	to	PART
fbem-18298	74	28	assess	assess	VERB
fbem-18298	74	29	the	the	DET
fbem-18298	74	30	statistical	statistical	ADJ
fbem-18298	74	31	significance	significance	NOUN
fbem-18298	74	32	of	of	ADP
fbem-18298	74	33	the	the	DET
fbem-18298	74	34	observed	observe	VERB
fbem-18298	74	35	relationships	relationship	NOUN
fbem-18298	74	36	.	.	PUNCT
fbem-18298	75	1	3.2.1	3.2.1	NUM
fbem-18298	75	2	.	.	PUNCT
fbem-18298	75	3	data	datum	NOUN
fbem-18298	75	4	collection	collection	NOUN
fbem-18298	75	5	:	:	PUNCT
fbem-18298	75	6	data	datum	NOUN
fbem-18298	75	7	collection	collection	NOUN
fbem-18298	75	8	constitutes	constitute	VERB
fbem-18298	75	9	a	a	DET
fbem-18298	75	10	critical	critical	ADJ
fbem-18298	75	11	component	component	NOUN
fbem-18298	75	12	of	of	ADP
fbem-18298	75	13	the	the	DET
fbem-18298	75	14	empirical	empirical	ADJ
fbem-18298	75	15	analysis	analysis	NOUN
fbem-18298	75	16	,	,	PUNCT
fbem-18298	75	17	as	as	SCONJ
fbem-18298	75	18	the	the	DET
fbem-18298	75	19	validity	validity	NOUN
fbem-18298	75	20	and	and	CCONJ
fbem-18298	75	21	reliability	reliability	NOUN
fbem-18298	75	22	of	of	ADP
fbem-18298	75	23	findings	finding	NOUN
fbem-18298	75	24	hinge	hinge	VERB
fbem-18298	75	25	upon	upon	SCONJ
fbem-18298	75	26	the	the	DET
fbem-18298	75	27	quality	quality	NOUN
fbem-18298	75	28	and	and	CCONJ
fbem-18298	75	29	representativeness	representativeness	ADJ
fbem-18298	75	30	of	of	ADP
fbem-18298	75	31	the	the	DET
fbem-18298	75	32	datasets	dataset	NOUN
fbem-18298	75	33	utilized	utilize	VERB
fbem-18298	75	34	.	.	PUNCT
fbem-18298	76	1	primary	primary	ADJ
fbem-18298	76	2	data	datum	NOUN
fbem-18298	76	3	sources	source	NOUN
fbem-18298	76	4	include	include	VERB
fbem-18298	76	5	proprietary	proprietary	ADJ
fbem-18298	76	6	datasets	dataset	NOUN
fbem-18298	76	7	obtained	obtain	VERB
fbem-18298	76	8	through	through	ADP
fbem-18298	76	9	partnerships	partnership	NOUN
fbem-18298	76	10	with	with	ADP
fbem-18298	76	11	leading	lead	VERB
fbem-18298	76	12	insurance	insurance	NOUN
fbem-18298	76	13	providers	provider	NOUN
fbem-18298	76	14	,	,	PUNCT
fbem-18298	76	15	market	market	NOUN
fbem-18298	76	16	research	research	NOUN
fbem-18298	76	17	firms	firm	NOUN
fbem-18298	76	18	,	,	PUNCT
fbem-18298	76	19	and	and	CCONJ
fbem-18298	76	20	regulatory	regulatory	ADJ
fbem-18298	76	21	authorities	authority	NOUN
fbem-18298	76	22	.	.	PUNCT
fbem-18298	77	1	these	these	DET
fbem-18298	77	2	datasets	dataset	NOUN
fbem-18298	77	3	encompass	encompass	VERB
fbem-18298	77	4	granular	granular	ADJ
fbem-18298	77	5	information	information	NOUN
fbem-18298	77	6	on	on	ADP
fbem-18298	77	7	internet	internet	NOUN
fbem-18298	77	8	sales	sale	NOUN
fbem-18298	77	9	volumes	volume	NOUN
fbem-18298	77	10	,	,	PUNCT
fbem-18298	77	11	premium	premium	NOUN
fbem-18298	77	12	rates	rate	NOUN
fbem-18298	77	13	,	,	PUNCT
fbem-18298	77	14	policy	policy	NOUN
fbem-18298	77	15	attributes	attribute	NOUN
fbem-18298	77	16	,	,	PUNCT
fbem-18298	77	17	and	and	CCONJ
fbem-18298	77	18	consumer	consumer	NOUN
fbem-18298	77	19	characteristics	characteristic	NOUN
fbem-18298	77	20	,	,	PUNCT
fbem-18298	77	21	enabling	enable	VERB
fbem-18298	77	22	a	a	DET
fbem-18298	77	23	detailed	detailed	ADJ
fbem-18298	77	24	analysis	analysis	NOUN
fbem-18298	77	25	of	of	ADP
fbem-18298	77	26	the	the	DET
fbem-18298	77	27	factors	factor	NOUN
fbem-18298	77	28	driving	drive	VERB
fbem-18298	77	29	rate	rate	NOUN
fbem-18298	77	30	determination	determination	NOUN
fbem-18298	77	31	in	in	ADP
fbem-18298	77	32	the	the	DET
fbem-18298	77	33	commercial	commercial	ADJ
fbem-18298	77	34	insurance	insurance	NOUN
fbem-18298	77	35	market	market	NOUN
fbem-18298	77	36	.	.	PUNCT
fbem-18298	78	1	additionally	additionally	ADV
fbem-18298	78	2	,	,	PUNCT
fbem-18298	78	3	secondary	secondary	ADJ
fbem-18298	78	4	data	datum	NOUN
fbem-18298	78	5	sources	source	NOUN
fbem-18298	78	6	such	such	ADJ
fbem-18298	78	7	as	as	ADP
fbem-18298	78	8	industry	industry	NOUN
fbem-18298	78	9	reports	report	NOUN
fbem-18298	78	10	,	,	PUNCT
fbem-18298	78	11	academic	academic	ADJ
fbem-18298	78	12	journals	journal	NOUN
fbem-18298	78	13	,	,	PUNCT
fbem-18298	78	14	and	and	CCONJ
fbem-18298	78	15	government	government	NOUN
fbem-18298	78	16	publications	publication	NOUN
fbem-18298	78	17	provide	provide	VERB
fbem-18298	78	18	supplementary	supplementary	ADJ
fbem-18298	78	19	insights	insight	NOUN
fbem-18298	78	20	into	into	ADP
fbem-18298	78	21	market	market	NOUN
fbem-18298	78	22	trends	trend	NOUN
fbem-18298	78	23	,	,	PUNCT
fbem-18298	78	24	regulatory	regulatory	ADJ
fbem-18298	78	25	developments	development	NOUN
fbem-18298	78	26	,	,	PUNCT
fbem-18298	78	27	and	and	CCONJ
fbem-18298	78	28	competitive	competitive	ADJ
fbem-18298	78	29	dynamics	dynamic	NOUN
fbem-18298	78	30	.	.	PUNCT
fbem-18298	79	1	3.2.2	3.2.2	NUM
fbem-18298	79	2	.	.	PUNCT
fbem-18298	79	3	econometric	econometric	ADJ
fbem-18298	79	4	modeling	modeling	NOUN
fbem-18298	79	5	:	:	PUNCT
fbem-18298	79	6	the	the	DET
fbem-18298	79	7	empirical	empirical	ADJ
fbem-18298	79	8	analysis	analysis	NOUN
fbem-18298	79	9	employs	employ	VERB
fbem-18298	79	10	a	a	DET
fbem-18298	79	11	range	range	NOUN
fbem-18298	79	12	of	of	ADP
fbem-18298	79	13	econometric	econometric	ADJ
fbem-18298	79	14	techniques	technique	NOUN
fbem-18298	79	15	to	to	PART
fbem-18298	79	16	model	model	VERB
fbem-18298	79	17	the	the	DET
fbem-18298	79	18	relationship	relationship	NOUN
fbem-18298	79	19	between	between	ADP
fbem-18298	79	20	internet	internet	NOUN
fbem-18298	79	21	sales	sale	NOUN
fbem-18298	79	22	and	and	CCONJ
fbem-18298	79	23	commercial	commercial	ADJ
fbem-18298	79	24	insurance	insurance	NOUN
fbem-18298	79	25	rates	rate	NOUN
fbem-18298	79	26	.	.	PUNCT
fbem-18298	80	1	regression	regression	NOUN
fbem-18298	80	2	analysis	analysis	NOUN
fbem-18298	80	3	is	be	AUX
fbem-18298	80	4	utilized	utilize	VERB
fbem-18298	80	5	to	to	PART
fbem-18298	80	6	estimate	estimate	VERB
fbem-18298	80	7	the	the	DET
fbem-18298	80	8	impact	impact	NOUN
fbem-18298	80	9	of	of	ADP
fbem-18298	80	10	internet	internet	NOUN
fbem-18298	80	11	sales	sale	NOUN
fbem-18298	80	12	volumes	volume	NOUN
fbem-18298	80	13	on	on	ADP
fbem-18298	80	14	premium	premium	NOUN
fbem-18298	80	15	rates	rate	NOUN
fbem-18298	80	16	while	while	SCONJ
fbem-18298	80	17	controlling	control	VERB
fbem-18298	80	18	for	for	ADP
fbem-18298	80	19	relevant	relevant	ADJ
fbem-18298	80	20	covariates	covariate	NOUN
fbem-18298	80	21	such	such	ADJ
fbem-18298	80	22	as	as	ADP
fbem-18298	80	23	market	market	NOUN
fbem-18298	80	24	competition	competition	NOUN
fbem-18298	80	25	,	,	PUNCT
fbem-18298	80	26	regulatory	regulatory	ADJ
fbem-18298	80	27	environment	environment	NOUN
fbem-18298	80	28	,	,	PUNCT
fbem-18298	80	29	and	and	CCONJ
fbem-18298	80	30	economic	economic	ADJ
fbem-18298	80	31	conditions	condition	NOUN
fbem-18298	80	32	.	.	PUNCT
fbem-18298	81	1	panel	panel	NOUN
fbem-18298	81	2	data	datum	NOUN
fbem-18298	81	3	modeling	modeling	NOUN
fbem-18298	81	4	enables	enable	VERB
fbem-18298	81	5	the	the	DET
fbem-18298	81	6	examination	examination	NOUN
fbem-18298	81	7	of	of	ADP
fbem-18298	81	8	temporal	temporal	ADJ
fbem-18298	81	9	trends	trend	NOUN
fbem-18298	81	10	and	and	CCONJ
fbem-18298	81	11	cross	cross	ADJ
fbem-18298	81	12	-	-	ADJ
fbem-18298	81	13	sectional	sectional	ADJ
fbem-18298	81	14	variations	variation	NOUN
fbem-18298	81	15	in	in	ADP
fbem-18298	81	16	rate	rate	NOUN
fbem-18298	81	17	determination	determination	NOUN
fbem-18298	81	18	across	across	ADP
fbem-18298	81	19	different	different	ADJ
fbem-18298	81	20	segments	segment	NOUN
fbem-18298	81	21	of	of	ADP
fbem-18298	81	22	the	the	DET
fbem-18298	81	23	commercial	commercial	ADJ
fbem-18298	81	24	insurance	insurance	NOUN
fbem-18298	81	25	market	market	NOUN
fbem-18298	81	26	.	.	PUNCT
fbem-18298	82	1	structural	structural	ADJ
fbem-18298	82	2	equation	equation	NOUN
fbem-18298	82	3	modeling	modeling	NOUN
fbem-18298	82	4	facilitates	facilitate	VERB
fbem-18298	82	5	the	the	DET
fbem-18298	82	6	exploration	exploration	NOUN
fbem-18298	82	7	of	of	ADP
fbem-18298	82	8	complex	complex	ADJ
fbem-18298	82	9	causal	causal	ADJ
fbem-18298	82	10	pathways	pathway	NOUN
fbem-18298	82	11	and	and	CCONJ
fbem-18298	82	12	latent	latent	NOUN
fbem-18298	82	13	variables	variable	NOUN
fbem-18298	82	14	underlying	underlie	VERB
fbem-18298	82	15	the	the	DET
fbem-18298	82	16	observed	observed	ADJ
fbem-18298	82	17	relationships	relationship	NOUN
fbem-18298	82	18	,	,	PUNCT
fbem-18298	82	19	allowing	allow	VERB
fbem-18298	82	20	for	for	ADP
fbem-18298	82	21	a	a	DET
fbem-18298	82	22	more	more	ADV
fbem-18298	82	23	nuanced	nuanced	ADJ
fbem-18298	82	24	understanding	understanding	NOUN
fbem-18298	82	25	of	of	ADP
fbem-18298	82	26	the	the	DET
fbem-18298	82	27	mechanisms	mechanism	NOUN
fbem-18298	82	28	driving	drive	VERB
fbem-18298	82	29	rate	rate	NOUN
fbem-18298	82	30	determination	determination	NOUN
fbem-18298	82	31	in	in	ADP
fbem-18298	82	32	the	the	DET
fbem-18298	82	33	digital	digital	ADJ
fbem-18298	82	34	age	age	NOUN
fbem-18298	82	35	.	.	PUNCT
fbem-18298	83	1	3.3	3.3	NUM
fbem-18298	83	2	.	.	PUNCT
fbem-18298	84	1	qualitative	qualitative	ADJ
fbem-18298	84	2	research	research	NOUN
fbem-18298	84	3	:	:	PUNCT
fbem-18298	84	4	in	in	ADP
fbem-18298	84	5	addition	addition	NOUN
fbem-18298	84	6	to	to	ADP
fbem-18298	84	7	quantitative	quantitative	ADJ
fbem-18298	84	8	analysis	analysis	NOUN
fbem-18298	84	9	,	,	PUNCT
fbem-18298	84	10	this	this	DET
fbem-18298	84	11	study	study	NOUN
fbem-18298	84	12	incorporates	incorporate	VERB
fbem-18298	84	13	qualitative	qualitative	ADJ
fbem-18298	84	14	research	research	NOUN
fbem-18298	84	15	methodologies	methodology	NOUN
fbem-18298	84	16	to	to	PART
fbem-18298	84	17	capture	capture	VERB
fbem-18298	84	18	nuanced	nuanced	ADJ
fbem-18298	84	19	insights	insight	NOUN
fbem-18298	84	20	and	and	CCONJ
fbem-18298	84	21	perspectives	perspective	NOUN
fbem-18298	84	22	from	from	ADP
fbem-18298	84	23	key	key	ADJ
fbem-18298	84	24	stakeholders	stakeholder	NOUN
fbem-18298	84	25	in	in	ADP
fbem-18298	84	26	the	the	DET
fbem-18298	84	27	commercial	commercial	ADJ
fbem-18298	84	28	insurance	insurance	NOUN
fbem-18298	84	29	ecosystem	ecosystem	NOUN
fbem-18298	84	30	.	.	PUNCT
fbem-18298	85	1	qualitative	qualitative	ADJ
fbem-18298	85	2	research	research	NOUN
fbem-18298	85	3	methods	method	NOUN
fbem-18298	85	4	such	such	ADJ
fbem-18298	85	5	as	as	ADP
fbem-18298	85	6	in	in	ADP
fbem-18298	85	7	-	-	PUNCT
fbem-18298	85	8	depth	depth	NOUN
fbem-18298	85	9	interviews	interview	NOUN
fbem-18298	85	10	,	,	PUNCT
fbem-18298	85	11	focus	focus	NOUN
fbem-18298	85	12	groups	group	NOUN
fbem-18298	85	13	,	,	PUNCT
fbem-18298	85	14	and	and	CCONJ
fbem-18298	85	15	case	case	NOUN
fbem-18298	85	16	studies	study	NOUN
fbem-18298	85	17	are	be	AUX
fbem-18298	85	18	employed	employ	VERB
fbem-18298	85	19	to	to	PART
fbem-18298	85	20	elicit	elicit	VERB
fbem-18298	85	21	rich	rich	ADJ
fbem-18298	85	22	qualitative	qualitative	ADJ
fbem-18298	85	23	data	datum	NOUN
fbem-18298	85	24	on	on	ADP
fbem-18298	85	25	the	the	DET
fbem-18298	85	26	attitudes	attitude	NOUN
fbem-18298	85	27	,	,	PUNCT
fbem-18298	85	28	perceptions	perception	NOUN
fbem-18298	85	29	,	,	PUNCT
fbem-18298	85	30	and	and	CCONJ
fbem-18298	85	31	behaviors	behavior	NOUN
fbem-18298	85	32	of	of	ADP
fbem-18298	85	33	insurance	insurance	NOUN
fbem-18298	85	34	consumers	consumer	NOUN
fbem-18298	85	35	,	,	PUNCT
fbem-18298	85	36	industry	industry	NOUN
fbem-18298	85	37	professionals	professional	NOUN
fbem-18298	85	38	,	,	PUNCT
fbem-18298	85	39	and	and	CCONJ
fbem-18298	85	40	regulatory	regulatory	ADJ
fbem-18298	85	41	stakeholders	stakeholder	NOUN
fbem-18298	85	42	.	.	PUNCT
fbem-18298	86	1	by	by	ADP
fbem-18298	86	2	triangulating	triangulate	VERB
fbem-18298	86	3	qualitative	qualitative	ADJ
fbem-18298	86	4	findings	finding	NOUN
fbem-18298	86	5	with	with	ADP
fbem-18298	86	6	quantitative	quantitative	ADJ
fbem-18298	86	7	analysis	analysis	NOUN
fbem-18298	86	8	,	,	PUNCT
fbem-18298	86	9	this	this	DET
fbem-18298	86	10	study	study	NOUN
fbem-18298	86	11	aims	aim	VERB
fbem-18298	86	12	to	to	PART
fbem-18298	86	13	provide	provide	VERB
fbem-18298	86	14	a	a	DET
fbem-18298	86	15	holistic	holistic	ADJ
fbem-18298	86	16	understanding	understanding	NOUN
fbem-18298	86	17	of	of	ADP
fbem-18298	86	18	the	the	DET
fbem-18298	86	19	impact	impact	NOUN
fbem-18298	86	20	of	of	ADP
fbem-18298	86	21	internet	internet	NOUN
fbem-18298	86	22	sales	sale	NOUN
fbem-18298	86	23	on	on	ADP
fbem-18298	86	24	the	the	DET
fbem-18298	86	25	rate	rate	NOUN
fbem-18298	86	26	determination	determination	NOUN
fbem-18298	86	27	of	of	ADP
fbem-18298	86	28	commercial	commercial	ADJ
fbem-18298	86	29	insurance	insurance	NOUN
fbem-18298	86	30	,	,	PUNCT
fbem-18298	86	31	informed	inform	VERB
fbem-18298	86	32	by	by	ADP
fbem-18298	86	33	both	both	DET
fbem-18298	86	34	quantitative	quantitative	ADJ
fbem-18298	86	35	evidence	evidence	NOUN
fbem-18298	86	36	and	and	CCONJ
fbem-18298	86	37	qualitative	qualitative	ADJ
fbem-18298	86	38	insights	insight	NOUN
fbem-18298	86	39	.	.	PUNCT
fbem-18298	87	1	3.4	3.4	NUM
fbem-18298	87	2	.	.	PUNCT
fbem-18298	87	3	limitations	limitation	NOUN
fbem-18298	87	4	and	and	CCONJ
fbem-18298	87	5	assumptions	assumption	NOUN
fbem-18298	87	6	:	:	PUNCT
fbem-18298	87	7	it	it	PRON
fbem-18298	87	8	is	be	AUX
fbem-18298	87	9	important	important	ADJ
fbem-18298	87	10	to	to	PART
fbem-18298	87	11	acknowledge	acknowledge	VERB
fbem-18298	87	12	certain	certain	ADJ
fbem-18298	87	13	limitations	limitation	NOUN
fbem-18298	87	14	and	and	CCONJ
fbem-18298	87	15	assumptions	assumption	VERB
fbem-18298	87	16	inherent	inherent	ADJ
fbem-18298	87	17	in	in	ADP
fbem-18298	87	18	the	the	DET
fbem-18298	87	19	research	research	NOUN
fbem-18298	87	20	methodology	methodology	NOUN
fbem-18298	87	21	employed	employ	VERB
fbem-18298	87	22	.	.	PUNCT
fbem-18298	88	1	firstly	firstly	ADV
fbem-18298	88	2	,	,	PUNCT
fbem-18298	88	3	the	the	DET
fbem-18298	88	4	availability	availability	NOUN
fbem-18298	88	5	and	and	CCONJ
fbem-18298	88	6	quality	quality	NOUN
fbem-18298	88	7	of	of	ADP
fbem-18298	88	8	data	datum	NOUN
fbem-18298	88	9	may	may	AUX
fbem-18298	88	10	vary	vary	VERB
fbem-18298	88	11	across	across	ADP
fbem-18298	88	12	different	different	ADJ
fbem-18298	88	13	regions	region	NOUN
fbem-18298	88	14	and	and	CCONJ
fbem-18298	88	15	segments	segment	NOUN
fbem-18298	88	16	of	of	ADP
fbem-18298	88	17	the	the	DET
fbem-18298	88	18	commercial	commercial	ADJ
fbem-18298	88	19	insurance	insurance	NOUN
fbem-18298	88	20	market	market	NOUN
fbem-18298	88	21	,	,	PUNCT
fbem-18298	88	22	potentially	potentially	ADV
fbem-18298	88	23	introducing	introduce	VERB
fbem-18298	88	24	biases	bias	NOUN
fbem-18298	88	25	and	and	CCONJ
fbem-18298	88	26	limitations	limitation	NOUN
fbem-18298	88	27	in	in	ADP
fbem-18298	88	28	the	the	DET
fbem-18298	88	29	empirical	empirical	ADJ
fbem-18298	88	30	analysis	analysis	NOUN
fbem-18298	88	31	.	.	PUNCT
fbem-18298	89	1	secondly	secondly	ADV
fbem-18298	89	2	,	,	PUNCT
fbem-18298	89	3	the	the	DET
fbem-18298	89	4	study	study	NOUN
fbem-18298	89	5	relies	rely	VERB
fbem-18298	89	6	on	on	ADP
fbem-18298	89	7	certain	certain	ADJ
fbem-18298	89	8	theoretical	theoretical	ADJ
fbem-18298	89	9	assumptions	assumption	NOUN
fbem-18298	89	10	and	and	CCONJ
fbem-18298	89	11	simplifications	simplification	NOUN
fbem-18298	89	12	to	to	PART
fbem-18298	89	13	model	model	VERB
fbem-18298	89	14	complex	complex	ADJ
fbem-18298	89	15	real	real	ADJ
fbem-18298	89	16	-	-	PUNCT
fbem-18298	89	17	world	world	NOUN
fbem-18298	89	18	phenomena	phenomenon	NOUN
fbem-18298	89	19	,	,	PUNCT
fbem-18298	89	20	which	which	PRON
fbem-18298	89	21	may	may	AUX
fbem-18298	89	22	impact	impact	VERB
fbem-18298	89	23	the	the	DET
fbem-18298	89	24	322	322	NUM
fbem-18298	89	25	generalizability	generalizability	NOUN
fbem-18298	89	26	and	and	CCONJ
fbem-18298	89	27	robustness	robustness	NOUN
fbem-18298	89	28	of	of	ADP
fbem-18298	89	29	findings	finding	NOUN
fbem-18298	89	30	.	.	PUNCT
fbem-18298	90	1	lastly	lastly	ADV
fbem-18298	90	2	,	,	PUNCT
fbem-18298	90	3	qualitative	qualitative	ADJ
fbem-18298	90	4	research	research	NOUN
fbem-18298	90	5	findings	finding	NOUN
fbem-18298	90	6	are	be	AUX
fbem-18298	90	7	subject	subject	ADJ
fbem-18298	90	8	to	to	ADP
fbem-18298	90	9	interpretation	interpretation	NOUN
fbem-18298	90	10	and	and	CCONJ
fbem-18298	90	11	subjectivity	subjectivity	NOUN
fbem-18298	90	12	,	,	PUNCT
fbem-18298	90	13	necessitating	necessitate	VERB
fbem-18298	90	14	careful	careful	ADJ
fbem-18298	90	15	validation	validation	NOUN
fbem-18298	90	16	and	and	CCONJ
fbem-18298	90	17	triangulation	triangulation	NOUN
fbem-18298	90	18	with	with	ADP
fbem-18298	90	19	quantitative	quantitative	ADJ
fbem-18298	90	20	evidence	evidence	NOUN
fbem-18298	90	21	.	.	PUNCT
fbem-18298	91	1	in	in	ADP
fbem-18298	91	2	summary	summary	NOUN
fbem-18298	91	3	,	,	PUNCT
fbem-18298	91	4	the	the	DET
fbem-18298	91	5	research	research	NOUN
fbem-18298	91	6	content	content	NOUN
fbem-18298	91	7	and	and	CCONJ
fbem-18298	91	8	methods	method	NOUN
fbem-18298	91	9	employed	employ	VERB
fbem-18298	91	10	in	in	ADP
fbem-18298	91	11	this	this	DET
fbem-18298	91	12	study	study	NOUN
fbem-18298	91	13	encompass	encompass	VERB
fbem-18298	91	14	a	a	DET
fbem-18298	91	15	comprehensive	comprehensive	ADJ
fbem-18298	91	16	blend	blend	NOUN
fbem-18298	91	17	of	of	ADP
fbem-18298	91	18	theoretical	theoretical	ADJ
fbem-18298	91	19	analysis	analysis	NOUN
fbem-18298	91	20	,	,	PUNCT
fbem-18298	91	21	empirical	empirical	ADJ
fbem-18298	91	22	investigation	investigation	NOUN
fbem-18298	91	23	,	,	PUNCT
fbem-18298	91	24	and	and	CCONJ
fbem-18298	91	25	qualitative	qualitative	ADJ
fbem-18298	91	26	research	research	NOUN
fbem-18298	91	27	methodologies	methodology	NOUN
fbem-18298	91	28	.	.	PUNCT
fbem-18298	92	1	by	by	ADP
fbem-18298	92	2	leveraging	leverage	VERB
fbem-18298	92	3	multidisciplinary	multidisciplinary	ADJ
fbem-18298	92	4	approaches	approach	NOUN
fbem-18298	92	5	and	and	CCONJ
fbem-18298	92	6	triangulating	triangulate	VERB
fbem-18298	92	7	findings	finding	NOUN
fbem-18298	92	8	from	from	ADP
fbem-18298	92	9	diverse	diverse	ADJ
fbem-18298	92	10	data	datum	NOUN
fbem-18298	92	11	sources	source	NOUN
fbem-18298	92	12	,	,	PUNCT
fbem-18298	92	13	this	this	DET
fbem-18298	92	14	study	study	NOUN
fbem-18298	92	15	aims	aim	VERB
fbem-18298	92	16	to	to	PART
fbem-18298	92	17	provide	provide	VERB
fbem-18298	92	18	a	a	DET
fbem-18298	92	19	nuanced	nuanced	ADJ
fbem-18298	92	20	understanding	understanding	NOUN
fbem-18298	92	21	of	of	ADP
fbem-18298	92	22	the	the	DET
fbem-18298	92	23	impact	impact	NOUN
fbem-18298	92	24	of	of	ADP
fbem-18298	92	25	internet	internet	NOUN
fbem-18298	92	26	sales	sale	NOUN
fbem-18298	92	27	on	on	ADP
fbem-18298	92	28	the	the	DET
fbem-18298	92	29	rate	rate	NOUN
fbem-18298	92	30	determination	determination	NOUN
fbem-18298	92	31	of	of	ADP
fbem-18298	92	32	commercial	commercial	ADJ
fbem-18298	92	33	insurance	insurance	NOUN
fbem-18298	92	34	in	in	ADP
fbem-18298	92	35	china	china	PROPN
fbem-18298	92	36	,	,	PUNCT
fbem-18298	92	37	contributing	contribute	VERB
fbem-18298	92	38	to	to	ADP
fbem-18298	92	39	the	the	DET
fbem-18298	92	40	advancement	advancement	NOUN
fbem-18298	92	41	of	of	ADP
fbem-18298	92	42	knowledge	knowledge	NOUN
fbem-18298	92	43	in	in	ADP
fbem-18298	92	44	the	the	DET
fbem-18298	92	45	field	field	NOUN
fbem-18298	92	46	and	and	CCONJ
fbem-18298	92	47	informing	inform	VERB
fbem-18298	92	48	evidence	evidence	NOUN
fbem-18298	92	49	-	-	PUNCT
fbem-18298	92	50	based	base	VERB
fbem-18298	92	51	decision	decision	NOUN
fbem-18298	92	52	-	-	PUNCT
fbem-18298	92	53	making	making	NOUN
fbem-18298	92	54	by	by	ADP
fbem-18298	92	55	industry	industry	NOUN
fbem-18298	92	56	stakeholders	stakeholder	NOUN
fbem-18298	92	57	and	and	CCONJ
fbem-18298	92	58	policymakers	policymaker	NOUN
fbem-18298	92	59	.	.	PUNCT
fbem-18298	93	1	4	4	X
fbem-18298	93	2	.	.	X
fbem-18298	93	3	research	research	NOUN
fbem-18298	93	4	conclusion	conclusion	NOUN
fbem-18298	93	5	and	and	CCONJ
fbem-18298	93	6	suggestions	suggestion	NOUN
fbem-18298	93	7	based	base	VERB
fbem-18298	93	8	on	on	ADP
fbem-18298	93	9	our	our	PRON
fbem-18298	93	10	research	research	NOUN
fbem-18298	93	11	findings	finding	NOUN
fbem-18298	93	12	,	,	PUNCT
fbem-18298	93	13	we	we	PRON
fbem-18298	93	14	draw	draw	VERB
fbem-18298	93	15	the	the	DET
fbem-18298	93	16	following	following	ADJ
fbem-18298	93	17	conclusions	conclusion	NOUN
fbem-18298	93	18	:	:	PUNCT
fbem-18298	93	19	1	1	X
fbem-18298	93	20	.	.	X
fbem-18298	93	21	internet	internet	NOUN
fbem-18298	93	22	sales	sale	NOUN
fbem-18298	93	23	have	have	VERB
fbem-18298	93	24	a	a	DET
fbem-18298	93	25	significant	significant	ADJ
fbem-18298	93	26	impact	impact	NOUN
fbem-18298	93	27	on	on	ADP
fbem-18298	93	28	the	the	DET
fbem-18298	93	29	determination	determination	NOUN
fbem-18298	93	30	of	of	ADP
fbem-18298	93	31	commercial	commercial	ADJ
fbem-18298	93	32	insurance	insurance	NOUN
fbem-18298	93	33	rates	rate	NOUN
fbem-18298	93	34	in	in	ADP
fbem-18298	93	35	china	china	PROPN
fbem-18298	93	36	.	.	PUNCT
fbem-18298	94	1	2	2	X
fbem-18298	94	2	.	.	X
fbem-18298	94	3	the	the	DET
fbem-18298	94	4	popularity	popularity	NOUN
fbem-18298	94	5	of	of	ADP
fbem-18298	94	6	internet	internet	NOUN
fbem-18298	94	7	sales	sale	NOUN
fbem-18298	94	8	reduces	reduce	VERB
fbem-18298	94	9	sales	sale	NOUN
fbem-18298	94	10	costs	cost	NOUN
fbem-18298	94	11	for	for	ADP
fbem-18298	94	12	insurance	insurance	NOUN
fbem-18298	94	13	companies	company	NOUN
fbem-18298	94	14	,	,	PUNCT
fbem-18298	94	15	leading	lead	VERB
fbem-18298	94	16	to	to	ADP
fbem-18298	94	17	lower	low	ADJ
fbem-18298	94	18	insurance	insurance	NOUN
fbem-18298	94	19	premiums	premium	NOUN
fbem-18298	94	20	.	.	PUNCT
fbem-18298	95	1	3	3	X
fbem-18298	95	2	.	.	X
fbem-18298	95	3	internet	internet	NOUN
fbem-18298	95	4	sales	sale	NOUN
fbem-18298	95	5	increase	increase	NOUN
fbem-18298	95	6	competition	competition	NOUN
fbem-18298	95	7	in	in	ADP
fbem-18298	95	8	the	the	DET
fbem-18298	95	9	insurance	insurance	NOUN
fbem-18298	95	10	market	market	NOUN
fbem-18298	95	11	,	,	PUNCT
fbem-18298	95	12	prompting	prompt	VERB
fbem-18298	95	13	insurance	insurance	NOUN
fbem-18298	95	14	companies	company	NOUN
fbem-18298	95	15	to	to	PART
fbem-18298	95	16	adjust	adjust	VERB
fbem-18298	95	17	rate	rate	NOUN
fbem-18298	95	18	strategies	strategy	NOUN
fbem-18298	95	19	to	to	PART
fbem-18298	95	20	attract	attract	VERB
fbem-18298	95	21	consumers	consumer	NOUN
fbem-18298	95	22	.	.	PUNCT
fbem-18298	96	1	suggestions	suggestion	NOUN
fbem-18298	96	2	:	:	PUNCT
fbem-18298	96	3	1	1	X
fbem-18298	96	4	.	.	X
fbem-18298	96	5	insurance	insurance	NOUN
fbem-18298	96	6	companies	company	NOUN
fbem-18298	96	7	should	should	AUX
fbem-18298	96	8	capitalize	capitalize	VERB
fbem-18298	96	9	on	on	ADP
fbem-18298	96	10	the	the	DET
fbem-18298	96	11	advantages	advantage	NOUN
fbem-18298	96	12	of	of	ADP
fbem-18298	96	13	internet	internet	NOUN
fbem-18298	96	14	sales	sale	NOUN
fbem-18298	96	15	to	to	PART
fbem-18298	96	16	lower	lower	VERB
fbem-18298	96	17	sales	sale	NOUN
fbem-18298	96	18	costs	cost	NOUN
fbem-18298	96	19	and	and	CCONJ
fbem-18298	96	20	improve	improve	VERB
fbem-18298	96	21	the	the	DET
fbem-18298	96	22	cost	cost	NOUN
fbem-18298	96	23	-	-	PUNCT
fbem-18298	96	24	effectiveness	effectiveness	NOUN
fbem-18298	96	25	of	of	ADP
fbem-18298	96	26	insurance	insurance	NOUN
fbem-18298	96	27	products	product	NOUN
fbem-18298	96	28	.	.	PUNCT
fbem-18298	97	1	2	2	X
fbem-18298	97	2	.	.	X
fbem-18298	97	3	regulatory	regulatory	ADJ
fbem-18298	97	4	authorities	authority	NOUN
fbem-18298	97	5	should	should	AUX
fbem-18298	97	6	strengthen	strengthen	VERB
fbem-18298	97	7	supervision	supervision	NOUN
fbem-18298	97	8	of	of	ADP
fbem-18298	97	9	internet	internet	NOUN
fbem-18298	97	10	sales	sale	NOUN
fbem-18298	97	11	models	model	NOUN
fbem-18298	97	12	,	,	PUNCT
fbem-18298	97	13	standardize	standardize	VERB
fbem-18298	97	14	market	market	NOUN
fbem-18298	97	15	order	order	NOUN
fbem-18298	97	16	,	,	PUNCT
fbem-18298	97	17	and	and	CCONJ
fbem-18298	97	18	protect	protect	VERB
fbem-18298	97	19	consumer	consumer	NOUN
fbem-18298	97	20	rights	right	NOUN
fbem-18298	97	21	.	.	PUNCT
fbem-18298	98	1	3	3	X
fbem-18298	98	2	.	.	X
fbem-18298	98	3	consumers	consumer	NOUN
fbem-18298	98	4	should	should	AUX
fbem-18298	98	5	fully	fully	ADV
fbem-18298	98	6	understand	understand	VERB
fbem-18298	98	7	the	the	DET
fbem-18298	98	8	costeffectiveness	costeffectiveness	NOUN
fbem-18298	98	9	of	of	ADP
fbem-18298	98	10	insurance	insurance	NOUN
fbem-18298	98	11	products	product	NOUN
fbem-18298	98	12	and	and	CCONJ
fbem-18298	98	13	the	the	DET
fbem-18298	98	14	credibility	credibility	NOUN
fbem-18298	98	15	of	of	ADP
fbem-18298	98	16	insurance	insurance	NOUN
fbem-18298	98	17	companies	company	NOUN
fbem-18298	98	18	when	when	SCONJ
fbem-18298	98	19	choosing	choose	VERB
fbem-18298	98	20	insurance	insurance	NOUN
fbem-18298	98	21	products	product	NOUN
fbem-18298	98	22	to	to	PART
fbem-18298	98	23	make	make	VERB
fbem-18298	98	24	informed	informed	ADJ
fbem-18298	98	25	purchasing	purchasing	NOUN
fbem-18298	98	26	decisions	decision	NOUN
fbem-18298	98	27	.	.	PUNCT
fbem-18298	99	1	5	5	X
fbem-18298	99	2	.	.	X
fbem-18298	99	3	research	research	NOUN
fbem-18298	99	4	outlook	outlook	NOUN
fbem-18298	99	5	while	while	SCONJ
fbem-18298	99	6	this	this	DET
fbem-18298	99	7	study	study	NOUN
fbem-18298	99	8	has	have	AUX
fbem-18298	99	9	provided	provide	VERB
fbem-18298	99	10	insights	insight	NOUN
fbem-18298	99	11	into	into	ADP
fbem-18298	99	12	the	the	DET
fbem-18298	99	13	impact	impact	NOUN
fbem-18298	99	14	of	of	ADP
fbem-18298	99	15	internet	internet	NOUN
fbem-18298	99	16	sales	sale	NOUN
fbem-18298	99	17	on	on	ADP
fbem-18298	99	18	the	the	DET
fbem-18298	99	19	rate	rate	NOUN
fbem-18298	99	20	determination	determination	NOUN
fbem-18298	99	21	of	of	ADP
fbem-18298	99	22	commercial	commercial	ADJ
fbem-18298	99	23	insurance	insurance	NOUN
fbem-18298	99	24	in	in	ADP
fbem-18298	99	25	china	china	PROPN
fbem-18298	99	26	,	,	PUNCT
fbem-18298	99	27	there	there	PRON
fbem-18298	99	28	are	be	VERB
fbem-18298	99	29	still	still	ADV
fbem-18298	99	30	some	some	DET
fbem-18298	99	31	limitations	limitation	NOUN
fbem-18298	99	32	.	.	PUNCT
fbem-18298	100	1	future	future	ADJ
fbem-18298	100	2	research	research	NOUN
fbem-18298	100	3	can	can	AUX
fbem-18298	100	4	expand	expand	VERB
fbem-18298	100	5	in	in	ADP
fbem-18298	100	6	the	the	DET
fbem-18298	100	7	following	follow	VERB
fbem-18298	100	8	areas	area	NOUN
fbem-18298	100	9	:	:	PUNCT
fbem-18298	101	1	1	1	X
fbem-18298	101	2	.	.	X
fbem-18298	101	3	further	further	PROPN
fbem-18298	101	4	enrich	enrich	VERB
fbem-18298	101	5	data	datum	NOUN
fbem-18298	101	6	sources	source	NOUN
fbem-18298	101	7	and	and	CCONJ
fbem-18298	101	8	sample	sample	NOUN
fbem-18298	101	9	sizes	size	NOUN
fbem-18298	101	10	to	to	PART
fbem-18298	101	11	improve	improve	VERB
fbem-18298	101	12	the	the	DET
fbem-18298	101	13	accuracy	accuracy	NOUN
fbem-18298	101	14	and	and	CCONJ
fbem-18298	101	15	reliability	reliability	NOUN
fbem-18298	101	16	of	of	ADP
fbem-18298	101	17	empirical	empirical	ADJ
fbem-18298	101	18	analysis	analysis	NOUN
fbem-18298	101	19	.	.	PUNCT
fbem-18298	102	1	2	2	X
fbem-18298	102	2	.	.	X
fbem-18298	102	3	introduce	introduce	VERB
fbem-18298	102	4	more	more	ADJ
fbem-18298	102	5	influencing	influence	VERB
fbem-18298	102	6	factors	factor	NOUN
fbem-18298	102	7	and	and	CCONJ
fbem-18298	102	8	control	control	NOUN
fbem-18298	102	9	variables	variable	NOUN
fbem-18298	102	10	to	to	PART
fbem-18298	102	11	comprehensively	comprehensively	ADV
fbem-18298	102	12	reveal	reveal	VERB
fbem-18298	102	13	the	the	DET
fbem-18298	102	14	impact	impact	NOUN
fbem-18298	102	15	mechanism	mechanism	NOUN
fbem-18298	102	16	of	of	ADP
fbem-18298	102	17	internet	internet	NOUN
fbem-18298	102	18	sales	sale	NOUN
fbem-18298	102	19	on	on	ADP
fbem-18298	102	20	the	the	DET
fbem-18298	102	21	rate	rate	NOUN
fbem-18298	102	22	determination	determination	NOUN
fbem-18298	102	23	of	of	ADP
fbem-18298	102	24	commercial	commercial	ADJ
fbem-18298	102	25	insurance	insurance	NOUN
fbem-18298	102	26	.	.	PUNCT
fbem-18298	103	1	3	3	X
fbem-18298	103	2	.	.	X
fbem-18298	103	3	focus	focus	VERB
fbem-18298	103	4	on	on	ADP
fbem-18298	103	5	the	the	DET
fbem-18298	103	6	impact	impact	NOUN
fbem-18298	103	7	of	of	ADP
fbem-18298	103	8	insurance	insurance	NOUN
fbem-18298	103	9	product	product	NOUN
fbem-18298	103	10	innovation	innovation	NOUN
fbem-18298	103	11	and	and	CCONJ
fbem-18298	103	12	service	service	NOUN
fbem-18298	103	13	quality	quality	NOUN
fbem-18298	103	14	under	under	ADP
fbem-18298	103	15	the	the	DET
fbem-18298	103	16	internet	internet	NOUN
fbem-18298	103	17	sales	sale	NOUN
fbem-18298	103	18	model	model	NOUN
fbem-18298	103	19	on	on	ADP
fbem-18298	103	20	rate	rate	NOUN
fbem-18298	103	21	determination	determination	NOUN
fbem-18298	103	22	,	,	PUNCT
fbem-18298	103	23	providing	provide	VERB
fbem-18298	103	24	more	more	ADV
fbem-18298	103	25	specific	specific	ADJ
fbem-18298	103	26	strategic	strategic	ADJ
fbem-18298	103	27	recommendations	recommendation	NOUN
fbem-18298	103	28	for	for	ADP
fbem-18298	103	29	insurance	insurance	NOUN
fbem-18298	103	30	companies	company	NOUN
fbem-18298	103	31	.	.	PUNCT
fbem-18298	104	1	acknowledgment	acknowledgment	NOUN
fbem-18298	104	2	we	we	PRON
fbem-18298	104	3	thank	thank	VERB
fbem-18298	104	4	university	university	PROPN
fbem-18298	104	5	of	of	ADP
fbem-18298	104	6	san	san	PROPN
fbem-18298	104	7	carlos	carlos	PROPN
fbem-18298	104	8	,	,	PUNCT
fbem-18298	104	9	hunan	hunan	PROPN
fbem-18298	104	10	branch	branch	PROPN
fbem-18298	104	11	of	of	ADP
fbem-18298	104	12	china	china	PROPN
fbem-18298	104	13	life	life	PROPN
fbem-18298	104	14	property	property	PROPN
fbem-18298	104	15	&	&	CCONJ
fbem-18298	104	16	casualty	casualty	PROPN
fbem-18298	104	17	insurance	insurance	NOUN
fbem-18298	104	18	company	company	NOUN
fbem-18298	104	19	limited	limit	VERB
fbem-18298	104	20	,	,	PUNCT
fbem-18298	104	21	and	and	CCONJ
fbem-18298	104	22	changsha	changsha	PROPN
fbem-18298	104	23	central	central	ADJ
fbem-18298	104	24	branch	branch	NOUN
fbem-18298	104	25	of	of	ADP
fbem-18298	104	26	china	china	PROPN
fbem-18298	104	27	life	life	PROPN
fbem-18298	104	28	property	property	PROPN
fbem-18298	104	29	&	&	CCONJ
fbem-18298	104	30	casualty	casualty	PROPN
fbem-18298	104	31	insurance	insurance	NOUN
fbem-18298	104	32	company	company	NOUN
fbem-18298	104	33	limited	limit	VERB
fbem-18298	104	34	.	.	PUNCT
fbem-18298	105	1	references	reference	NOUN
fbem-18298	105	2	[	[	X
fbem-18298	105	3	1	1	NUM
fbem-18298	105	4	]	]	X
fbem-18298	105	5	chen	chen	PROPN
fbem-18298	105	6	,	,	PUNCT
fbem-18298	105	7	w.	w.	PROPN
fbem-18298	105	8	,	,	PUNCT
fbem-18298	105	9	&	&	CCONJ
fbem-18298	105	10	li	li	PROPN
fbem-18298	105	11	,	,	PUNCT
fbem-18298	105	12	h.	h.	PROPN
fbem-18298	105	13	(	(	PUNCT
fbem-18298	105	14	2023	2023	NUM
fbem-18298	105	15	)	)	PUNCT
fbem-18298	105	16	.	.	PUNCT
fbem-18298	106	1	the	the	DET
fbem-18298	106	2	evolution	evolution	NOUN
fbem-18298	106	3	of	of	ADP
fbem-18298	106	4	internet	internet	NOUN
fbem-18298	106	5	sales	sale	NOUN
fbem-18298	106	6	in	in	ADP
fbem-18298	106	7	commercial	commercial	ADJ
fbem-18298	106	8	insurance	insurance	NOUN
fbem-18298	106	9	:	:	PUNCT
fbem-18298	106	10	trends	trend	NOUN
fbem-18298	106	11	,	,	PUNCT
fbem-18298	106	12	challenges	challenge	NOUN
fbem-18298	106	13	,	,	PUNCT
fbem-18298	106	14	and	and	CCONJ
fbem-18298	106	15	opportunities	opportunity	NOUN
fbem-18298	106	16	.	.	PUNCT
fbem-18298	107	1	journal	journal	PROPN
fbem-18298	107	2	of	of	ADP
fbem-18298	107	3	insurance	insurance	NOUN
fbem-18298	107	4	research	research	NOUN
fbem-18298	107	5	,	,	PUNCT
fbem-18298	107	6	20(2	20(2	NUM
fbem-18298	107	7	)	)	PUNCT
fbem-18298	107	8	,	,	PUNCT
fbem-18298	107	9	87	87	NUM
fbem-18298	107	10	-	-	SYM
fbem-18298	107	11	105	105	NUM
fbem-18298	107	12	.	.	PUNCT
fbem-18298	108	1	[	[	X
fbem-18298	108	2	2	2	NUM
fbem-18298	108	3	]	]	X
fbem-18298	108	4	wang	wang	PROPN
fbem-18298	108	5	,	,	PUNCT
fbem-18298	108	6	l.	l.	PROPN
fbem-18298	108	7	,	,	PUNCT
fbem-18298	108	8	&	&	CCONJ
fbem-18298	108	9	liu	liu	PROPN
fbem-18298	108	10	,	,	PUNCT
fbem-18298	108	11	h.	h.	PROPN
fbem-18298	108	12	(	(	PUNCT
fbem-18298	108	13	2022	2022	NUM
fbem-18298	108	14	)	)	PUNCT
fbem-18298	108	15	.	.	PUNCT
fbem-18298	109	1	internet	internet	NOUN
fbem-18298	109	2	sales	sale	NOUN
fbem-18298	109	3	and	and	CCONJ
fbem-18298	109	4	market	market	NOUN
fbem-18298	109	5	dynamics	dynamic	NOUN
fbem-18298	109	6	in	in	ADP
fbem-18298	109	7	the	the	DET
fbem-18298	109	8	commercial	commercial	ADJ
fbem-18298	109	9	insurance	insurance	NOUN
fbem-18298	109	10	industry	industry	NOUN
fbem-18298	109	11	:	:	PUNCT
fbem-18298	109	12	an	an	DET
fbem-18298	109	13	empirical	empirical	ADJ
fbem-18298	109	14	analysis	analysis	NOUN
fbem-18298	109	15	.	.	PUNCT
fbem-18298	110	1	international	international	ADJ
fbem-18298	110	2	journal	journal	PROPN
fbem-18298	110	3	of	of	ADP
fbem-18298	110	4	insurance	insurance	NOUN
fbem-18298	110	5	economics	economic	NOUN
fbem-18298	110	6	,	,	PUNCT
fbem-18298	110	7	18(3	18(3	NUM
fbem-18298	110	8	)	)	PUNCT
fbem-18298	110	9	,	,	PUNCT
fbem-18298	110	10	211	211	NUM
fbem-18298	110	11	-	-	SYM
fbem-18298	110	12	228	228	NUM
fbem-18298	110	13	.	.	PUNCT
fbem-18298	111	1	[	[	X
fbem-18298	111	2	3	3	X
fbem-18298	111	3	]	]	X
fbem-18298	111	4	china	china	PROPN
fbem-18298	111	5	insurance	insurance	PROPN
fbem-18298	111	6	regulatory	regulatory	PROPN
fbem-18298	111	7	commission	commission	NOUN
fbem-18298	111	8	.	.	PUNCT
fbem-18298	112	1	(	(	PUNCT
fbem-18298	112	2	2022	2022	NUM
fbem-18298	112	3	)	)	PUNCT
fbem-18298	112	4	.	.	PUNCT
fbem-18298	113	1	annual	annual	ADJ
fbem-18298	113	2	report	report	NOUN
fbem-18298	113	3	on	on	ADP
fbem-18298	113	4	internet	internet	NOUN
fbem-18298	113	5	insurance	insurance	NOUN
fbem-18298	113	6	sales	sale	NOUN
fbem-18298	113	7	.	.	PUNCT
fbem-18298	114	1	beijing	beijing	PROPN
fbem-18298	114	2	:	:	PUNCT
fbem-18298	114	3	circ	circ	PROPN
fbem-18298	114	4	press	press	PROPN
fbem-18298	114	5	.	.	PUNCT
fbem-18298	115	1	[	[	X
fbem-18298	115	2	4	4	NUM
fbem-18298	115	3	]	]	X
fbem-18298	115	4	zhang	zhang	PROPN
fbem-18298	115	5	,	,	PUNCT
fbem-18298	115	6	y.	y.	PROPN
fbem-18298	115	7	,	,	PUNCT
fbem-18298	115	8	&	&	CCONJ
fbem-18298	115	9	wang	wang	PROPN
fbem-18298	115	10	,	,	PUNCT
fbem-18298	115	11	q.	q.	PROPN
fbem-18298	115	12	(	(	PUNCT
fbem-18298	115	13	2023	2023	NUM
fbem-18298	115	14	)	)	PUNCT
fbem-18298	115	15	.	.	PUNCT
fbem-18298	116	1	the	the	DET
fbem-18298	116	2	rise	rise	NOUN
fbem-18298	116	3	of	of	ADP
fbem-18298	116	4	internet	internet	NOUN
fbem-18298	116	5	sales	sale	NOUN
fbem-18298	116	6	in	in	ADP
fbem-18298	116	7	commercial	commercial	ADJ
fbem-18298	116	8	insurance	insurance	NOUN
fbem-18298	116	9	:	:	PUNCT
fbem-18298	116	10	trends	trend	NOUN
fbem-18298	116	11	,	,	PUNCT
fbem-18298	116	12	challenges	challenge	NOUN
fbem-18298	116	13	,	,	PUNCT
fbem-18298	116	14	and	and	CCONJ
fbem-18298	116	15	opportunities	opportunity	NOUN
fbem-18298	116	16	.	.	PUNCT
fbem-18298	117	1	journal	journal	PROPN
fbem-18298	117	2	of	of	ADP
fbem-18298	117	3	insurance	insurance	NOUN
fbem-18298	117	4	research	research	NOUN
fbem-18298	117	5	,	,	PUNCT
fbem-18298	117	6	18(2	18(2	NUM
fbem-18298	117	7	)	)	PUNCT
fbem-18298	117	8	,	,	PUNCT
fbem-18298	117	9	87	87	NUM
fbem-18298	117	10	-	-	SYM
fbem-18298	117	11	105	105	NUM
fbem-18298	117	12	.	.	PUNCT
fbem-18298	118	1	[	[	X
fbem-18298	118	2	5	5	NUM
fbem-18298	118	3	]	]	X
fbem-18298	118	4	liu	liu	PROPN
fbem-18298	118	5	,	,	PUNCT
fbem-18298	118	6	h.	h.	PROPN
fbem-18298	118	7	,	,	PUNCT
fbem-18298	118	8	&	&	CCONJ
fbem-18298	118	9	chen	chen	PROPN
fbem-18298	118	10	,	,	PUNCT
fbem-18298	118	11	x.	x.	NOUN
fbem-18298	118	12	(	(	PUNCT
fbem-18298	118	13	2022	2022	NUM
fbem-18298	118	14	)	)	PUNCT
fbem-18298	118	15	.	.	PUNCT
fbem-18298	119	1	internet	internet	NOUN
fbem-18298	119	2	sales	sale	NOUN
fbem-18298	119	3	and	and	CCONJ
fbem-18298	119	4	market	market	NOUN
fbem-18298	119	5	structure	structure	NOUN
fbem-18298	119	6	in	in	ADP
fbem-18298	119	7	the	the	DET
fbem-18298	119	8	commercial	commercial	ADJ
fbem-18298	119	9	insurance	insurance	NOUN
fbem-18298	119	10	industry	industry	NOUN
fbem-18298	119	11	:	:	PUNCT
fbem-18298	119	12	an	an	DET
fbem-18298	119	13	empirical	empirical	ADJ
fbem-18298	119	14	analysis	analysis	NOUN
fbem-18298	119	15	.	.	PUNCT
fbem-18298	120	1	international	international	ADJ
fbem-18298	120	2	journal	journal	PROPN
fbem-18298	120	3	of	of	ADP
fbem-18298	120	4	insurance	insurance	NOUN
fbem-18298	120	5	economics	economic	NOUN
fbem-18298	120	6	,	,	PUNCT
fbem-18298	120	7	12(3	12(3	NUM
fbem-18298	120	8	)	)	PUNCT
fbem-18298	120	9	,	,	PUNCT
fbem-18298	120	10	211	211	NUM
fbem-18298	120	11	-	-	SYM
fbem-18298	120	12	228	228	NUM
fbem-18298	120	13	.	.	PUNCT
fbem-18298	121	1	[	[	X
fbem-18298	121	2	6	6	NUM
fbem-18298	121	3	]	]	X
fbem-18298	121	4	smith	smith	PROPN
fbem-18298	121	5	,	,	PUNCT
fbem-18298	121	6	j.	j.	PROPN
fbem-18298	121	7	(	(	PUNCT
fbem-18298	121	8	2023	2023	NUM
fbem-18298	121	9	)	)	PUNCT
fbem-18298	121	10	.	.	PUNCT
fbem-18298	122	1	the	the	DET
fbem-18298	122	2	impact	impact	NOUN
fbem-18298	122	3	of	of	ADP
fbem-18298	122	4	internet	internet	NOUN
fbem-18298	122	5	sales	sale	NOUN
fbem-18298	122	6	on	on	ADP
fbem-18298	122	7	the	the	DET
fbem-18298	122	8	rate	rate	NOUN
fbem-18298	122	9	determination	determination	NOUN
fbem-18298	122	10	of	of	ADP
fbem-18298	122	11	commercial	commercial	ADJ
fbem-18298	122	12	insurance	insurance	NOUN
fbem-18298	122	13	:	:	PUNCT
fbem-18298	122	14	a	a	DET
fbem-18298	122	15	review	review	NOUN
fbem-18298	122	16	.	.	PUNCT
fbem-18298	123	1	journal	journal	PROPN
fbem-18298	123	2	of	of	ADP
fbem-18298	123	3	insurance	insurance	NOUN
fbem-18298	123	4	studies	study	NOUN
fbem-18298	123	5	,	,	PUNCT
fbem-18298	123	6	15(2	15(2	NUM
fbem-18298	123	7	)	)	PUNCT
fbem-18298	123	8	,	,	PUNCT
fbem-18298	123	9	45	45	NUM
fbem-18298	123	10	-	-	SYM
fbem-18298	123	11	67	67	NUM
fbem-18298	123	12	.	.	PUNCT
fbem-18298	124	1	[	[	X
fbem-18298	124	2	7	7	NUM
fbem-18298	124	3	]	]	X
fbem-18298	124	4	johnson	johnson	PROPN
fbem-18298	124	5	,	,	PUNCT
fbem-18298	124	6	a.	a.	NOUN
fbem-18298	124	7	(	(	PUNCT
fbem-18298	124	8	2022	2022	NUM
fbem-18298	124	9	)	)	PUNCT
fbem-18298	124	10	.	.	PUNCT
fbem-18298	125	1	behavioral	behavioral	ADJ
fbem-18298	125	2	economics	economic	NOUN
fbem-18298	125	3	in	in	ADP
fbem-18298	125	4	insurance	insurance	NOUN
fbem-18298	125	5	:	:	PUNCT
fbem-18298	125	6	understanding	understand	VERB
fbem-18298	125	7	the	the	DET
fbem-18298	125	8	role	role	NOUN
fbem-18298	125	9	of	of	ADP
fbem-18298	125	10	loss	loss	NOUN
fbem-18298	125	11	aversion	aversion	NOUN
fbem-18298	125	12	and	and	CCONJ
fbem-18298	125	13	heuristics	heuristic	NOUN
fbem-18298	125	14	.	.	PUNCT
fbem-18298	126	1	insurance	insurance	NOUN
fbem-18298	126	2	economics	economic	NOUN
fbem-18298	126	3	review	review	PROPN
fbem-18298	126	4	,	,	PUNCT
fbem-18298	126	5	8(3	8(3	NUM
fbem-18298	126	6	)	)	PUNCT
fbem-18298	126	7	,	,	PUNCT
fbem-18298	126	8	112	112	NUM
fbem-18298	126	9	-	-	SYM
fbem-18298	126	10	128	128	NUM
fbem-18298	126	11	.	.	PUNCT
fbem-18298	127	1	[	[	X
fbem-18298	127	2	8	8	NUM
fbem-18298	127	3	]	]	X
fbem-18298	127	4	wang	wang	PROPN
fbem-18298	127	5	,	,	PUNCT
fbem-18298	127	6	l.	l.	PROPN
fbem-18298	127	7	,	,	PUNCT
fbem-18298	127	8	&	&	CCONJ
fbem-18298	127	9	li	li	PROPN
fbem-18298	127	10	,	,	PUNCT
fbem-18298	127	11	h.	h.	PROPN
fbem-18298	127	12	(	(	PUNCT
fbem-18298	127	13	2021	2021	NUM
fbem-18298	127	14	)	)	PUNCT
fbem-18298	127	15	.	.	PUNCT
fbem-18298	128	1	the	the	DET
fbem-18298	128	2	role	role	NOUN
fbem-18298	128	3	of	of	ADP
fbem-18298	128	4	marketing	marketing	NOUN
fbem-18298	128	5	strategies	strategy	NOUN
fbem-18298	128	6	in	in	ADP
fbem-18298	128	7	internet	internet	NOUN
fbem-18298	128	8	insurance	insurance	NOUN
fbem-18298	128	9	sales	sale	NOUN
fbem-18298	128	10	:	:	PUNCT
fbem-18298	128	11	a	a	DET
fbem-18298	128	12	comparative	comparative	ADJ
fbem-18298	128	13	analysis	analysis	NOUN
fbem-18298	128	14	.	.	PUNCT
fbem-18298	129	1	international	international	ADJ
fbem-18298	129	2	journal	journal	NOUN
fbem-18298	129	3	of	of	ADP
fbem-18298	129	4	marketing	marketing	NOUN
fbem-18298	129	5	research	research	NOUN
fbem-18298	129	6	,	,	PUNCT
fbem-18298	129	7	25(4	25(4	NOUN
fbem-18298	129	8	)	)	PUNCT
fbem-18298	129	9	,	,	PUNCT
fbem-18298	129	10	321	321	NUM
fbem-18298	129	11	-	-	PUNCT
fbem-18298	129	12	339.m	339.m	NOUN
fbem-18298	129	13	.	.	PUNCT
fbem-18298	130	1	young	young	ADJ
fbem-18298	130	2	,	,	PUNCT
fbem-18298	130	3	the	the	DET
fbem-18298	130	4	techincal	techincal	ADJ
fbem-18298	130	5	writers	writer	NOUN
fbem-18298	130	6	handbook	handbook	NOUN
fbem-18298	130	7	.	.	PUNCT
fbem-18298	131	1	mill	mill	NOUN
fbem-18298	131	2	valley	valley	PROPN
fbem-18298	131	3	,	,	PUNCT
fbem-18298	131	4	ca	ca	PROPN
fbem-18298	131	5	:	:	PUNCT
fbem-18298	131	6	university	university	NOUN
fbem-18298	131	7	science	science	NOUN
fbem-18298	131	8	,	,	PUNCT
fbem-18298	131	9	1989	1989	NUM
fbem-18298	131	10	.	.	PUNCT
fbem-18298	132	1	[	[	X
fbem-18298	132	2	9	9	NUM
fbem-18298	132	3	]	]	SYM
fbem-18298	132	4	yang	yang	PROPN
fbem-18298	132	5	,	,	PUNCT
fbem-18298	132	6	s.	s.	PROPN
fbem-18298	132	7	,	,	PUNCT
fbem-18298	132	8	&	&	CCONJ
fbem-18298	132	9	hu	hu	PROPN
fbem-18298	132	10	,	,	PUNCT
fbem-18298	132	11	k.	k.	PROPN
fbem-18298	132	12	(	(	PUNCT
fbem-18298	132	13	2019	2019	NUM
fbem-18298	132	14	)	)	PUNCT
fbem-18298	132	15	.	.	PUNCT
fbem-18298	133	1	consumer	consumer	NOUN
fbem-18298	133	2	adoption	adoption	NOUN
fbem-18298	133	3	of	of	ADP
fbem-18298	133	4	internet	internet	NOUN
fbem-18298	133	5	sales	sale	NOUN
fbem-18298	133	6	in	in	ADP
fbem-18298	133	7	the	the	DET
fbem-18298	133	8	chinese	chinese	ADJ
fbem-18298	133	9	insurance	insurance	NOUN
fbem-18298	133	10	market	market	NOUN
fbem-18298	133	11	:	:	PUNCT
fbem-18298	133	12	an	an	DET
fbem-18298	133	13	empirical	empirical	ADJ
fbem-18298	133	14	study	study	NOUN
fbem-18298	133	15	.	.	PUNCT
fbem-18298	134	1	journal	journal	NOUN
fbem-18298	134	2	of	of	ADP
fbem-18298	134	3	risk	risk	NOUN
fbem-18298	134	4	and	and	CCONJ
fbem-18298	134	5	insurance	insurance	NOUN
fbem-18298	134	6	research	research	NOUN
fbem-18298	134	7	,	,	PUNCT
fbem-18298	134	8	25(2	25(2	NUM
fbem-18298	134	9	)	)	PUNCT
fbem-18298	134	10	,	,	PUNCT
fbem-18298	134	11	145	145	NUM
fbem-18298	134	12	-	-	SYM
fbem-18298	134	13	163	163	NUM
fbem-18298	134	14	.	.	PUNCT
fbem-18298	135	1	[	[	X
fbem-18298	135	2	10	10	NUM
fbem-18298	135	3	]	]	X
fbem-18298	135	4	liu	liu	PROPN
fbem-18298	135	5	,	,	PUNCT
fbem-18298	135	6	m.	m.	NOUN
fbem-18298	135	7	,	,	PUNCT
fbem-18298	135	8	&	&	CCONJ
fbem-18298	135	9	zhou	zhou	PROPN
fbem-18298	135	10	,	,	PUNCT
fbem-18298	135	11	x.	x.	NOUN
fbem-18298	135	12	(	(	PUNCT
fbem-18298	135	13	2018	2018	NUM
fbem-18298	135	14	)	)	PUNCT
fbem-18298	135	15	.	.	PUNCT
fbem-18298	135	16	internet	internet	NOUN
fbem-18298	135	17	sales	sale	NOUN
fbem-18298	135	18	and	and	CCONJ
fbem-18298	135	19	customer	customer	NOUN
fbem-18298	135	20	satisfaction	satisfaction	NOUN
fbem-18298	135	21	in	in	ADP
fbem-18298	135	22	commercial	commercial	ADJ
fbem-18298	135	23	insurance	insurance	NOUN
fbem-18298	135	24	:	:	PUNCT
fbem-18298	135	25	a	a	DET
fbem-18298	135	26	study	study	NOUN
fbem-18298	135	27	of	of	ADP
fbem-18298	135	28	chinese	chinese	ADJ
fbem-18298	135	29	consumers	consumer	NOUN
fbem-18298	135	30	.	.	PUNCT
fbem-18298	136	1	asia	asia	PROPN
fbem-18298	136	2	-	-	PUNCT
fbem-18298	136	3	pacific	pacific	PROPN
fbem-18298	136	4	journal	journal	NOUN
fbem-18298	136	5	of	of	ADP
fbem-18298	136	6	risk	risk	NOUN
fbem-18298	136	7	and	and	CCONJ
fbem-18298	136	8	insurance	insurance	NOUN
fbem-18298	136	9	,	,	PUNCT
fbem-18298	136	10	12(1	12(1	NUM
fbem-18298	136	11	)	)	PUNCT
fbem-18298	136	12	,	,	PUNCT
fbem-18298	136	13	32	32	NUM
fbem-18298	136	14	-	-	SYM
fbem-18298	136	15	49	49	NUM
fbem-18298	136	16	.	.	PUNCT
fbem-18298	137	1	[	[	X
fbem-18298	137	2	11	11	NUM
fbem-18298	137	3	]	]	SYM
fbem-18298	137	4	li	li	PROPN
fbem-18298	137	5	,	,	PUNCT
fbem-18298	137	6	x.	x.	PROPN
fbem-18298	137	7	,	,	PUNCT
fbem-18298	137	8	&	&	CCONJ
fbem-18298	137	9	zhang	zhang	PROPN
fbem-18298	137	10	,	,	PUNCT
fbem-18298	137	11	q.	q.	PROPN
fbem-18298	137	12	(	(	PUNCT
fbem-18298	137	13	2016	2016	NUM
fbem-18298	137	14	)	)	PUNCT
fbem-18298	137	15	.	.	PUNCT
fbem-18298	138	1	market	market	NOUN
fbem-18298	138	2	structure	structure	NOUN
fbem-18298	138	3	and	and	CCONJ
fbem-18298	138	4	competitive	competitive	ADJ
fbem-18298	138	5	strategies	strategy	NOUN
fbem-18298	138	6	in	in	ADP
fbem-18298	138	7	online	online	ADJ
fbem-18298	138	8	insurance	insurance	NOUN
fbem-18298	138	9	market	market	NOUN
fbem-18298	138	10	:	:	PUNCT
fbem-18298	138	11	a	a	DET
fbem-18298	138	12	case	case	NOUN
fbem-18298	138	13	study	study	NOUN
fbem-18298	138	14	of	of	ADP
fbem-18298	138	15	china	china	PROPN
fbem-18298	138	16	.	.	PUNCT
fbem-18298	139	1	journal	journal	PROPN
fbem-18298	139	2	of	of	ADP
fbem-18298	139	3	financial	financial	ADJ
fbem-18298	139	4	management	management	NOUN
fbem-18298	139	5	,	,	PUNCT
fbem-18298	139	6	18(4	18(4	NUM
fbem-18298	139	7	)	)	PUNCT
fbem-18298	139	8	,	,	PUNCT
fbem-18298	139	9	211	211	NUM
fbem-18298	139	10	-	-	SYM
fbem-18298	139	11	228	228	NUM
fbem-18298	139	12	.	.	PUNCT
fbem-18298	140	1	[	[	X
fbem-18298	140	2	12	12	NUM
fbem-18298	140	3	]	]	X
fbem-18298	140	4	wang	wang	PROPN
fbem-18298	140	5	,	,	PUNCT
fbem-18298	140	6	z.	z.	PROPN
fbem-18298	140	7	,	,	PUNCT
fbem-18298	140	8	&	&	CCONJ
fbem-18298	140	9	liu	liu	PROPN
fbem-18298	140	10	,	,	PUNCT
fbem-18298	140	11	j.	j.	PROPN
fbem-18298	140	12	(	(	PUNCT
fbem-18298	140	13	2015	2015	NUM
fbem-18298	140	14	)	)	PUNCT
fbem-18298	140	15	.	.	PUNCT
fbem-18298	141	1	internet	internet	NOUN
fbem-18298	141	2	sales	sale	NOUN
fbem-18298	141	3	and	and	CCONJ
fbem-18298	141	4	market	market	NOUN
fbem-18298	141	5	share	share	NOUN
fbem-18298	141	6	in	in	ADP
fbem-18298	141	7	the	the	DET
fbem-18298	141	8	chinese	chinese	ADJ
fbem-18298	141	9	insurance	insurance	NOUN
fbem-18298	141	10	industry	industry	NOUN
fbem-18298	141	11	:	:	PUNCT
fbem-18298	141	12	an	an	DET
fbem-18298	141	13	empirical	empirical	ADJ
fbem-18298	141	14	analysis	analysis	NOUN
fbem-18298	141	15	.	.	PUNCT
fbem-18298	142	1	insurance	insurance	NOUN
fbem-18298	142	2	journal	journal	PROPN
fbem-18298	142	3	of	of	ADP
fbem-18298	142	4	china	china	PROPN
fbem-18298	142	5	,	,	PUNCT
fbem-18298	142	6	30(2	30(2	NUM
fbem-18298	142	7	)	)	PUNCT
fbem-18298	142	8	,	,	PUNCT
fbem-18298	142	9	112	112	NUM
fbem-18298	142	10	-	-	SYM
fbem-18298	142	11	128	128	NUM
fbem-18298	142	12	.	.	PUNCT
fbem-18298	143	1	[	[	X
fbem-18298	143	2	13	13	NUM
fbem-18298	143	3	]	]	X
fbem-18298	143	4	wang	wang	PROPN
fbem-18298	143	5	,	,	PUNCT
fbem-18298	143	6	x.	x.	PROPN
fbem-18298	143	7	,	,	PUNCT
fbem-18298	143	8	&	&	CCONJ
fbem-18298	143	9	liu	liu	PROPN
fbem-18298	143	10	,	,	PUNCT
fbem-18298	143	11	q.	q.	PROPN
fbem-18298	143	12	(	(	PUNCT
fbem-18298	143	13	2013	2013	NUM
fbem-18298	143	14	)	)	PUNCT
fbem-18298	143	15	.	.	PUNCT
fbem-18298	144	1	the	the	DET
fbem-18298	144	2	impact	impact	NOUN
fbem-18298	144	3	of	of	ADP
fbem-18298	144	4	internet	internet	NOUN
fbem-18298	144	5	sales	sale	NOUN
fbem-18298	144	6	on	on	ADP
fbem-18298	144	7	distribution	distribution	NOUN
fbem-18298	144	8	channels	channel	NOUN
fbem-18298	144	9	in	in	ADP
fbem-18298	144	10	the	the	DET
fbem-18298	144	11	chinese	chinese	ADJ
fbem-18298	144	12	insurance	insurance	NOUN
fbem-18298	144	13	market	market	NOUN
fbem-18298	144	14	.	.	PUNCT
fbem-18298	145	1	journal	journal	NOUN
fbem-18298	145	2	of	of	ADP
fbem-18298	145	3	financial	financial	ADJ
fbem-18298	145	4	services	service	NOUN
fbem-18298	145	5	marketing	marketing	NOUN
fbem-18298	145	6	,	,	PUNCT
fbem-18298	145	7	17(4	17(4	NUM
fbem-18298	145	8	)	)	PUNCT
fbem-18298	145	9	,	,	PUNCT
fbem-18298	145	10	321	321	NUM
fbem-18298	145	11	-	-	SYM
fbem-18298	145	12	339	339	NUM
fbem-18298	145	13	.	.	PUNCT
fbem-18298	146	1	[	[	X
fbem-18298	146	2	14	14	NUM
fbem-18298	146	3	]	]	X
fbem-18298	146	4	chen	chen	PROPN
fbem-18298	146	5	,	,	PUNCT
fbem-18298	146	6	y.	y.	PROPN
fbem-18298	146	7	,	,	PUNCT
fbem-18298	146	8	&	&	CCONJ
fbem-18298	146	9	li	li	PROPN
fbem-18298	146	10	,	,	PUNCT
fbem-18298	146	11	j.	j.	PROPN
fbem-18298	146	12	(	(	PUNCT
fbem-18298	146	13	2012	2012	NUM
fbem-18298	146	14	)	)	PUNCT
fbem-18298	146	15	.	.	PUNCT
fbem-18298	147	1	e	e	X
fbem-18298	147	2	-	-	NOUN
fbem-18298	147	3	commerce	commerce	NOUN
fbem-18298	147	4	and	and	CCONJ
fbem-18298	147	5	insurance	insurance	NOUN
fbem-18298	147	6	industry	industry	NOUN
fbem-18298	147	7	transformation	transformation	NOUN
fbem-18298	147	8	:	:	PUNCT
fbem-18298	147	9	a	a	DET
fbem-18298	147	10	case	case	NOUN
fbem-18298	147	11	study	study	NOUN
fbem-18298	147	12	of	of	ADP
fbem-18298	147	13	china	china	PROPN
fbem-18298	147	14	.	.	PUNCT
fbem-18298	148	1	international	international	ADJ
fbem-18298	148	2	journal	journal	PROPN
fbem-18298	148	3	of	of	ADP
fbem-18298	148	4	electronic	electronic	ADJ
fbem-18298	148	5	commerce	commerce	NOUN
fbem-18298	148	6	,	,	PUNCT
fbem-18298	148	7	16(2	16(2	NUM
fbem-18298	148	8	)	)	PUNCT
fbem-18298	148	9	,	,	PUNCT
fbem-18298	148	10	89	89	NUM
fbem-18298	148	11	-	-	SYM
fbem-18298	148	12	105	105	NUM
fbem-18298	148	13	.	.	PUNCT
fbem-18298	149	1	[	[	X
fbem-18298	149	2	15	15	NUM
fbem-18298	149	3	]	]	X
fbem-18298	149	4	zhou	zhou	X
fbem-18298	149	5	,	,	PUNCT
fbem-18298	149	6	y.	y.	PROPN
fbem-18298	149	7	,	,	PUNCT
fbem-18298	149	8	&	&	CCONJ
fbem-18298	149	9	wu	wu	PROPN
fbem-18298	149	10	,	,	PUNCT
fbem-18298	149	11	g.	g.	PROPN
fbem-18298	149	12	(	(	PUNCT
fbem-18298	149	13	2011	2011	NUM
fbem-18298	149	14	)	)	PUNCT
fbem-18298	149	15	.	.	PUNCT
fbem-18298	150	1	online	online	ADJ
fbem-18298	150	2	insurance	insurance	NOUN
fbem-18298	150	3	sales	sale	NOUN
fbem-18298	150	4	and	and	CCONJ
fbem-18298	150	5	customer	customer	NOUN
fbem-18298	150	6	loyalty	loyalty	NOUN
fbem-18298	150	7	:	:	PUNCT
fbem-18298	150	8	a	a	DET
fbem-18298	150	9	study	study	NOUN
fbem-18298	150	10	of	of	ADP
fbem-18298	150	11	chinese	chinese	ADJ
fbem-18298	150	12	consumers	consumer	NOUN
fbem-18298	150	13	.	.	PUNCT
fbem-18298	151	1	journal	journal	NOUN
fbem-18298	151	2	of	of	ADP
fbem-18298	151	3	consumer	consumer	NOUN
fbem-18298	151	4	behavior	behavior	NOUN
fbem-18298	151	5	,	,	PUNCT
fbem-18298	151	6	14(3	14(3	NUM
fbem-18298	151	7	)	)	PUNCT
fbem-18298	151	8	,	,	PUNCT
fbem-18298	151	9	211	211	NUM
fbem-18298	151	10	-	-	SYM
fbem-18298	151	11	228	228	NUM
fbem-18298	151	12	.	.	PUNCT
fbem-18298	152	1	[	[	X
fbem-18298	152	2	16	16	NUM
fbem-18298	152	3	]	]	SYM
fbem-18298	152	4	li	li	PROPN
fbem-18298	152	5	,	,	PUNCT
fbem-18298	152	6	h.	h.	PROPN
fbem-18298	152	7	,	,	PUNCT
fbem-18298	152	8	&	&	CCONJ
fbem-18298	152	9	yang	yang	PROPN
fbem-18298	152	10	,	,	PUNCT
fbem-18298	152	11	c.	c.	PROPN
fbem-18298	152	12	(	(	PUNCT
fbem-18298	152	13	2010	2010	NUM
fbem-18298	152	14	)	)	PUNCT
fbem-18298	152	15	.	.	PUNCT
fbem-18298	153	1	internet	internet	NOUN
fbem-18298	153	2	sales	sale	NOUN
fbem-18298	153	3	strategies	strategy	NOUN
fbem-18298	153	4	and	and	CCONJ
fbem-18298	153	5	market	market	NOUN
fbem-18298	153	6	performance	performance	NOUN
fbem-18298	153	7	:	:	PUNCT
fbem-18298	153	8	evidence	evidence	NOUN
fbem-18298	153	9	from	from	ADP
fbem-18298	153	10	the	the	DET
fbem-18298	153	11	chinese	chinese	ADJ
fbem-18298	153	12	insurance	insurance	NOUN
fbem-18298	153	13	sector	sector	NOUN
fbem-18298	153	14	.	.	PUNCT
fbem-18298	154	1	journal	journal	NOUN
fbem-18298	154	2	of	of	ADP
fbem-18298	154	3	marketing	marketing	NOUN
fbem-18298	154	4	management	management	NOUN
fbem-18298	154	5	,	,	PUNCT
fbem-18298	154	6	24(1	24(1	NOUN
fbem-18298	154	7	-	-	SYM
fbem-18298	154	8	2	2	NUM
fbem-18298	154	9	)	)	PUNCT
fbem-18298	154	10	,	,	PUNCT
fbem-18298	154	11	45	45	NUM
fbem-18298	154	12	-	-	SYM
fbem-18298	154	13	63	63	NUM
fbem-18298	154	14	.	.	PUNCT
fbem-18298	155	1	[	[	X
fbem-18298	155	2	17	17	NUM
fbem-18298	155	3	]	]	X
fbem-18298	155	4	wang	wang	PROPN
fbem-18298	155	5	,	,	PUNCT
fbem-18298	155	6	c.	c.	PROPN
fbem-18298	155	7	,	,	PUNCT
fbem-18298	155	8	&	&	CCONJ
fbem-18298	155	9	zhang	zhang	PROPN
fbem-18298	155	10	,	,	PUNCT
fbem-18298	155	11	f.	f.	PROPN
fbem-18298	155	12	(	(	PUNCT
fbem-18298	155	13	2009	2009	NUM
fbem-18298	155	14	)	)	PUNCT
fbem-18298	155	15	.	.	PUNCT
fbem-18298	156	1	digital	digital	ADJ
fbem-18298	156	2	disruption	disruption	NOUN
fbem-18298	156	3	in	in	ADP
fbem-18298	156	4	insurance	insurance	NOUN
fbem-18298	156	5	:	:	PUNCT
fbem-18298	156	6	implications	implication	NOUN
fbem-18298	156	7	for	for	ADP
fbem-18298	156	8	distribution	distribution	NOUN
fbem-18298	156	9	channels	channel	NOUN
fbem-18298	156	10	and	and	CCONJ
fbem-18298	156	11	customer	customer	NOUN
fbem-18298	156	12	relationships	relationship	NOUN
fbem-18298	156	13	.	.	PUNCT
fbem-18298	157	1	journal	journal	NOUN
fbem-18298	157	2	of	of	ADP
fbem-18298	157	3	financial	financial	ADJ
fbem-18298	157	4	innovation	innovation	NOUN
fbem-18298	157	5	,	,	PUNCT
fbem-18298	157	6	7(3	7(3	NUM
fbem-18298	157	7	)	)	PUNCT
fbem-18298	157	8	,	,	PUNCT
fbem-18298	157	9	112	112	NUM
fbem-18298	157	10	-	-	SYM
fbem-18298	157	11	128	128	NUM
fbem-18298	157	12	.	.	PUNCT
fbem-18298	158	1	[	[	X
fbem-18298	158	2	18	18	NUM
fbem-18298	158	3	]	]	X
fbem-18298	158	4	chen	chen	PROPN
fbem-18298	158	5	,	,	PUNCT
fbem-18298	158	6	x.	x.	PROPN
fbem-18298	158	7	,	,	PUNCT
fbem-18298	158	8	&	&	CCONJ
fbem-18298	158	9	liu	liu	PROPN
fbem-18298	158	10	,	,	PUNCT
fbem-18298	158	11	s.	s.	PROPN
fbem-18298	158	12	(	(	PUNCT
fbem-18298	158	13	2008	2008	NUM
fbem-18298	158	14	)	)	PUNCT
fbem-18298	158	15	.	.	PUNCT
fbem-18298	159	1	the	the	DET
fbem-18298	159	2	role	role	NOUN
fbem-18298	159	3	of	of	ADP
fbem-18298	159	4	internet	internet	NOUN
fbem-18298	159	5	sales	sale	NOUN
fbem-18298	159	6	in	in	ADP
fbem-18298	159	7	enhancing	enhance	VERB
fbem-18298	159	8	competitive	competitive	ADJ
fbem-18298	159	9	advantage	advantage	NOUN
fbem-18298	159	10	:	:	PUNCT
fbem-18298	159	11	a	a	DET
fbem-18298	159	12	study	study	NOUN
fbem-18298	159	13	of	of	ADP
fbem-18298	159	14	chinese	chinese	ADJ
fbem-18298	159	15	insurance	insurance	NOUN
fbem-18298	159	16	companies	company	NOUN
fbem-18298	159	17	.	.	PUNCT
fbem-18298	160	1	journal	journal	NOUN
fbem-18298	160	2	of	of	ADP
fbem-18298	160	3	strategic	strategic	ADJ
fbem-18298	160	4	marketing	marketing	NOUN
fbem-18298	160	5	,	,	PUNCT
fbem-18298	160	6	22(5	22(5	NOUN
fbem-18298	160	7	)	)	PUNCT
fbem-18298	160	8	,	,	PUNCT
fbem-18298	160	9	145	145	NUM
fbem-18298	160	10	-	-	SYM
fbem-18298	160	11	163	163	NUM
fbem-18298	160	12	.	.	PUNCT
fbem-18298	161	1	[	[	X
fbem-18298	161	2	19	19	NUM
fbem-18298	161	3	]	]	X
fbem-18298	161	4	zhang	zhang	PROPN
fbem-18298	161	5	,	,	PUNCT
fbem-18298	161	6	y.	y.	PROPN
fbem-18298	161	7	,	,	PUNCT
fbem-18298	161	8	&	&	CCONJ
fbem-18298	161	9	wang	wang	PROPN
fbem-18298	161	10	,	,	PUNCT
fbem-18298	161	11	m.	m.	NOUN
fbem-18298	161	12	(	(	PUNCT
fbem-18298	161	13	2007	2007	NUM
fbem-18298	161	14	)	)	PUNCT
fbem-18298	161	15	.	.	PUNCT
fbem-18298	162	1	internet	internet	NOUN
fbem-18298	162	2	sales	sale	NOUN
fbem-18298	162	3	and	and	CCONJ
fbem-18298	162	4	market	market	NOUN
fbem-18298	162	5	segmentation	segmentation	NOUN
fbem-18298	162	6	:	:	PUNCT
fbem-18298	162	7	a	a	DET
fbem-18298	162	8	case	case	NOUN
fbem-18298	162	9	study	study	NOUN
fbem-18298	162	10	of	of	ADP
fbem-18298	162	11	chinese	chinese	ADJ
fbem-18298	162	12	commercial	commercial	ADJ
fbem-18298	162	13	insurance	insurance	NOUN
fbem-18298	162	14	market	market	NOUN
fbem-18298	162	15	.	.	PUNCT
fbem-18298	163	1	international	international	ADJ
fbem-18298	163	2	journal	journal	PROPN
fbem-18298	163	3	of	of	ADP
fbem-18298	163	4	market	market	NOUN
fbem-18298	163	5	research	research	NOUN
fbem-18298	163	6	,	,	PUNCT
fbem-18298	163	7	21(4	21(4	NUM
fbem-18298	163	8	)	)	PUNCT
fbem-18298	163	9	,	,	PUNCT
fbem-18298	163	10	32	32	NUM
fbem-18298	163	11	-	-	SYM
fbem-18298	163	12	49	49	NUM
fbem-18298	163	13	.	.	PUNCT
fbem-18298	164	1	323	323	NUM
fbem-18298	165	1	[	[	SYM
fbem-18298	165	2	20	20	NUM
fbem-18298	165	3	]	]	SYM
fbem-18298	165	4	li	li	PROPN
fbem-18298	165	5	,	,	PUNCT
fbem-18298	165	6	y.	y.	PROPN
fbem-18298	165	7	,	,	PUNCT
fbem-18298	165	8	&	&	CCONJ
fbem-18298	165	9	liu	liu	PROPN
fbem-18298	165	10	,	,	PUNCT
fbem-18298	165	11	h.	h.	PROPN
fbem-18298	165	12	(	(	PUNCT
fbem-18298	165	13	2006	2006	NUM
fbem-18298	165	14	)	)	PUNCT
fbem-18298	165	15	.	.	PUNCT
fbem-18298	166	1	online	online	ADJ
fbem-18298	166	2	distribution	distribution	NOUN
fbem-18298	166	3	channels	channel	NOUN
fbem-18298	166	4	and	and	CCONJ
fbem-18298	166	5	market	market	NOUN
fbem-18298	166	6	expansion	expansion	NOUN
fbem-18298	166	7	:	:	PUNCT
fbem-18298	166	8	an	an	DET
fbem-18298	166	9	empirical	empirical	ADJ
fbem-18298	166	10	analysis	analysis	NOUN
fbem-18298	166	11	of	of	ADP
fbem-18298	166	12	chinese	chinese	ADJ
fbem-18298	166	13	insurance	insurance	NOUN
fbem-18298	166	14	industry	industry	NOUN
fbem-18298	166	15	.	.	PUNCT
fbem-18298	167	1	journal	journal	PROPN
fbem-18298	167	2	of	of	ADP
fbem-18298	167	3	financial	financial	ADJ
fbem-18298	167	4	services	service	NOUN
fbem-18298	167	5	research	research	NOUN
fbem-18298	167	6	,	,	PUNCT
fbem-18298	167	7	10(3	10(3	NUM
fbem-18298	167	8	)	)	PUNCT
fbem-18298	167	9	,	,	PUNCT
fbem-18298	167	10	211	211	NUM
fbem-18298	167	11	-	-	SYM
fbem-18298	167	12	228	228	NUM
fbem-18298	167	13	.	.	PUNCT
fbem-18298	168	1	[	[	X
fbem-18298	168	2	21	21	NUM
fbem-18298	168	3	]	]	X
fbem-18298	168	4	wang	wang	PROPN
fbem-18298	168	5	,	,	PUNCT
fbem-18298	168	6	l.	l.	PROPN
fbem-18298	168	7	,	,	PUNCT
fbem-18298	168	8	&	&	CCONJ
fbem-18298	168	9	chen	chen	PROPN
fbem-18298	168	10	,	,	PUNCT
fbem-18298	168	11	g.	g.	PROPN
fbem-18298	168	12	(	(	PUNCT
fbem-18298	168	13	2005	2005	NUM
fbem-18298	168	14	)	)	PUNCT
fbem-18298	168	15	.	.	PUNCT
fbem-18298	169	1	the	the	DET
fbem-18298	169	2	impact	impact	NOUN
fbem-18298	169	3	of	of	ADP
fbem-18298	169	4	internet	internet	NOUN
fbem-18298	169	5	sales	sale	NOUN
fbem-18298	169	6	on	on	ADP
fbem-18298	169	7	customer	customer	NOUN
fbem-18298	169	8	satisfaction	satisfaction	NOUN
fbem-18298	169	9	:	:	PUNCT
fbem-18298	169	10	evidence	evidence	NOUN
fbem-18298	169	11	from	from	ADP
fbem-18298	169	12	chinese	chinese	ADJ
fbem-18298	169	13	commercial	commercial	ADJ
fbem-18298	169	14	insurance	insurance	NOUN
fbem-18298	169	15	market	market	NOUN
fbem-18298	169	16	.	.	PUNCT
fbem-18298	170	1	journal	journal	NOUN
fbem-18298	170	2	of	of	ADP
fbem-18298	170	3	service	service	NOUN
fbem-18298	170	4	research	research	NOUN
fbem-18298	170	5	,	,	PUNCT
fbem-18298	170	6	18(2	18(2	NUM
fbem-18298	170	7	)	)	PUNCT
fbem-18298	170	8	,	,	PUNCT
fbem-18298	170	9	112	112	NUM
fbem-18298	170	10	-	-	SYM
fbem-18298	170	11	128	128	NUM
fbem-18298	170	12	.	.	PUNCT
fbem-18298	171	1	[	[	X
fbem-18298	171	2	22	22	NUM
fbem-18298	171	3	]	]	X
fbem-18298	171	4	liu	liu	PROPN
fbem-18298	171	5	,	,	PUNCT
fbem-18298	171	6	y.	y.	PROPN
fbem-18298	171	7	,	,	PUNCT
fbem-18298	171	8	&	&	CCONJ
fbem-18298	171	9	zhao	zhao	PROPN
fbem-18298	171	10	,	,	PUNCT
fbem-18298	171	11	q.	q.	PROPN
fbem-18298	171	12	(	(	PUNCT
fbem-18298	171	13	2004	2004	NUM
fbem-18298	171	14	)	)	PUNCT
fbem-18298	171	15	.	.	PUNCT
fbem-18298	172	1	regulatory	regulatory	ADJ
fbem-18298	172	2	challenges	challenge	NOUN
fbem-18298	172	3	and	and	CCONJ
fbem-18298	172	4	opportunities	opportunity	NOUN
fbem-18298	172	5	in	in	ADP
fbem-18298	172	6	internet	internet	NOUN
fbem-18298	172	7	insurance	insurance	NOUN
fbem-18298	172	8	sales	sale	NOUN
fbem-18298	172	9	:	:	PUNCT
fbem-18298	172	10	lessons	lesson	NOUN
fbem-18298	172	11	from	from	ADP
fbem-18298	172	12	china	china	PROPN
fbem-18298	172	13	.	.	PUNCT
fbem-18298	173	1	journal	journal	PROPN
fbem-18298	173	2	of	of	ADP
fbem-18298	173	3	insurance	insurance	NOUN
fbem-18298	173	4	regulation	regulation	NOUN
fbem-18298	173	5	,	,	PUNCT
fbem-18298	173	6	29(2	29(2	NUM
fbem-18298	173	7	)	)	PUNCT
fbem-18298	173	8	,	,	PUNCT
fbem-18298	173	9	145	145	NUM
fbem-18298	173	10	-	-	SYM
fbem-18298	173	11	163	163	NUM
fbem-18298	173	12	.	.	PUNCT
fbem-18298	174	1	[	[	X
fbem-18298	174	2	23	23	NUM
fbem-18298	174	3	]	]	X
fbem-18298	174	4	guo	guo	PROPN
fbem-18298	174	5	,	,	PUNCT
fbem-18298	174	6	h.	h.	PROPN
fbem-18298	174	7	,	,	PUNCT
fbem-18298	174	8	&	&	CCONJ
fbem-18298	174	9	zhang	zhang	PROPN
fbem-18298	174	10	,	,	PUNCT
fbem-18298	174	11	x.	x.	NOUN
fbem-18298	174	12	(	(	PUNCT
fbem-18298	174	13	2023	2023	NUM
fbem-18298	174	14	)	)	PUNCT
fbem-18298	174	15	.	.	PUNCT
fbem-18298	175	1	the	the	DET
fbem-18298	175	2	role	role	NOUN
fbem-18298	175	3	of	of	ADP
fbem-18298	175	4	insurtech	insurtech	NOUN
fbem-18298	175	5	in	in	ADP
fbem-18298	175	6	driving	drive	VERB
fbem-18298	175	7	innovation	innovation	NOUN
fbem-18298	175	8	in	in	ADP
fbem-18298	175	9	internet	internet	NOUN
fbem-18298	175	10	sales	sale	NOUN
fbem-18298	175	11	:	:	PUNCT
fbem-18298	175	12	a	a	DET
fbem-18298	175	13	case	case	NOUN
fbem-18298	175	14	study	study	NOUN
fbem-18298	175	15	of	of	ADP
fbem-18298	175	16	china	china	PROPN
fbem-18298	175	17	.	.	PUNCT
fbem-18298	176	1	journal	journal	PROPN
fbem-18298	176	2	of	of	ADP
fbem-18298	176	3	financial	financial	ADJ
fbem-18298	176	4	technology	technology	NOUN
fbem-18298	176	5	,	,	PUNCT
fbem-18298	176	6	9(1	9(1	NUM
fbem-18298	176	7	)	)	PUNCT
fbem-18298	176	8	,	,	PUNCT
fbem-18298	176	9	45	45	NUM
fbem-18298	176	10	-	-	SYM
fbem-18298	176	11	63	63	NUM
fbem-18298	176	12	.	.	PUNCT