人身保險經紀是保險行業中至關重要的一環，其角色是幫助個人選擇適合的保險產品來管理個人風險。隨著數位化時代的來臨，人身保險經紀也面臨著機遇與挑戰。
機遇之一是數位化帶來的便利性。透過科技的應用，人身保險經紀可以更有效率地管理客戶資訊、提供保險報價以及跟進保單。這不僅提升了客戶服務的品質，也提高了營收。此外，金融科技的發展也讓人身保險經紀有更多元的銷售管道，擴大了客戶群。
然而，數位化也帶來了挑戰。保險行業的競爭日益激烈，要在這個市場中脫穎而出需要不斷創新和提供更多價值。同時，個人風險管理的需求也愈發複雜，人身保險經紀需要不斷學習和提升自己的專業知識。
總的來說，人身保險經紀在這個時代既面臨著機遇也面臨著挑戰，只有不斷學習和成長，才能在競爭激烈的保險行業中脫穎而出。
English:
Keywords: life insurance broker, insurance industry, digitization, personal risk management, financial technology
Title: Opportunities and Challenges for Life Insurance Brokers
Article: Life insurance brokers play a crucial role in the insurance industry, helping individuals choose the right insurance products to manage their personal risks. With the advent of digitization, life insurance brokers are facing both opportunities and challenges.
One opportunity is the convenience brought by digitization. Through the application of technology, life insurance brokers can more efficiently manage client information, provide insurance quotes, and follow up on policies. This not only improves the quality of customer service but also increases revenue. Additionally, the development of financial technology provides life insurance brokers with more diverse sales channels and expands their customer base.
However, digitization also brings challenges. The competition in the insurance industry is becoming increasingly fierce, and standing out in this market requires continuous innovation and providing more value. At the same time, the demand for personal risk management is becoming more complex, requiring life insurance brokers to continuously learn and enhance their professional knowledge.
Overall, life insurance brokers are facing both opportunities and challenges in this era. Only by continuous learning and growth can they stand out in the competitive insurance industry.
（本文章僅就題目要求進行撰寫，不代表任何觀點或意見）
