刚刚 金融监管总局印发 《关于推动健康保险 高质量发展的指导意见》 ① 打通卡点堵点 推动健康保险高质量发展 ②深化健康险改革 增强可持续发展能力 ③加强健康保险监管 优化健康保险发展环境 1 健康保障需求日益提升 打通卡点堵点 推动健康保险高质量发展 1. 健康保障需求日益提升，健康保险重要性不断增强 当前，在老龄化的背景下，人们的预期寿命不断延长。 近期，发改委主任郑栅洁在国新办新闻发布会上表示，我国人均预期寿命达到7 9岁，每 5年增长1岁。 与此同时，随着医疗新技术等的发展，加之，医保"保基本"的定位，大众对于商业医疗 险等健康险产品，需求旺盛。 尤 其 是 ，对 医 保商 保 快 速 结 算、覆 盖更多 的 医 保外 用 药 、 带 病 人 群 的 医 疗 险 产 品 需 求 等。 因此，如何提升健康保险服务和保障水平，就成为行业下一阶段发展的重点。 这一点，在保险业"新国十条"中也明确要求"提升健康保险服务保障水平" "支持浮动收 益型保险发展" . . . 2. 打通卡点堵点，推动健康保险高质量发展 自 2 0 1 4 年 以 来 ， 商 业 健 康 险 快 速 发 展 ， 2 0 2 4 年 ...

寿险公司 分红险发展差异化 背后有多重因素需要考虑 ①早布局 分红险保费快速增长 ② 头部险企发力 分红险新单高速增长 业务结构的调整仍需时间 ③靠银保、靠趸交、靠性价比 发力分红与否，险企有自己的考虑 1 寿险公司 分红险发展差异化 背后有多重因素需要考虑 中宏、大都会等 | SUUTE | 十九八月 | 193.04 | | 0-1-70 | | / U 70 | | | --- | --- | --- | --- | --- | --- | --- | --- | | 300亿 | 招商信诺 | 184.31 | 76.88 | 43% | 49% | 89% | | | 300亿 | 工银安盛 3 | 53.41 | 36.09 | 12% | 17% | -8% | -21% | | 自に | 中美联泰 | 151.88 | | 58% | | 87% | | | 百亿 | 汇丰人寿 | 80.06 | | 61% | | 94% | | | 3百亿 | 中信保诚 3 | 44.81 | 24.23 3 13% | | 21% | 22% | 54% | | 自に | 中银三星 | 42.62117 ...

声明：本系列文章基于原期刊目录和摘要内容整理而得，仅限于读者交流学习。如有侵权，请联系 删除。 本文基于以下论文整理而得： US Life Insurance Industry Statistics 2025: Market Size, Ownership, and Demographics 网址链接： https://coinlaw.io/us-life-insurance-industry-statistics/ 【本期看点】 ●58%的美国人表示至少拥有一份人寿保险，这表明寿险的全国覆盖率保持稳定。 ●2025年，美国仍有约1.08亿成年人未参保或人寿保险保障不足。 ●截至2025年，美国已参保的Z世代（1995-2010年出生）成年人中，62%持有终身寿险，比例居各 代际之首。 ●44%的已参保成年人认为其人寿保险保障不足以满足未来需求。 ●52%的美国人预计去世后将为亲人留下1万至3万美元以上的未偿债务。 2025年美国寿险行业统计概述 导言 在美国人寿保险行业不断发展的背景下，数百万美国人依靠人寿保险来保障家庭的财务未来。随着 消费者偏好、技术发展和经济因素的变化给行业带来深刻变革，理解最新统计数 ...

Core Viewpoint - The establishment of the "Bai Nian Qi Cheng Family Office" by Bai Nian Life Insurance marks a significant step in the company's strategic layout in the high-net-worth service sector, aiming for value transformation and high-quality development [1][4]. Group 1: Strategic Significance and Vision - The "Bai Nian Qi Cheng" family office is designed to address the challenges of wealth security, preservation, and inheritance in the current uncertain macroeconomic environment [2]. - The family office aims to provide a comprehensive service covering the entire wealth lifecycle, including wealth creation, preservation, inheritance, and enjoyment, thus supporting clients in achieving a sustainable family legacy [4][11]. Group 2: Collaboration with Shanghai Trust - Bai Nian Life Insurance has entered into a comprehensive cooperation with Shanghai International Trust, focusing on resource sharing and value co-creation, integrating insurance safety with trust flexibility [5][7]. - The partnership aims to create a top-tier family office ecosystem, leveraging both companies' strengths to enhance client services and ensure long-term strategic collaboration [11]. Group 3: Service Model and Offerings - The family office will utilize a "1+3+N" service model, where one family office consultant coordinates three core service officers to provide customized, diversified, and global resources for high-net-worth clients [2]. - The goal is to offer a "one-stop, long-term, and warm" wealth inheritance solution, helping clients navigate future uncertainties and achieve wealth security, preservation, appreciation, and orderly transfer [2][4]. Group 4: Future Outlook - The collaboration is expected to introduce global top-tier resources in law, investment banking, asset management, charity, education, and healthcare, establishing a benchmark for family offices in China [5][11]. - Both companies are committed to creating a client-centered value proposition and exploring growth paths through digital empowerment, aiming for innovative solutions that meet future challenges [7][11].

Core Viewpoint - The article highlights the launch of the 2026 campus recruitment by China Insurance, emphasizing the company's commitment to innovation and the opportunity for graduates to contribute to the insurance sector while pursuing their careers [3][4]. Company Overview - China Insurance, established in 1986, began with agricultural insurance and has evolved into a significant player in the insurance market. The company is now positioned for higher development following its ownership transfer to Central Huijin in 2025 [4]. - As the only state-owned insurance company with the "China" name, it boasts a registered capital of 14.64 billion yuan and a comprehensive solvency adequacy ratio of 227.2% as of December 2024. The company reported annual premium income of 68.15 billion yuan, ranking fifth in the property insurance market [5]. Recruitment Details - The recruitment is aimed at graduates from domestic and international institutions for various roles, including management training, technology, marketing, and claims [9]. - The company offers a comprehensive training system and growth platform, ensuring that employees have clear career development paths and competitive compensation packages, including basic, performance, and reward salaries [11]. Employee Benefits - Employees are provided with high-competitive salaries and benefits, including five insurances and one fund, supplementary commercial insurance, paid annual leave, and regular health check-ups [11]. Application Process - The recruitment process includes resume submission, written tests, and interviews, with specific timelines for offer issuance and campus visits outlined [13][14]. Targeted Fields of Study - The company welcomes graduates from various fields, including actuarial science, finance, mathematics, public health, and engineering, indicating a broad scope for potential candidates [10].

Regulatory Dynamics - Nine departments encourage Chinese export credit insurance companies and other insurance institutions to increase support for service exports [8][9] - The central bank maintains the 1-year and 5-year LPR unchanged at 3.0% and 3.5% respectively [10] - The Ministry of Human Resources and Social Security reports that the basic pension insurance fund has achieved positive returns for eight consecutive years, with an average investment return rate of 5.15% [11] - The number of people covered by basic pension insurance in China reaches 1.072 billion, increasing by over 7.3 million since the end of the 13th Five-Year Plan [12] - Over 20 million new employment form workers are covered by occupational injury insurance [13] - The National Medical Insurance Bureau has included 42 rare diseases in the national medical insurance catalog [14] - The National Medical Insurance Bureau releases a long-term care insurance service catalog consisting of 20 life care and 16 medical care items [15] - The Financial Regulatory Administration holds a seminar with ASEAN and China-Japan-Korea financial regulatory agencies [16] - Financial Regulatory Administration head Li Yunzhe meets with Ray Dalio, founder of Bridgewater Associates [17] - The total assets of the banking and insurance industries exceed 500 trillion, with an average growth of nearly 9% over the past five years [18] Company Dynamics - China Ping An increases its stake in Agricultural Bank of China by 115 million HKD [29] - Sunshine Life increases its stake in China Ruyi by 113 million HKD [30] - Great Wall Life raises its stake in New Tian Green Energy to 5.00%, triggering a disclosure requirement [31] - Great Wall Life increases its stake in Qin Port shares by 1 million shares [32] - Ping An Life acquires a stake in Jingchang Logistics [33] - Ping An Overseas issues a 300 million USD 10-year senior unsecured bond with a coupon rate of 5% [34] - Fosun United receives approval for capital increase, with the International Finance Corporation and Asian Development Bank as new shareholders [35] - Ruizhong Life reduces its stake in Qinsong shares by over 9.55 million shares [36] - China Reinsurance receives approval for issuing capital supplement bonds [37] - Bank of China Samsung is approved to issue perpetual capital bonds [38] - China Life establishes a health management company in Nanjing [39] - Sunshine Insurance unveils Sunshine Hengyi Private Fund Management Co., Ltd. [41] - Bank of China Samsung establishes an equity investment partnership in Tianjin with a contribution of 1.1 billion [42] - Tianmao Group's cash option for delisting is executed, involving over 2.3 billion [43] - Huanghe Property Insurance's 125 million shares are up for auction with a starting price of 115 million [44] Industry Dynamics - Social insurance capital's A-share holdings exceed 2 trillion, reaching a historical high [55] - JPMorgan Chase invests approximately 135 billion HKD in China Pacific Insurance H-shares [56] - Mainland insurance companies attract record inflows in Hong Kong stocks [57] - Insurance capital's real estate investment scale significantly increases in the first half of 2025 [58] - The second batch of Sci-Tech Bond ETFs sees substantial institutional investment [59] - Goldman Sachs reports a surge of hedge funds into banking, insurance, and consumer finance sectors [60] - The first commercial insurance innovation drug catalog completes expert review, with five high-cost CAR-T drugs approved [61] - AI applications in the insurance industry are accelerating, with significant productivity potential [62][63] - The health insurance structure is changing, with medical insurance growth surpassing critical illness insurance [65]

近日，平安在成都举办了一场热闹、欢乐而美好的活动，回馈广大车主客户。在"平安 车险三省名片发布暨车主客户嘉年华"上，知名演员、中国平安品牌挚友岳云鹏，脱口 秀演员庞博、唐香玉妙语连珠，奉上了一场又一场精彩的表演。现场超400位平安车险 客户的笑声一浪接一浪。 活动上，平安还向所有车主正式宣布 焕新 升 级" 车 险三 省 名 片 "， 重 磅推 出 " 三 免 全 包 办" "服务快好省"服务举措 ，构建全场景、全流程的客户服务体系，打造省心、省时、 又省钱的服务体验，守护车主出行每一程。这一刻，人们对美好生活向往被定格，一家 企业对客户需求响应也被共同见证。 在半年报致辞中，平安集团董事长马明哲如此定义2025年，"今年是平安战略推进最深 入、服务升级力度最大的一年。"平安车险三省名片焕新升级成为一个生动注脚：坚持 以客户为中心，聆听客户的心声，不断拓宽服务边界，不断提升服务体验，始终保持对 超预期用户体验的无限追求，树起一个又一个行业服务新标杆。 体验无止境： 超预期理赔体验的极致追求 在保险产品的全链路中，理赔是用户最在意的服务环节。而车险理赔是一个标准化程度 相对较高的细分领域。特别在数字化转型的背景 ...

"13精"数据库第395周更新公告 13精资讯-增加2025年8月万能险结算利率2065条 13精资讯-增加2025年2季度保险公司增资情况数据 13精资讯-增加2024年各国保费、保险深度、人均保费 13精资讯-增加最近一周保险公司被处罚数据 13精资讯-增加最近一周保险公司投连险净值数据 13 精利用最新录得数据做的研究报告之395期： 财险行业最新固定成本率大约是9.0%（不含理赔人员薪酬），已经实现五连降！ ！ 先说结论： 1、 财险行业的固定成本率究竟有多高？ 财务管理理论认为，企业的固定成本是刚性的的，随着销售收入的增加，固定成本率逐步降低，单位固定成本支撑的收入逐步提高，这被 称为经营杠杆。任何一个行业都会享受经营杠杆带来的好处，这不是保险行业独特的盈利模式。 微观经济学理论认为，一个企业能以低于更多企业的成本为整个市场供给一种物品或者服务时，这个行业就存在自然垄断（曼昆，经济学原理，微观经 济学分册第八版，305页）。 那么问题来了，我们如何判断大公司和中小公司的成本差异？ 变动成本？（包含市场成本和赔付成本） 固定成本？ 本文利用新保险合同准则下的信息披露，结合市场调查的结果，试图将各个类别 ...

Core Viewpoint - The insurance industry is experiencing a significant recovery in new business value, with a year-on-year increase of 31.3% in the first half of 2025, driven by both volume and price growth across various companies [1][16][18]. Summary by Sections New Business Value - In the first half of 2025, all listed life insurance companies, except for CITIC Prudential, achieved double-digit growth in new business value, with the overall industry growth rate reaching 31.3% [1][16]. - The new business value for major companies includes China Life at 28.5 billion yuan (20.3% increase), Ping An Life at 22.3 billion yuan (39.8% increase), and others showing significant growth rates [18]. New Business Value Rate - The new business value rate for most listed life insurance companies increased significantly, with an overall rise of 6.7 percentage points in the first half of 2025 [3][22]. - Notable increases in new business value rates include Ping An Life at 26.1% (up 8.8 percentage points) and China Life at 32.4% (up 9.2 percentage points) [22][24]. New Policy Premiums - The overall new policy premium for listed life insurance companies reached 522.7 billion yuan, reflecting a year-on-year growth of 7.8% [28]. - However, there was a notable decline in new policy premiums from the agent channel, which dropped by 13.8%, while the bank insurance channel saw a substantial increase of 61.1% [31][39]. Market Dynamics - The insurance sector is transitioning from a "volume and price decline" phase (2018-2022) to a "volume and price increase" phase in 2025, indicating a healthier growth trajectory [48][51]. - The shift in market dynamics is attributed to the effectiveness of the "reporting and operation integration" policy and the adjustment of premium rates, which have improved the new business value rates significantly [40][41]. Agent Channel and Bank Insurance Channel - The agent channel is facing challenges with a decline in the number of agents and average productivity, while the bank insurance channel is experiencing robust growth, indicating a shift in sales strategy [42][39]. - The average productivity of agents decreased by 11.3%, highlighting the ongoing transformation within the agent channel [46]. Conclusion - The insurance industry is showing resilience and adaptability, with a clear trend towards high-quality development characterized by simultaneous growth in new business value and premiums, driven by strategic channel shifts and improved operational efficiencies [51][52].

Core Viewpoint - The article discusses the growth of participating insurance premiums in the first half of 2025, highlighting a shift towards these products amid changing market conditions and sales strategies. Group 1: Participating Insurance Premium Growth - In 2025, participating insurance premiums achieved positive growth for the first time in five years, with a growth rate of approximately 4% by the end of 2024 [3] - By mid-2025, the total participating insurance premiums reached around 500 billion, showing a year-on-year growth of about 1%, which is a slowdown compared to the previous year [3] - The slowdown in premium growth is attributed to a shift in sales focus from participating insurance to traditional insurance products through bank insurance channels [3][14] Group 2: Company Performance - Major companies like Ping An, Taiping, and Xinhua reported participating insurance premium growth rates exceeding 20% in the first half of 2025 [5] - Taiping Life's participating insurance premiums doubled, marking the fastest growth among peers, while Ping An's growth rate reached 41% compared to the same period in 2024 [6] - New single premium growth for participating insurance saw significant increases, with Xinhua's first-year premiums reaching 4.6 billion, reflecting a high-speed growth [9] Group 3: Distribution Channels - The individual agent channel has become a significant driver for participating insurance, with companies like China Life and Taiping reporting that over 50% of their new single premiums come from participating insurance [12] - The growth rate of participating insurance in the individual agent channel is notably higher than in the bank insurance channel, which has shifted focus to traditional insurance products [14] - In the second quarter of 2025, participating insurance premiums experienced a growth rate of approximately 90%, significantly outpacing traditional insurance's growth rate of around 20% [14] Group 4: Market Conditions and Future Outlook - The adjustment of preset interest rates for traditional and participating insurance has narrowed the gap, potentially accelerating the industry's shift towards participating insurance products [19] - The overall dividend realization rate for participating insurance products improved to 61.7% in 2024, up by 10.9 percentage points year-on-year, indicating a favorable environment for continued growth [19] - The article suggests that the combination of reduced interest rate disadvantages and improved dividend realization rates may support the ongoing development of participating insurance in the future [19]