格隆汇1月14日｜A股市场保险股午后跳水，其中，中国人保跌3%，中国人寿跌超2%，中国太保跌超 1%。 ...

二、中国人寿财产保险股份有限公司应按照有关规定及时办理变更及许可证换领事宜。 2026年1月12日，国家金融监督管理总局浙江监管局发布批复称，《关于变更中国人寿（601628）财产 保险股份有限公司杭州市富阳区支公司营业场所的请示》（国寿财险浙发〔2025〕173号）及相关说明 解释材料收悉。经审核，现批复如下： 一、同意中国人寿财产保险股份有限公司杭州市富阳区支公司营业场所变更为：浙江省杭州市富阳区鹿 山街道富恒街89号富冶大厦1号701室、702室、706室。 ...

Core Insights - The article highlights the importance of addressing "sleeping policies" in the insurance industry, showcasing how forgotten insurance policies can significantly impact families in need [1][6]. Group 1: Sleeping Policies - "Sleeping policies" refer to insurance policies that remain inactive due to changes in customer information, forgetfulness, or the policyholder's death, which can still provide financial support to families [1][3]. - China Life Insurance Company has initiated a nationwide campaign to identify and activate these sleeping policies, utilizing technology and personal outreach to reconnect with policyholders [1][6]. Group 2: Customer Outreach Efforts - The company employs various methods to reach out to customers, including community visits, financial service points, and digital notifications through SMS and apps, ensuring that customers are aware of their rights and can easily access their policies [3][6]. - Staff members actively visit communities to locate policyholders, even with minimal information, demonstrating a commitment to ensuring that every policyholder receives their entitled benefits [2][3]. Group 3: Overcoming Challenges - The company faces challenges such as increased skepticism among customers regarding potential scams, which has led to some individuals dismissing outreach efforts [4][5]. - To combat this, the company emphasizes transparency and professionalism, providing clear explanations and assistance to build trust with customers [4][5]. Group 4: Long-term Solutions - China Life Insurance Company is establishing a long-term mechanism to prevent the formation of sleeping policies by encouraging customers to regularly update their contact information during routine transactions [5][6]. - The company is enhancing its notification systems to ensure timely reminders about policy statuses, thereby reducing the risk of customers losing track of their policies [6].

Core Viewpoint - The "Art Returns to the Mountains" public welfare project initiated by China Life Insurance aims to bridge the gap in aesthetic education between urban and rural areas, providing quality art education resources to rural children [1][2]. Group 1: Project Overview - The "Art Returns to the Mountains" project was launched in 2020, focusing on delivering quality aesthetic education resources to rural areas through offline art experiences, art courses, and donations of art supplies [1]. - As of now, the project has reached 188 schools across 159 cities in China, benefiting 45,000 students [1]. Group 2: Educational Activities - The project includes various themed art classes, such as "Space Technology" and "My Hometown," where children engage in creative activities that enhance their understanding of traditional culture and personal expression [2]. - China Life Insurance collaborates with art institutions and renowned teachers to bring quality courses to rural classrooms, ensuring children have access to professional art education [2]. Group 3: Resource Provision - The company has prepared customized art toolkits for rural schools, which include painting supplies and educational materials, alongside donations of children's books and sports equipment [2][3]. - Over the years, the project has consistently provided high-quality aesthetic education resources and support to rural children in various provinces, including Gansu, Hunan, Shandong, and Jiangxi [3]. Group 4: Community Engagement - Volunteers from China Life Insurance actively participate in delivering art toolkits and organizing outdoor activities, fostering a supportive environment for children [3]. - The project has become a long-term partner in rural aesthetic education, with annual expectations from children for the art classes and resources provided [3].

责任编辑：王馨茹 | 序 | 当事人名 | 主要违法违规行为 | 行政处罚内容 | 作出决定机关 | | --- | --- | --- | --- | --- | | 를 | 称 | | 对中国人寿保 | | | | 中国人寿 | | 险股份有限公 司佛山分公司 | | | | 保险股份 | | 罚款10万元。 | | | 1 | 有限公司 | 为客户提供合同约定之外利益 | 对陈月献给予 | 佛山金融监管 | | | 佛山分公 | | 警告,并处2 | 分局 | | | 司及相关 | | 万元罚款;对 | | | | 责任人员 | | 莫凡给予警 | | | | | | 告,并处1万 | | | | | | 元罚款。 | | 责任编辑：王馨茹 1月14日金融一线消息，据佛山金融监管分局行政处罚信息公开表显示，中国人寿保险股份有限公司佛 山分公司因为客户提供合同约定之外利益，被罚款10万元。相关责任人员陈月献被给予警告，并处2万 元罚款；莫凡被给予警告，并处1万元罚款。 | 序 | 当事人名 | 十要违法违规行为 | 行政处罚内容 | 作出决定机关 | | --- | --- | --- | --- | - ...

Core Viewpoint - The insurance industry is undergoing a significant transformation characterized by the continuous withdrawal of branch offices, reflecting a shift from extensive expansion to a focus on value and efficiency [5][6]. Group 1: Branch Withdrawals - In early 2026, multiple insurance companies, including China Life and Sunshine Insurance, have received approval to withdraw branch offices, continuing a trend observed in recent years [1]. - Over the past six years, more than 13,000 branch offices have been closed, with the number of withdrawals increasing from 971 in 2020 to over 3,100 in 2025, marking a new high [2]. - The majority of the withdrawn branches are located in third and fourth-tier cities, with over 70% of the closures in 2025 being marketing service departments [2][3]. Group 2: Factors Driving Closures - The closures are driven by three main factors: regulatory policies, changing market conditions, and technological advancements [4]. - Regulatory bodies have pushed for the elimination of "empty" and "inefficient" branches, particularly following the implementation of the "reporting and operation integration" policy [4]. - The competitive insurance market and rising operational costs have made it essential for companies to optimize branch structures and eliminate low-efficiency outlets [4]. Group 3: Industry Transformation - The ongoing withdrawal of branch offices is seen as a necessary process for the industry to abandon extensive expansion and reconstruct channel value [5]. - The industry is at a critical juncture, focusing on high-quality transformation while addressing challenges such as customer service continuity and talent retention [7]. - Companies are shifting from a traditional sales model to a service-oriented approach, integrating insurance products with health management and other value-added services to enhance customer loyalty [8]. Group 4: Future Outlook - The future of insurance branch offices will not be a complete replacement by online channels but rather a transformation of their functions to enhance customer experience and provide specialized services [8]. - The new channel structure will consist of comprehensive service points in major cities, grid-based service units in lower-tier markets, and a blend of online and offline services [8].

Group 1 - The insurance sector continues to decline, with China Pacific Insurance and China Life Insurance both dropping over 2%, while New China Life Insurance fell by more than 1% [1]

Group 1 - The insurance sector is experiencing a downward trend, with major companies such as China Life Insurance and China Pacific Insurance seeing declines of over 2% [1] - New China Life Insurance has also reported a decrease, falling by more than 1% [1]

Core Insights - The insurance industry is showcasing its claims service reports for 2025, highlighting the effectiveness of service and the current gaps in critical illness coverage for consumers [2] Claims Efficiency and Timeliness - China Life Insurance Company reported over 62.24 million claims in 2025, a 7% increase year-on-year, with total claims amounting to over 100.4 billion yuan, up 10% [3] - Other insurers also reported significant claims, with Ping An Life processing 4.958 million claims totaling 41.51 billion yuan, and Xinhua Insurance handling 5.01 million claims amounting to 14.7 billion yuan [3] - The digital transformation in the insurance sector has significantly improved claims efficiency, with China Life's "Digital Guo Life" strategy enabling 8.17 million direct claims payments totaling over 4.3 billion yuan [4] Medical Insurance Claims Dominance - Medical insurance claims are increasingly dominating the claims structure, with Ping An Life reporting that 92% of claims were for medical insurance, while critical illness insurance accounted for only 5% [5] - Despite the high volume of claims, there remains a significant gap in critical illness coverage, with 80% of claims being under 100,000 yuan, indicating insufficient coverage for actual treatment costs [5] Market Dynamics and Recommendations - The rapid growth of medical insurance, due to its affordability and high leverage, is causing a diversion from the critical illness insurance market, which may slow down growth and lead to customer segmentation [6] - Experts suggest that consumers should utilize medical insurance to cover high medical expenses while relying on critical illness insurance for income loss compensation, emphasizing the complementary nature of both products [6]

Core Insights - The insurance industry is revealing its 2025 claims service annual reports, highlighting the effectiveness of service and the current structure of insurance products, indicating a significant gap in critical illness coverage for consumers [1] Claims Efficiency and Timeliness - China Life Insurance Company reported over 62.24 million claims in 2025, a 7% increase year-on-year, with total claims amounting to over 100.4 billion yuan, up 10% [2] - Other insurers also reported substantial claims, with Ping An Life at 4.958 million claims totaling 41.51 billion yuan, and Xinhua Insurance at 5.01 million claims totaling 14.7 billion yuan [2] Notable Claims Stories - A case from Ping An Life illustrates the proactive service approach, where a client initially claimed 5,000 yuan but ultimately received over 5.51 million yuan due to the insurer's initiative in identifying additional coverage [3] - The digital transformation in the insurance sector has significantly improved claims processing efficiency, with China Life's "Digital Guo Life" strategy facilitating 8.17 million direct claims payments totaling over 4.3 billion yuan [3] Medical Insurance Claims Analysis - Medical insurance claims are increasingly dominating the claims structure, with Ping An Life reporting that 92% of claims were for medical insurance, while critical illness claims accounted for only 5% [4] - Despite the high volume of claims, there remains a notable gap in critical illness coverage, with 80% of claims being under 100,000 yuan, indicating insufficient coverage for actual treatment costs [4] Market Dynamics and Recommendations - The rapid growth of medical insurance, due to its affordability and high leverage, is causing a diversion from the critical illness insurance market, particularly affecting budget-conscious consumers [5] - Experts suggest that consumers should utilize medical insurance for high medical expenses while relying on critical illness insurance for income loss compensation, emphasizing the complementary nature of both products [5]