600万人流失之后，保险业开启营销队伍扁平化尝试

Core Insights - The insurance industry is undergoing a transformation towards a flattened marketing structure in response to a significant loss of agents, with the number of agents dropping from 9.73 million to over 2.6 million [4][16] - The traditional pyramid structure of agent distribution has led to income concentration at the top, resulting in low retention rates for bottom-tier agents, prompting regulatory changes to encourage a shift towards independent agents [4][9] Group 1: Industry Trends - The independent agent model is being piloted by over 10 insurance companies, with Dajia Life leading the way by establishing 53 exclusive agent stores across 12 provinces [6][17] - Dajia Life's individual insurance channel achieved a new single premium of 1.665 billion yuan in 2024, with a compound growth rate of 85% over five years, significantly outperforming the industry average of 7% [9][16] - The independent agent model allows for a more transparent income distribution, linking agent earnings directly to their performance, which enhances efficiency and professional recognition [9][10] Group 2: Company Initiatives - Dajia Life's independent agent stores have improved client trust and operational efficiency, with agents reporting significant tax savings and increased client engagement [7][9] - The company has seen a 42% year-on-year increase in monthly productivity per independent agent, with average monthly income rising by 37% [9][10] - The flattened structure reduces organizational costs, allowing more funds to be allocated to agent commissions, thereby enhancing their professional identity and motivation [9][10] Group 3: Challenges and Considerations - Despite the benefits, transitioning to a flattened structure poses challenges for larger, established companies due to existing team dynamics and regulatory frameworks [17][18] - The industry faces pressures from market volatility and declining interest rates, necessitating a reevaluation of commission structures and long-term incentive models [16][17] - There is a need for high-quality talent to support the transition, emphasizing the importance of training and development to avoid short-term profit-seeking behaviors [18]