北大方正人寿锚定2025年新征程：立足价值导向，锻造差异化优势

Core Insights - 2025 marks a significant year for the insurance industry as it is the first complete year for implementing the new "National Ten Articles" requirements, and it is a critical turning point for Beida Fortune Life Insurance in its three-year strategic plan [1] - The company is focusing on high-quality development through strategic decoding, technological breakthroughs, and talent empowerment to navigate the challenges posed by macroeconomic adjustments and industry transformations [2] Group 1: Strategic Planning and Performance - Beida Fortune Life Insurance has established a "three-step" strategy focusing on value reconstruction, stable profitability, and becoming an industry benchmark, achieving a 31% increase in new business value (NBEV) during a period of industry adjustment [2] - The company reported a 29.5% year-on-year growth in renewal premiums and a 4.3 percentage point increase in the 13-month continuation rate, with its risk comprehensive rating improving from Class C to Class B [2] Group 2: Workforce Development - The company emphasizes building a high-quality, high-capacity, and high-standard workforce, aiming to create a competitive team through a professional system that integrates image, skills, and resources [3] - Beida Fortune Life Insurance plans to implement a closed-loop talent supply chain and a performance-oriented resource allocation model to foster a competitive environment [3] Group 3: Technological Innovation - The company is accelerating its digital transformation by integrating AI and big data into product design, underwriting, claims, and customer service, enhancing business efficiency and service quality [4] - The launch of the AI-powered business assistant "Fangling" and the internal office assistant demonstrates the company's commitment to leveraging technology for operational improvements [4] Group 4: Elderly Care Ecosystem - With the aging population in China, Beida Fortune Life Insurance is focusing on an "insurance + elderly care" strategy, aiming to create a dual-driven ecosystem of core products and services to meet diverse customer needs [6] - The company has introduced various insurance products tailored for the elderly, including the "Fuduo" pension insurance and "Aiwuyou" disease insurance, addressing comprehensive life cycle protection [6][7] Group 5: Service Integration - The company is enhancing its elderly care service system by integrating healthcare services, thereby creating a closed-loop service ecosystem that addresses the entire care process from diagnosis to management [7] - Beida Fortune Life Insurance's approach serves as a model for small and medium-sized insurance companies, emphasizing value-driven strategies and innovative solutions to overcome industry challenges [7]