大家人寿银保个险同频发力激活发展动能

Core Viewpoint - The company has demonstrated strong growth and strategic synergy in its business operations, with significant improvements in both bancassurance and individual insurance channels, leading to a new business value of 3.84 billion yuan in the first half of the year [1][3]. Group 1: Bancassurance Channel Performance - In the first half of the year, the bancassurance channel achieved a new single premium income of 32.8 billion yuan, ranking second in the market [2]. - The premium income from regular premiums was 15.8 billion yuan, while the single premium income was 17 billion yuan, indicating strong capability accumulation and high management standards [2]. - The number of cooperative banks increased from 26 to 54, with over 90,000 bank outlets currently in operation, showcasing a significant expansion in business [2]. Group 2: Individual Insurance Channel Performance - The individual insurance channel saw a new single regular premium income of 1.6 billion yuan, a year-on-year increase of 26% [2]. - The average monthly productivity per agent reached 154,000 yuan, up 27% year-on-year, with retention rates of 96.6% for 13 months and 97.9% for 25 months, both exceeding industry averages [2]. - The rapid growth in the individual insurance channel is attributed to the deepening of the independent agent model, which has achieved a compound annual growth rate of 85% in new single regular premium income over five years, significantly higher than the industry average [2]. Group 3: Management and Cost Control - Since 2019, the company has established a new business value management system centered on eight driving factors, leading to continuous growth in new business value [3]. - The new single liability comprehensive cost rate has decreased by 53% compared to 2019, reflecting effective cost control measures [3]. - The company has implemented various initiatives to optimize product structure and control expenses, resulting in a significant reduction in liability costs over the past five years [3]. Group 4: Ecological Empowerment and Pension Services - In the first half of the year, the new single premium for pension products reached 18.9 billion yuan, a year-on-year increase of 79%, indicating significant empowerment effects [3]. - The company leverages high-quality pension services under the "City Heart Medical Care," "Travel Therapy," and "Home Care" brands to meet clients' diverse pension needs [3]. - As of now, the total pension funds reserved by clients with the company have reached 290 billion yuan [3].