保险中介人数5年缩水超70%

Core Insights - The report indicates a significant reduction in the number of insurance agents in China, with a decline from 9.12 million in 2019 to 2.64 million by the end of 2024, reflecting a decrease of over 70% [2][6] - Despite the reduction in the number of agents, insurance depth and density have improved, with insurance depth rising from 4.07% in 2023 to 4.2% in 2024, and insurance density increasing from 3,635 yuan to 4,046 yuan in the same period [7][9] - The industry is facing challenges in agent performance and morale, with a notable drop in high-performing agents and increased pressure on income and business metrics [9][11] Group 1: Agent Workforce Changes - The number of insurance marketing agents in China has decreased to 2.64 million by the end of 2024, showing a stabilization compared to 2.81 million at the end of 2023 [2][6] - The educational level of insurance agents is improving, with 72.34% holding a college degree or higher, an increase of 5.5 percentage points from 2024 [6] - The age distribution of agents is shifting, with the 25-34 age group increasing to 15.4%, while the 45-54 age group has decreased by 3.3 percentage points to 32.2% [6][9] Group 2: Performance and Market Dynamics - Overall agent performance has declined, with 36.2% of agents completing fewer than 12 policies annually, an increase of 4 percentage points [9] - The geographical distribution of agents is changing, with 59% of agents located in municipalities or provincial capitals, up 13.4 percentage points from 2024, intensifying competition in urban markets [9] - The individual insurance channel is under pressure, with a slowdown in premium growth and a decrease in the number of agents due to regulatory changes [11]