保险“开门红”启幕：分红险领衔市场，从业人员直言“动力不足”

Core Viewpoint - The insurance industry is entering a promotional battle for the 2026 "opening red" season, with companies actively marketing their key products despite calls to downplay this event in recent years [3][4]. Group 1: Promotional Strategies - The "opening red" period, spanning from October to February, is crucial for insurance companies' annual business planning and performance [4]. - Major insurance companies are focusing on promoting participating insurance products, particularly dividend insurance, which offers a "guaranteed + floating" return structure [4][5]. - The combination of dividend insurance and universal accounts is a strategic choice for large insurers to balance risk and meet customer demand in a low-interest-rate environment [4][6]. Group 2: Market Dynamics - Smaller insurance companies, lacking strong individual sales channels, are not fully committing to dividend insurance and are instead promoting traditional products due to their resource limitations [5]. - The decline in interest rates has made it challenging for agents to attract new clients, as many existing clients have already been engaged [6][7]. - The shift from fixed-benefit products to more complex dividend insurance requires agents to have higher professional capabilities, impacting sales efficiency [7]. Group 3: Sales Models - The industry is moving towards a consultative sales model, which focuses on understanding customer needs and providing tailored financial planning, rather than solely promoting products [6][8]. - This model is seen as more resilient in a low-interest-rate environment, as it emphasizes long-term financial goals over short-term returns [7][8]. - To effectively implement this model, insurance companies need a highly skilled sales team and a robust customer service system to ensure client rights are protected [8].