13个精算师·2025-06-30 15:46Core Viewpoint - The article discusses the changes in dividend insurance premiums among 71 life insurance companies over the past decade (2013-2023), highlighting the growth of certain companies and the overall industry trend towards dividend insurance products. Group 1: Dividend Insurance Premiums Overview - In the past decade, the top companies in dividend insurance premiums include Taikang Life with over 100 billion, China Life, Ping An, and Taibao with over 50 billion each [1][16]. - Taikang Life has consistently focused on dividend insurance, achieving a compound annual growth rate (CAGR) of over 8% in this segment [20][21]. - AIA's dividend insurance premiums reached 13.1 billion, with companies like Zhonghong and MetLife also experiencing rapid growth [29][30]. Group 2: Market Dynamics and Company Performance - The "old six" companies have a solid foundation for developing dividend insurance, with Taikang leading in premium scale [16][20]. - In 2024, companies like Ping An and Xinhua are expected to ramp up their efforts in dividend insurance, with new policies showing rapid growth [38][27]. - The overall industry dividend insurance premium is projected to exceed 50% of the market share again, reflecting a shift back towards these products [45][46]. Group 3: Growth Rates and Future Prospects - The article notes that the dividend insurance market has seen a decline in the past but is now experiencing a resurgence, with new products entering the market and achieving significant sales [38][42]. - Companies such as Zhongyou and Zhongyi are expected to make significant contributions in 2024, with new products already showing strong sales [40][43]. - The industry anticipates that the business share of dividend insurance will surpass 50% in the near future, driven by changing consumer preferences and market dynamics [45][49].