手回集团上半年总保费同比增长26%，分红险产品收入同比提升超100%

Core Viewpoint - The article discusses the first interim financial report of Shouhui Group, highlighting its performance amidst challenges in the life insurance market and outlining future growth strategies [1][2]. Financial Performance - In the first half of the year, Shouhui Group reported revenue of 555 million yuan, with a gross margin of 35.5% and an adjusted net profit of 66 million yuan [2]. - The total premium income grew by 25.7% year-on-year to 4.9 billion yuan, despite a declining interest rate environment and fluctuating consumer demand [2]. - The first-year premium for participating insurance products reached 241 million yuan, a significant increase of 147.7%, indicating strong market insight and preparation [2]. - Customized products accounted for 799 million yuan in first-year premiums, representing over 51% of total first-year premiums, enhancing customer loyalty and repurchase rates [2]. Product and Market Strategy - The long-term critical illness insurance first-year premium reached approximately 227 million yuan, with a year-on-year growth of 30.7%, contributing to a 24% increase in revenue [3]. - As of June 30, 2025, Shouhui Group had over 29,000 contracted agents and served 3.8 million policyholders, with partnerships exceeding 1,300 across 15 provincial regions [3]. Future Development Plans - Shouhui Group aims to achieve sustainable high-quality growth through a combination of strategies: 1. Increasing Product Depth: The company will continue to innovate and iterate products based on customer needs and market competition, focusing on proprietary IP products and strengthening partnerships with reputable insurance companies [3][4]. 2. Expanding Channel Breadth: Plans include enhancing offline branch networks and training specialized agents to tap into offline market potential, while also deepening existing channel partnerships [4]. 3. Enhancing Technological Strength: The company will leverage technology to automate key processes, improving operational efficiency and customer experience [4]. 4. Broadening Ecosystem: Shouhui Group will explore new scenarios in corporate group insurance and property insurance, as well as expand into overseas markets to create additional growth avenues for the next 5-10 years [4].