新生代保险代理人有哪些特征？学历更高、男性更多……

Core Viewpoint - The insurance agent industry is undergoing a significant structural transformation, with a notable decrease in the number of agents and a shift in the profile of new generation agents, reflecting changes in professionalization, employment structure, and career attractiveness [1][2][4]. Group 1: Industry Trends - The number of insurance agents has drastically decreased, with a reduction of nearly 70% from the peak period, dropping from 9.12 million in 2019 to 2.64 million by the end of 2024 [4]. - Despite the decline, the rate of decrease has slowed, indicating a stabilization trend, with the number of agents at 2.81 million by the end of 2023 [4]. - New agents (with less than 13 months of experience) are increasing at an annual rate of 4 percentage points, projected to reach 20.23% by 2025 [6]. Group 2: Agent Profile Changes - The educational level of insurance agents is rising, with 72.34% holding a college degree or higher, an increase of 5.5 percentage points from the previous year [9]. - The proportion of male agents has increased to 23%, marking a 5 percentage point rise, although females still dominate the industry at 77% [9]. - The age distribution shows a significant increase in agents aged 25-34, while those aged 45-54 have decreased the most [9]. Group 3: New Agent Characteristics - New agents have a higher male representation at 33%, which is 10 percentage points above the industry average [11]. - The proportion of new agents with a college degree or higher has reached 45%, indicating that educational qualifications are becoming essential for entry into the industry [11]. - Monthly income for new agents is predominantly in the range of 6,001 to 20,000 yuan, with only 34.3% falling within this range, which is 11 percentage points lower than the industry average [12].