648万保险代理人“退潮”

Core Viewpoint - The article discusses the significant decline in the number of insurance agents in China, highlighting a reduction of over 70% from a peak of 9.12 million in 2019 to an estimated 2.64 million by the end of 2024, with 648,000 agents leaving the industry [4][15]. Group 1: Industry Trends - The insurance agent workforce has experienced a dramatic contraction, with the number of agents dropping from 9.12 million in 2019 to 2.64 million by the end of 2024, indicating a loss of 648,000 agents [4][15]. - The decline in agent numbers is attributed to various factors, including lower product attractiveness due to declining interest rates, reduced commissions, and management changes within companies [8][15]. - The article notes that while the number of agents has decreased, several insurance companies have reported growth in premium income and new business value, suggesting a shift in the market dynamics [15][16]. Group 2: Agent Experiences - Many agents have chosen to leave the industry entirely, with some transitioning to different careers, such as corporate services, where they can earn stable salaries [8][9]. - Agents who remain in the industry face challenges such as reduced income and increased pressure from company policies, leading to a sense of uncertainty about their future [9][12]. - Some agents have successfully adapted by shifting their roles, such as moving from being agents to brokers, which allows them to represent client interests rather than just selling products [9][12]. Group 3: Survival Strategies - Surviving agents are adopting new strategies to cope with the changing landscape, including focusing on quality over quantity in team recruitment and leveraging online tools for client engagement [12][14]. - The article emphasizes the importance of continuous learning and adapting to new technologies, such as AI, to enhance service offerings and client interactions [14][17]. - Agents are encouraged to build personal brands and provide valuable services to establish themselves as trusted advisors rather than mere salespeople [17].