经济观察报·2025-12-30 12:00Core Viewpoint - The profession of insurance agents has evolved over the past 25 years towards specialization and refinement, becoming crucial participants in residents' life protection and economic development [4]. Group 1: Historical Development - In 1991, the individual began their journey in the insurance industry with a mere 400 yuan, joining Ping An Life as an insurance agent four years later, marking the start of their career [3]. - The insurance market in China experienced significant growth after the country joined the WTO in 2001, leading to increased public awareness and acceptance of insurance products [6][7]. - Between 2014 and 2019, the number of insurance agents in China surged from 3.25 million to a peak of 9.12 million, reflecting the rapid expansion of the industry [14]. Group 2: Challenges and Transformations - The rapid growth of insurance agents led to issues such as varying quality among agents and high policy cancellation rates, damaging the industry's reputation [18]. - The economic slowdown and changing consumer demands resulted in a competitive environment where the traditional "human sea" strategy became less effective [19]. - In response to these challenges, Ping An Group initiated reforms in insurance marketing, including the introduction of dual recording mechanisms to curb sales misconduct [18]. Group 3: New Strategies and Innovations - The individual recognized the need to adapt to changing market conditions by investing over one million yuan in learning from successful overseas insurance models, focusing on integrated service capabilities [20]. - The introduction of the "insurance + healthcare" strategy by Ping An Group aligned with the individual's vision of enhancing service capabilities in the insurance sector [22]. - The rise of new media and technology has transformed the relationship between insurance agents and clients, prompting the individual to become a "video blogger" to share insights and attract potential clients [23]. Group 4: Philanthropy and Social Responsibility - The individual initiated a charity fund aimed at supporting youth education, reflecting a shift in the wealth perspectives of high-net-worth individuals towards social contribution [26][27]. - The changing perception of insurance among residents, particularly in the context of wealth protection and inheritance, has created new opportunities for insurance agents to meet these evolving needs [28].