突破瓶颈 实现专业飞跃 初入行时满怀激情，然而，随着"缘故市场"的逐渐枯竭，她遭遇了职业生涯中的第一个瓶颈——客户资源 枯竭。正当她萌生退意之际，有人及时拉了她一把，"我的师傅给予我莫大的支持与鼓励，给我做心理疏 导，帮我重拾信心。"通过分析，也找到了问题所在——专业知识欠缺。基于此，翟兆萍开始埋头苦学， 从网络课程到系统性学历提升项目，通过不断学习来拓宽知识边界。过去十多年里踏踏实实走的每一步， 都成为她成功路上的垫脚石。专业技能产生质的飞跃，荣誉纷至沓来：持续百月总公司鑫星会钻石会员、 总公司TOP500高峰会会员、总公司诚信大使、服务明星，并于2025年6月达成IDA铜龙奖。 以心交心 真诚服务筑信任 翟兆萍坚信，真诚的服务是通往成功的桥梁。曾经有位客户很排斥保险，但天有不测风云，客户的家人不 幸离世，留下孤儿寡母面对生活的重压。翟兆萍一想到这件事情，内心便充满了自责与内疚，"如果当初 我能够说服他们，或许就能让她更从容地应对这场变故。"在那段艰难的日子里，翟兆萍尽己所能给予这 位客户支持与陪伴。客户在经历了一系列变故后，也终于认识到了保险的重要性，为自己购买了健康保 险。 认定了正确的事情，就要持之以 ...

Core Insights - The core viewpoint of the news is that despite an increase in total premiums, the company reported a significant decline in net profit, raising concerns about its financial health and operational challenges [1][2]. Financial Performance - In 2024, the company reported total revenue of 341.31 billion yuan, a year-on-year increase of 1.8% [2] - The net profit for 2024 was 6.03 billion yuan, representing a dramatic decline of 84.32% compared to 2023 [2] - The insurance service revenue grew by 15.3%, but the combined cost ratio increased by 1.7 percentage points to 96.9%, leading to a decrease in underwriting profit by 2.91 billion yuan [2] - The health ecosystem, a core business, saw total premiums exceed 10 billion yuan for the first time, reaching 103.38 billion yuan, but the growth rate slowed significantly from 33.2% in 2023 to 5.4% in 2024 [2] - The digital life business reported a premium growth of 28.9% to 161.97 billion yuan, contributing 48.5% to total premiums, but faced a high combined cost ratio of 99.7% [2] Operational Challenges - The company faced a significant increase in complaints, with over 10,000 complaints reported, many related to its "Magic Cube" business model, which has been criticized for misleading marketing practices [4][6] - The number of lawsuits and disputes has surged, with over 4,000 cases reported in 2024, up from less than 2,000 in 2022 [6] - The company’s reputation has been further damaged by frequent regulatory penalties, including a notable fine related to improper use of insurance funds [7] Market Reaction - Following a peak in stock price in October 2024, the company's shares experienced a sharp decline, dropping to around 10 HKD, nearly halving from previous highs [1] - The company was removed from the Hang Seng Technology Index, which analysts attribute to poor performance and a significant drop in market capitalization [8]