从76年前的应运而生，到30年前迈入人身险业务专业化经营，再到当下的引领国内寿险业砥砺奋进，中 国人寿始终用坚守与变革，诠释着国有金融险企的责任与担当。一路走来，从计划经济时代的独家经营 到市场经济大潮中的破浪前行，从传统保险服务商到综合金融生态引领者，变的是发展方式和商业模 式，是顺应时代的开拓进取，不变的是"以人民为中心"的发展思想，是"成己为人、成人达己"的核心价 值观，是守护人民美好生活的赤诚初心。 迎来个险营销30周年之际，中国人寿表示，将继续深耕寿险沃土，全心全意为广大保险消费者提供简 捷、品质、温暖的保险保障服务。未来，该公司将不忘初心、砥砺前行，以高质量的保险产品供给助力 夯实人民美好生活的"经济基础"，切实提升人民群众的获得感、幸福感和安全感。 2026年，寿险头雁——中国人寿保险股份有限公司（以下简称"中国人寿"，股票代码：601628.SH， 2628.HK）将迎来个险营销30周年。 30年前，中国人寿的前身中保人寿有限公司成立，开始迈入人身保险业务专业化经营时代，也是从这一 年开始，正式引入"个人营销代理人制度"。其个险销售队伍如同春笋般在全国各地破土而出，将保险的 种子播撒在960万 ...

Core Viewpoint - Waterdrop Insurance is facing significant public backlash due to complaints about unauthorized charges, particularly affecting elderly users, raising questions about its business practices and customer trust [1][3][15] Group 1: Customer Complaints - A viral post on social media highlighted that an elderly individual was charged multiple insurance fees after accidentally activating a payment feature on the Waterdrop app [1] - The complaints are not isolated, with over 2,200 reports on consumer platforms regarding issues like unauthorized charges and automatic renewals [5] - Many users reported similar experiences, often linked to accidental clicks on marketing links or ads while using other services [10][11] Group 2: Business Performance - Waterdrop Insurance, part of Waterdrop Inc., generated 1.397 billion RMB in revenue from its insurance segment in the first half of 2025, contributing 87.74% to the company's total revenue [11] - The operating profit for the insurance business reached 322 million RMB, reflecting a year-on-year growth of 27.85% [11] - Despite the financial success, the company faces challenges in maintaining customer trust due to increasing complaints and regulatory scrutiny [15] Group 3: Regulatory and Operational Challenges - Waterdrop Insurance has been criticized for its marketing practices, including misleading promotional claims that led to regulatory fines [15] - The operational costs for the company were reported at 1.418 billion RMB in the first half of 2025, with insurance costs accounting for 75.73% of total expenses [15] - The company has seen a decline in user satisfaction, dropping from 95% in 2020 to 60% in 2024, indicating a growing disconnect between its charitable image and business operations [15]

Core Insights - The article narrates the journey of Li Yufeng, who transitioned from a struggling job seeker to a successful insurance agent at China Life Insurance Company, highlighting her resilience and commitment to her clients [1][2][4]. Group 1: Personal Journey - Li Yufeng faced significant challenges in securing employment in Shanghai despite her university degree, leading her to choose a career in insurance marketing, which was not well-regarded at the time [2][4]. - She likened her initial struggles to a bamboo's growth, emphasizing the importance of patience and perseverance in her career [3]. - After five years of hard work and dedication, she experienced a pivotal moment when a client chose to purchase a policy from her, marking a turning point in her professional life [4][5][7]. Group 2: Professional Development - The first significant sale of a policy represented not just financial success but also a deep sense of trust and responsibility towards her clients, transforming her perspective on her work [7][9]. - Li Yufeng's commitment to her clients deepened as she began to view her role as a protector of families rather than merely a salesperson [9][10]. - She adopted a unique approach to client interactions, treating her office as a place for emotional connection and support, which resonated well with her clients [10][11]. Group 3: Social Responsibility - Li Yufeng's experiences led her to recognize the broader implications of her work, understanding that her role extended beyond sales to safeguarding her clients' financial futures [11][12]. - Her involvement with charitable organizations, particularly those supporting disabled individuals, reflects her commitment to giving back to society and using her success to help others [13]. - Over the years, she has established herself as a significant figure in the insurance industry, embodying the values of care and responsibility, and contributing positively to the community [13].

Core Insights - The insurance industry is actively participating in the upcoming "Double 11" shopping festival, employing diverse marketing strategies to attract consumers [3][4] - Insurers are offering various promotional activities, including premium discounts, giveaways, and educational content to encourage insurance purchases during the shopping frenzy [4][5] - The trend of significant discounts on insurance products has diminished due to stricter regulations and a shift towards rationality in the industry [6][7] Group 1: Marketing Strategies - Insurers are utilizing a range of promotional tactics, such as direct premium discounts, lottery draws, and shopping card giveaways, to engage consumers [4][5] - The marketing approach has become more scenario-based and entertaining, combining insurance education with incentives for consumers [5] - Major insurance companies like China Life, New China Life, and Ping An Property & Casualty are launching targeted campaigns for "Double 11" [4] Group 2: Regulatory Environment - The decline in substantial insurance discounts is attributed to increased regulatory scrutiny and a focus on the core function of insurance as protection rather than a promotional commodity [6][7] - Regulatory bodies have emphasized the importance of avoiding unreasonable low-price competition, leading insurers to seek sustainable strategies beyond price wars [7] Group 3: Consumer Considerations - Consumers can benefit from lower costs during promotional periods, but should prioritize coverage quality over price alone [8][9] - Key factors for consumers to consider include coverage scope, exclusions, premium amounts, and the insurer's service capabilities [9] - The types of discounted insurance products mainly include travel accident insurance, medical insurance, and home insurance, which typically have shorter terms and simpler clauses [9]

Core Insights - The article highlights the journey of a dedicated insurance professional, emphasizing the importance of perseverance and continuous learning in achieving success in the insurance industry [1][4][10] Group 1: Professional Development - The individual faced a significant career bottleneck due to a depletion of client resources but overcame this challenge through mentorship and a commitment to enhancing professional knowledge [4][10] - Continuous education, including online courses and formal degree programs, led to a substantial improvement in professional skills, resulting in numerous accolades such as being a diamond member of the company's elite group [4][10] Group 2: Client Relationship Management - The individual believes that sincere service is crucial for building trust with clients, illustrated by a case where personal support helped a client recognize the value of insurance during a family crisis [6][10] - A focus on understanding client needs and providing tailored insurance solutions is emphasized, with the individual maintaining detailed client records to create comprehensive risk profiles [9][10] Group 3: Industry Challenges and Opportunities - The insurance industry is facing increased regulatory scrutiny, heightened competition, and diverse consumer demands, leading to a reduction in the number of marketing agents [10] - The individual views this trend positively, suggesting that it will elevate the demand for skilled insurance professionals who demonstrate self-discipline and commitment [10]

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]