15年前，当李玉凤从重庆农村辗转来到上海时，她心中只有一句话："我要在这里扎根生长！"这个朴素 的愿望，将她带入了一场与命运的博弈。 当一起毕业的大学同学陆续找到工作时，李玉凤还在招聘会上四处碰壁。她的大学学历，在这座城市 里，仿佛不再是一颗香饽饽。一次次被拒的打击下，她陷入了深深的迷茫。后来，几乎是带着一种"走 投无路"的心情，选择了当时并不被看好的职业——保险营销员。 2011年，她依旧在为业绩发愁，如果再没有起色，就要被公司淘汰了。就在她几乎要放弃的时候，一位 客户主动找到了她。 李玉凤的故事，是一个普通人，在梦想与现实的巨大落差中，挣扎求生的真实写照。而最终，在中国人 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）的事业蓝天下，为客 户提供的一份份保险单，已然成为了她予人安心的承诺，当年背水一战的山村姑娘也成了照亮他人美好 生活的闪亮灯塔。 "沪漂"的求生战役 李玉凤曾是家乡的骄傲。从四川外国语学院毕业，她感觉，凭着自己的学历和能力，在这座繁华都市里 找到一份体面的工作，应该不是难事。然而，现实却给她上了"生动一课"。奔波于各种招聘会，在人潮 中投递简历，得到 ...

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]