2026年开年以来，先是中国移动多地线下营业厅开卖保险，紧接着平安证券、招商证券等头部机构纷纷 在官方App中更新保险业务专属入口，引发业内广泛热议。时间再往前推，2025年，越秀集团、"美的 系"等资本纷纷通过股权收购涉足保险领域。 这场由券商、运营商及产业资本共同推动的跨界热潮，背后隐藏着怎样的商业逻辑？当保险销售从代理 人、银行柜台延伸至券商APP和通信营业厅，是行业供给侧的结构性优化，还是流量焦虑下的被动试 水？当"买保险"变得越来越"日常化"，消费者应该如何科学投保？ 跨界玩家密集进场 "证券账户里能买分红险，办手机卡时被推荐健康保障"，如今这样的场景已越来越常见，保险行业正迎 来多渠道融合的新变化。 2025年年末至2026年年初，多家券商在其官方APP中悄然上线"保险专区"，其中某头部券商机构在官方 APP内已上线18只保险产品，涵盖年金险、寿险、健康险三大品类，其中13只为分红型产品。另有一家 券商则将"保险专区"与"证券专区"在App内平行陈列，上线产品不仅包含传统险种，更纳入了财产险、 宠物险等贴近大众日常生活的品类，进一步拓宽了保险服务的触达场景。 与券商的"线上布局"不同，中国移动选择 ...

Core Insights - The Hubei Insurance Industry Association has implemented an innovative disaster recognition mechanism for vehicle insurance claims, improving efficiency by over 30% through a single assessment recognized by all companies [1] - A comprehensive "Hubei Road Risk Map" has been created using data from 2024 vehicle insurance accidents, identifying 2,198 high-risk and 30,367 medium-risk road segments, aiding in risk prevention [1][2] - The association has successfully addressed the insurance challenges faced by 584 high-risk vehicles, enabling them to obtain coverage through collaborative efforts with major insurance companies [2] Group 1 - The implementation of a disaster recognition mechanism has streamlined the claims process, reducing redundancy and enhancing efficiency [1] - The "Hubei Road Risk Map" serves as a critical tool for traffic safety governance, providing precise risk assessments for road segments [1][2] - The association's initiatives have led to significant outreach in insurance knowledge, impacting over 500,000 individuals through various campaigns [2] Group 2 - The "Chutian Huijia Bao" project has achieved notable success, with 176,700 policies sold and over 27.61 million yuan in premium income, ranking highly among similar products nationwide [2] - Ongoing efforts to combat illegal insurance practices have resulted in the referral of 15 cases to law enforcement, with a total involved amount of 32.04 million yuan [2]

Core Insights - The "Car Insurance Easy to Insure" platform has launched a new insurance entry for high-risk fuel-operated commercial vehicles, addressing the issue of insurance accessibility for these vehicles [1][2] - The initiative is part of a broader effort by the China Insurance Industry Association and Shanghai Insurance Exchange to enhance insurance coverage for high-risk vehicles, following the successful implementation for new energy vehicles [2][4] Group 1: Platform Launch and Features - The "Car Insurance Easy to Insure" platform was officially launched on January 25, 2025, initially focusing on high-risk new energy vehicle insurance needs [2] - As of now, 37 property insurance companies have joined the platform, covering over 1.1 trillion yuan in insurance for more than 1.1 million vehicles [2][3] - The newly added insurance entry specifically targets four categories of high-risk fuel-operated commercial vehicles, including taxis, rental passenger vehicles, commercial trucks, and non-commercial trucks [2] Group 2: Industry Response and Responsibilities - The insurance industry has recognized the challenges faced by high-risk fuel-operated commercial vehicles and is taking steps to address the insurance difficulties [2][4] - Insurance companies participating in the platform are required to uphold consumer rights, ensure service quality, and adhere to regulatory standards [4][5] - The platform emphasizes the importance of data security and operational efficiency, with measures in place to prevent data breaches and enhance service delivery [5]

Core Insights - The insurance industry is characterized by a borderless power, as demonstrated by the sharing of success stories among global peers at the Bangkok Forum [2] - The essence of success in the insurance sector lies in unwavering belief, where industry leaders view insurance as a commitment to safeguarding lives rather than merely selling products [3] - Building trust-based relationships with clients is crucial, transforming transactions into friendships, which enhances customer loyalty and retention [4] - Innovation is essential for survival in the competitive landscape of the insurance industry, with a consensus that top sales professionals must adopt boundary-breaking thinking [5][6] - The forum served as a catalyst for actionable insights, leading to the establishment of initiatives like "belief morning meetings" and customer relationship assessment tools [8] Belief - Successful individuals in the insurance industry are driven by a strong belief in their mission, which fuels their daily actions and long-term goals [3] - They visualize their success and manage their time effectively, turning work into a fulfilling experience [3] Relationships - The relationship with clients should transcend mere transactions, focusing on mutual understanding and support [4] - High customer retention rates, such as a 98% renewal rate among top insurance professionals, are attributed to a friend-like professional relationship [4] Innovation - The insurance industry is entering an era where innovation is the key to competitive advantage, necessitating a proactive approach to changing customer needs [5] - The "coffee shop salon" model is highlighted as a transformative approach to client engagement, shifting from product presentations to wealth management discussions [6] Actionable Insights - The forum inspired the implementation of new practices within the company, emphasizing the importance of maintaining core values and adapting to innovation [8] - The focus on nurturing client relationships and embracing technological advancements is seen as vital for future insurance entrepreneurs [6][8]