2026 年，"十五五"规划启航，保险业继续锚定高质量发展航向。作为重要践行者，保险代理人这一职业告别了粗放式发展，在精英化赛道上深耕细作。专 业的厚度，定义着职业的高度；价值的光芒，照亮着行业的征途。环球网财经策划《保险人・微光成炬》栏目，聚焦优秀保险代理人，通过记录他们进阶的 足迹，解码行业转型的微观样本，绘就一幅属于保险人的精神图谱。 0:00 / 5:21 【环球网保险报道 记者 冯超男】保险，一端筑牢人民健康的防线，一端夯实财富增值的基石。这一领域，民生温度化作一纸纸契约，守护着千家万户，"穿 梭"于市井街巷里的烟火人间 。而保险代理人始终是背后责任承载的坚定托举者。 回顾我国人身险个险渠道三十余年的发展历程，期间行业曾靠"人海战术"驱动业务进入爆发式增长期，2019年代理人数量一度攀升至912万人的历史高点。 然而，粗放式扩张带来后遗症逐渐暴露，靠个险人力拉动保费的模式终究不可持续。近些年，个险渠道从"规模扩张"向"质量提升"转型，经过多年的"清 虚"调整，2024年末代理人数量下降到264万人。 昔日的"推销员"，如今的"风险规划师""财富守护者"，保险代理人角色的蜕变，不仅是身份的更迭，更是一 ...

（来源：北京商报） 2025年全年，保险行业交出了怎样的答卷？2月1日，北京商报记者了解到，金融监管总局近日公布的数 据显示，行业累计实现原保险保费收入6.12万亿元，同比增长7.43%。人身险板块无疑是拉动增长的主 力引擎，全年人身险公司原保费收入达4.36万亿元，同比增长8.91%。其中，寿险业务以3.56万亿元的 收入和11.4%的同比增速一马当先。相较而言，人身险公司和财产险公司的健康险业务在2025年的整体 表现略显平淡，未能突破万亿元保费大关。 中国保险行业协会近日披露的数据显示，在政策支持和市场需求的双重驱动下，健康险近十年年均复合 增长率超过20%，在售医疗保险产品超过1.1万个。在业内人士看来，尽管政策层面持续发力，如《关 于推动健康保险高质量发展的指导意见》出台，意在引导产品创新与服务深化，但市场需求的进一步激 发仍需时间。 视线转向财产险市场，财险公司2025年保费增长幅度仍较小。2025年财险行业累计原保费收入1.76万亿 元，同比增长3.92%，较2024年增速略有下降。主力险种车险和近年来备受关注、政策频出的非车险， 原保费收入分别为9409亿元和8161亿元，同比分别增长2.98 ...

2025年全年，保险行业交出了怎样的答卷？2月1日，北京商报记者了解到，金融监管总局近日公布的数 据显示，行业累计实现原保险保费收入6.12万亿元，同比增长7.43%。人身险板块无疑是拉动增长的主 力引擎，全年人身险公司原保费收入达4.36万亿元，同比增长8.91%。其中，寿险业务以3.56万亿元的 收入和11.4%的同比增速一马当先。相较而言，人身险公司和财产险公司的健康险业务在2025年的整体 表现略显平淡，未能突破万亿元保费大关。 业内人士分析指出，当前保险业的增长动力，显著侧重于满足居民的长期储蓄和财富管理需求，而保障 型业务的拓展则进入攻坚期。展望未来，如何在巩固储蓄优势的同时，有效激发健康、养老等领域的真 实保障需求，突破结构性瓶颈，将是行业从规模扩张迈向高质量发展的关键命题。 2025年保费"画像"出炉 1月30日，金融监管总局发布2025年度保险业经营数据。截至2025年末，保险业总资产突破41万亿元， 同比增长15.06%；与此同时，全年累计赔付支出2.44万亿元，同比增长6.2%。 2025年，保险业原保险保费收入6.12万亿元，相比2024年的5.7万亿元同比增长7.43%，不及2024 ...

2025年全年，保险行业交出了怎样的答卷？2月1日，北京商报记者了解到，金融监管总局近日公布的数据显示，行业累计实现原保险保费收入6.12万亿元， 同比增长7.43%。人身险板块无疑是拉动增长的主力引擎，全年人身险公司原保费收入达4.36万亿元，同比增长8.91%。其中，寿险业务以3.56万亿元的收入 和11.4%的同比增速一马当先。相较而言，人身险公司和财产险公司的健康险业务在2025年的整体表现略显平淡，未能突破万亿元保费大关。 众托帮联合创始人兼总经理龙格表示，寿险的高增长主要得益于利率下行环境下，其储蓄功能对居民的吸引力增强以及行业渠道改革见效。 "2025年保费增速放缓至7.43%，是在2024年高基数上的稳健增长。"龙格也表示，增速回落主要源于宏观经济环境影响投保节奏，以及健康险这一重要增长 引擎动力减弱。这标志着行业从高速增长步入注重结构优化的高质量发展阶段。 健康险近年来被寄予厚望。2025年，人身险公司和财产险公司的健康险全年累计总保费收入9973亿元，距离万亿里程碑仅一步之遥。细分来看，不同于人身 险公司的健康险保费收入同比略有下滑，财产险公司的健康险业务则实现了11.3%的较快增长，贡献 ...

Group 1 - China Ping An's A-shares rose by 2.71% to 60.2 yuan, and H-shares increased by 2.55% to 58.25 HKD, marking a four-day consecutive rise and reaching the highest level since July 2021 [1] - Following its acquisitions of stakes in China Merchants Bank and Agricultural Bank of China, China Ping An has again made a move by acquiring shares in China Pacific Insurance, marking the first instance of an insurance company acquiring another insurance company in six years [1] Group 2 - Securities firms generally believe that the insurance sector is currently at a historical low in terms of valuation, indicating significant upward potential for insurance stocks [2] - According to China Galaxy Securities, the insurance industry is gradually moving towards high-quality development, with challenges from declining interest rates affecting profitability, but policy reforms are enhancing market conditions and investment returns [2] - The reduction in the preset interest rates for life insurance will help alleviate pressure from interest rate spreads and lower liability costs, promoting high-quality growth in the life insurance sector [2]

Core Insights - The launch of the "Insurance Health and Wellness Consultant" program by Ping An Life aims to upgrade the existing agent workforce and reshape industry standards towards professionalization and specialization [1] - The insurance market is evolving, with consumers increasingly seeking comprehensive services that integrate insurance with health and retirement planning, presenting both challenges and opportunities for insurance agents [1] Group 1: Industry Transformation - Since the introduction of the insurance agent system in 1992, the agent workforce in China peaked at 9.12 million in 2019, but faced significant challenges post-2020 due to low productivity and trust issues stemming from misleading sales practices [2] - Regulatory measures have been implemented to address these issues, leading to a shift from a quantity-driven approach to a quality-driven one, where agents must now meet higher professional standards [2][5] Group 2: Professionalization of Agents - The role of insurance agents has significantly changed, now requiring them to provide personalized services and expertise in areas such as retirement planning and wealth management, rather than merely selling products [4][6] - The trend of hiring cross-industry talent is rising, with many agents now coming from backgrounds in banking, healthcare, and law, enhancing the credibility and trustworthiness of the advice provided to clients [3][4] Group 3: Performance Improvement - Insurance companies are focusing on building high-quality agent teams, with initiatives like China Life's "Seed Plan" and Ping An's "Health Wealth Planner" program aimed at improving agent performance and service quality [5][6] - Recent performance reports indicate a positive trend, with Ping An Life's new business value increasing by 26.5% year-on-year and average new business value per agent rising by 43.3% [6] Group 4: Future Outlook - The insurance industry is expected to undergo further "reshuffling," with inefficient and unprofessional agents likely to be eliminated, while those with professional skills and long-term service capabilities will thrive [7] - The evolution of insurance agents from mere salespeople to risk management and wealth management consultants reflects the broader transition of the insurance market towards high-quality development [7]

Core Viewpoint - The event marked the launch of the "Chat e Insurance" feedback system, aimed at enhancing customer service and satisfaction in the insurance industry of Liaocheng [1][2][4]. Group 1: Event Overview - The event was co-hosted by the Liaocheng Financial Regulatory Bureau and the Liaocheng Insurance Industry Association, with participation from nearly 200 representatives from various insurance companies [1]. - Key leaders, including Zhao Wenhe and Deng Zhenchun, delivered speeches highlighting the importance of the insurance sector in supporting local economic development [2][3]. Group 2: Industry Development - The insurance industry in Liaocheng has seen continuous growth in business scale and service quality, contributing significantly to the region's high-quality economic development [2][3]. - Various initiatives, such as "New Confidence" insurance service enhancements and measures against malicious policy cancellations, have been implemented to address industry challenges [2]. Group 3: Future Directions - The insurance sector aims to leverage the feedback system to improve service quality and consumer satisfaction, aligning with the government's development goals [4][5]. - There is a strong emphasis on innovation in product design and service models to meet diverse consumer needs [4].

Core Viewpoint - The conference emphasized the importance of the insurance industry in supporting China's modernization and high-quality economic development, focusing on innovation, service improvement, and risk management [2][6][10]. Group 1: Conference Overview - The second "Insurance Family Forum" was held in Beijing, focusing on the theme "Insurance Services for Chinese Modernization" [2]. - The event gathered top scholars and practitioners from the insurance sector to discuss how to enhance the industry's role in economic development [2][6]. Group 2: Key Presentations - Zhang Wei, from Tsinghua University, highlighted the complex external environment affecting the insurance industry and the need for innovation and responsiveness to national strategies [6]. - Liang Tao, former vice chairman of the China Banking and Insurance Regulatory Commission, discussed the new regulatory framework aimed at guiding the industry towards value creation rather than just risk management [9]. - Chen Zhiqiang, president of the Beijing Insurance Industry Association, emphasized the need for innovation and collaboration in the insurance sector to support urban governance and disaster prevention [10]. Group 3: Research Report Insights - The "2025 China Insurance Competitiveness Research Report" was introduced, aiming to reflect the competitive landscape of the insurance industry and provide insights for high-quality development [13][15]. - The report includes a ranking system based on ten evaluation indicators across five dimensions, assessing the comprehensive competitiveness of insurance companies [15]. Group 4: Roundtable Discussion - A roundtable discussion focused on the future of commercial health insurance, emphasizing the need for product innovation, service upgrades, and ecosystem collaboration [16][18]. - Key areas for product innovation include targeting specific demographic needs and expanding coverage to include non-listed medical services [18]. - The discussion highlighted the importance of establishing data-sharing mechanisms and policy collaboration to enhance the insurance ecosystem [18]. Group 5: Future Outlook - Despite short-term growth pressures, the health insurance sector is expected to benefit from aging populations and rising medical consumption, presenting strategic opportunities for sustainable development [19]. - The conference awarded the "Zijing Award" and recognized 31 exemplary cases of innovation in the insurance industry, showcasing the sector's commitment to high-quality development [20].

Core Viewpoint - The insurance industry is undergoing a transformation driven by regulatory reforms and changing consumer demands, as highlighted by the popular drama "The Good Life," which reflects both the growth and challenges faced by the sector [2][3]. Group 1: Industry Challenges and Reforms - The rapid expansion of the insurance agent workforce has led to issues such as inflated manpower and inadequate training, resulting in a lack of trust in insurance sales [3][4]. - The recent notification from the financial regulatory authority aims to reform the personal marketing system in the insurance industry, emphasizing the need for better regulation and professionalization of agents [2][4]. - The "New National Ten Articles" issued by the State Council calls for accelerated marketing system reforms to enhance the quality and sustainability of the insurance sector [3][4]. Group 2: Industry Trends and Innovations - Major insurance companies are launching initiatives to attract high-quality agents, reflecting a competitive landscape focused on improving service quality and agent professionalism [4][5]. - The industry is shifting from a focus on scale to value creation, with companies like China Pacific Insurance and Taikang Insurance implementing strategies to address aging populations and diversify service offerings [6][7]. - Digital transformation is becoming a key driver for precision in product innovation and risk management, utilizing technologies like AI and IoT for better underwriting and claims processes [5][6]. Group 3: Consumer Engagement and Education - There is a growing recognition of the need for better public understanding of insurance as a risk management tool, which is essential for enhancing consumer trust and satisfaction [7]. - The narrative in "The Good Life" illustrates the importance of empathy and professionalism in insurance sales, aligning with the industry's goal of putting customers at the center of its operations [2][7]. - The industry's transition towards a more refined management approach aims to improve customer experiences and restore the fundamental purpose of insurance as a safety net [7].