空缺近两年，瑞泰人寿保险有限公司（以下简称"瑞泰人寿"）总经理终于尘埃落定。12月5日，监管批 复，蔡廉和正式获批出任瑞泰人寿总经理。这一任命标志着瑞泰人寿自上一任总经理离任后，近两年的 核心管理岗位缺位状态正式终结。 管理层调整结束，也让市场将更多关注点放在了瑞泰人寿经营层面上。不过，今年前三季度，瑞泰人寿 并未实现盈利，大幅扩大的亏损额、表现不佳的投资收益，无疑将加重这位新总经理的担子。 管理层接连调整 12月5日，北京金融监管局发布关于CAI LIAN HE（蔡廉和）瑞泰人寿总经理任职资格的批复表示，核 准蔡廉和瑞泰人寿总经理的任职资格。至此，瑞泰人寿空缺近两年的总经理终于尘埃落定。 透过简历来看，蔡廉和为精算方面的专业人士，加拿大籍，复旦大学计算数学及应用软件专业本科学 历，中国精算师、北美精算师。蔡廉和曾经担任招商信诺人寿保险有限公司首席市场官、副总经理、总 精算师，汇丰人寿保险有限公司副总经理、首席产品官、北京分公司总经理等职务。2024年7月进入瑞 泰人寿工作，现任瑞泰人寿总经理，按照公司董事会要求，全面主持公司业务经营管理工作。可以看 出，陶耀辉卸任瑞泰人寿临时负责人之际，蔡廉和便已进入瑞泰人 ...

Core Insights - Huize Holdings reported a total premium of 1.44 billion yuan in Q1 2025, a 38% quarter-on-quarter increase, with first-year premiums reaching 730 million yuan, reflecting a 31% quarter-on-quarter growth, showcasing the company's operational resilience and growth potential [1] - The integration of AI technology has significantly enhanced operational efficiency, with over 200 AI agents developed by employees, leading to a 29% reduction in sales, management, and R&D expenses [2] - The company has maintained a leading position in the dividend insurance market, with dividend insurance premiums accounting for 56% of total savings insurance premiums in Q1 2025 [3] AI Application and Efficiency - Huize has implemented an AI strategy that includes a 24/7 AI app for customer service, achieving an average daily service of over 15,000 clients [2] - The "Little Horse Claims AI Agent" has automated the claims process, improving reporting efficiency by 90%, with claims amounting to 190 million yuan processed in Q1 [2] Product Innovation - The company has launched several innovative insurance products, including dividend life insurance and customized health insurance, aimed at expanding its market reach and addressing customer needs [3] - New products like "Little Naughty Global Version" critical illness insurance offer global claims and overseas medical treatment, enhancing customer experience [3] Customer Engagement and Growth - Huize has surpassed 11 million cumulative insured users, with a 58% quarter-on-quarter increase in average first-year premiums for long-term insurance, reaching 5,400 yuan [5] - The company focuses on high-quality customer service throughout the insurance lifecycle, supported by a robust risk control engine that has reduced claims amounts by over 30 billion yuan [4][5] Strategic Vision - The CEO emphasized the commitment to creating win-win value for insurance companies and end customers through product innovation, customer experience, and AI empowerment, aiming for sustainable returns for shareholders [5]