Core Viewpoint - The company has demonstrated strong growth and strategic synergy in its business operations, with significant improvements in both bancassurance and individual insurance channels, leading to a new business value of 3.84 billion yuan in the first half of the year [1][3]. Group 1: Bancassurance Channel Performance - In the first half of the year, the bancassurance channel achieved a new single premium income of 32.8 billion yuan, ranking second in the market [2]. - The premium income from regular premiums was 15.8 billion yuan, while the single premium income was 17 billion yuan, indicating strong capability accumulation and high management standards [2]. - The number of cooperative banks increased from 26 to 54, with over 90,000 bank outlets currently in operation, showcasing a significant expansion in business [2]. Group 2: Individual Insurance Channel Performance - The individual insurance channel saw a new single regular premium income of 1.6 billion yuan, a year-on-year increase of 26% [2]. - The average monthly productivity per agent reached 154,000 yuan, up 27% year-on-year, with retention rates of 96.6% for 13 months and 97.9% for 25 months, both exceeding industry averages [2]. - The rapid growth in the individual insurance channel is attributed to the deepening of the independent agent model, which has achieved a compound annual growth rate of 85% in new single regular premium income over five years, significantly higher than the industry average [2]. Group 3: Management and Cost Control - Since 2019, the company has established a new business value management system centered on eight driving factors, leading to continuous growth in new business value [3]. - The new single liability comprehensive cost rate has decreased by 53% compared to 2019, reflecting effective cost control measures [3]. - The company has implemented various initiatives to optimize product structure and control expenses, resulting in a significant reduction in liability costs over the past five years [3]. Group 4: Ecological Empowerment and Pension Services - In the first half of the year, the new single premium for pension products reached 18.9 billion yuan, a year-on-year increase of 79%, indicating significant empowerment effects [3]. - The company leverages high-quality pension services under the "City Heart Medical Care," "Travel Therapy," and "Home Care" brands to meet clients' diverse pension needs [3]. - As of now, the total pension funds reserved by clients with the company have reached 290 billion yuan [3].

600万人流失之后，保险业开启营销队伍扁平化尝试 图片来源：界面图库 界面新闻记者 | 吕文琦 在山西省太原市，罗育燕的大家保险独立代理人门店第一天开门迎客。这家门店位于太原市中心的写字 楼中，不算大的办公室里坐满了客户。 罗育燕将这座门店视为自己保险生涯的新起点，"让自己有充足的信心持续达成MDRT（ 百万圆桌会 员），乃至更高级别的TOT（顶尖会员）会员。" 罗育燕的门店附近是王平的大家保险盛家专属代理店，他和助理正在组织客户进行书法活动。王平透 露，与过去保险业金字塔型的营销结构不同，他的门店只有他和三位助理，但2024年实现标准保费达800 万元。 大家保险的独立代理人门店是当下寿险代理人营销队伍扁平化尝试的典型代表。 寿险业巅峰期，全行业共有973万代理人，而现在这一数字骤降至260余万。究其原因，除了客户需求改 变，营销结构失灵也是难以避开的问题。 在传统金字塔型营销模式下，销售佣金和管理津贴在多层级的代理人团队中逐级抽成，导致底层代理人 收入被大幅压缩。 处于塔基的代理人虽是销售主力，但其直接佣金需被中高层以"职级管理津贴"（即人头费）形式层层抽 取，最终实际收入占比偏低；而位于塔顶的高层级代理 ...

专属代理店是怎样一种模式？大家人寿独立代理人业务还有何规划？"行业独代看大家，大家独代看山西"，券 商中国记者到山西太原了解了相关情况。 从"个人"代理人到"法人" 王平是大家人寿的独立代理人，他的门店位于山西省太原市茂业中心写字楼，于2023年6月开业。他向记者表 示，有了营业执照，他从个人代理人的自然人变为法人，身份的改变对他展业和服务客户有很大帮助。一方 面，客户对他的信任度更高，另一方面，"开店"可以享受小微企业优惠政策，节税的钱可以再投入门店经营 中，提高自己的竞争力。 "客户从最初单纯购买产品转变成了长期信赖我们门店的综合服务，也形成了良好互动的经营模式，这打破了 传统'行商'概念，而在门店场所有了具象化、场景化的营销方式。"王平说，这种服务模式打破了传统的保险产 品单向推销逻辑。 同一栋楼里还有另外2家大家人寿专属代理店。罗育燕已在保险业17年，她的门店近日开业。谈及开店的原 因，她坦言在看到王平开店后触动很大，这更利于服务客户，同时，自己也能以法人身份与体检机构等合作。 在山西，大家人寿的独代专属代理店已有6家。在大家人寿山西分公司总经理任翔洲看来，专属代理店促进寿 险营销三个转变：第一，从被 ...