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].

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 ...