晚高峰时段的城市快速路上，两车追尾的刺耳刹车声刚刚消散。前车车主已通过手机一键发 起视频连线，在理赔专员远程指导下完成现场取证；后车车主正在微信对话框中上传证件照片， 系统自动识别并分类归档。不到10分钟，这起事故的查勘定损流程已顺利完成——这正是金融壹 账通"AI远程智赔平台"重塑车险理赔服务的真实写照。 以AI重塑车险理赔全流程 AI的价值，正在于让保险服务更高效、更普惠、更可信。作为平安集团"AI in All"战略的重要落地 实践，金融壹账通将人工智能全面融入保险理赔链路，推出了"AI远程智赔平台"，该平台构建起覆盖查 勘、定损、核赔、赔付、风控全流程的智能化理赔体系。 在过去的理赔服务中，客户常常需要在App、电话、微信等多个渠道间来回切换，重复讲述事故经 过、重复上传材料,服务过程被割裂成多个片段。这种碎片化体验不仅效率低下，也让客户的信任感逐 渐流失。 金融壹账通凭借18年的微运营经验，将理赔服务重新整合进统一的智能化平台。基于"AI远程智赔 平台"的微运营作业系统，从坐席发起好友添加请求开始，客户即可通过系统自动推送的指引完成资料 上传、影像采集与沟通确认，实现了连接即服务的无缝体验。 这一变 ...

EverQuote Q3 2025 Conference Call Summary Company Overview - **Company**: EverQuote (NasdaqGM:EVER) - **Date**: November 19, 2025 - **Key Speakers**: CEO Jayme Mendal, CFO Joseph Sanborn Key Financial Metrics - **Q3 Performance**: Record results across all financial metrics including revenues, VMD, EBITDA, and net income [5][5][5] - **Year-on-Year Growth**: 20% growth expected in the second half of the year, with a target path to reach $1 billion in revenue [5][5][5] Industry Insights - **Carrier Underwriting**: - Currently healthy with mid-to-high 80s combined ratios across carriers [7][7][7] - The industry is in a soft market cycle expected to last multiple years [7][7][7] - 80% of top 25 carriers have not yet reached historical peak spending levels [9][9][9] - **Market Dynamics**: - New advertising spend expected to be higher than previous peaks due to increased premiums [11][11][11] - Stability in underwriting costs is crucial for carrier health, with recent price increases averaging 40% over the past few years [20][20][20] Growth Drivers - **Digital Advertising Shift**: - Insurance is lagging in digital advertising compared to other sectors, with only one-third of advertising spend currently online [21][21][21] - High consumer shopping levels due to increased insurance costs create a favorable backdrop for growth [22][22][22] - **Smart Campaigns**: - AI-driven bidding product that improves return on ad spend by over 20% [15][15][15] - Majority of carriers are now using Smart Campaigns, leading to increased budget allocation to EverQuote [18][18][18] Expansion Opportunities - **Product Diversification**: - Currently, 90% of business is in auto insurance, with plans to expand into home insurance, which presents a higher growth opportunity [29][29][29] - Introduction of multiple products for agents, including marketing services and subscription models [34][34][34] - **Marketing Channel Revitalization**: - Plans to revive and expand into new marketing channels, including social media and AI search [36][36][36] Challenges and Considerations - **Market Volatility**: - External factors affecting advertising costs can impact margins [56][56][56] - The company aims for a long-term EBITDA margin target of 20% while managing operational expenses effectively [57][57][57] M&A Strategy - **Future M&A Considerations**: - Focus on organic growth with a path to $1 billion in revenue, but open to sector consolidation and technology acquisitions to enhance product offerings [60][60][60][62][62][62] Conclusion - **Outlook**: The company is well-positioned for growth with a healthy market environment, strong execution in digital advertising, and plans for product and channel expansion. The focus remains on leveraging technology to enhance marketing effectiveness and drive revenue growth.

百保科技第二大股东李雪峰具有众安系背景，此前曾在众安科技任职。爱企查显示，李雪峰为百保君联 合创始人、CEO，曾担任众安科技CTO。此外还曾就职于J.P.Morgan、亚马逊、东南融通、阿里巴巴等 公司。 百保君官网显示，百保君于2020年10月由众安科技孵化成立，自创始之初即定位于打造数据驱动的算法 保险，并利用科技优势挖掘数字化的健康需求，致力于为用户打造"帮买"模式。百保君是一家做广告、 卖"流量"的公司，帮助消费者找到保障顾问，帮助团队获客。 据21世纪经济报道、每日经济新闻等媒体报道，百保君通过"售卖权益+返还超额某平台充值卡+返可提 现积分"的模式吸引用户参与。今年9月起，多位用户反映百保君该充值卡不能按时兑付，这是"爆雷"事 件由来。截至11月18日，百保君相关投诉已超40起，涉及金额从数千到数万元不等。 另据媒体报道，百保科技今年9月房租到期后搬离官网显示办公地址（上海市闵行区申长路588号虹桥绿 谷广场B座3A10室），公司官网给出的联系电话已欠费停机，其2024年年报中披露的手机号码则是空 号。公司法定代表人、创始人兼CEO李雪峰已被警方带走调查，涉案金额或超亿元。 据了解，百保君由百保（ ...

记者丨林汉垚 实习生崔济鹏 编辑丨肖嘉 算法驱动的保险服务梦想，却在兑付拖延中出现了裂痕。 近日，一位消费者在黑猫投诉[下载黑猫投诉客户端]平台写道，2025年6月18日购买百保君平台住家护 理权益20份，合计8600元，平台承诺于2025年9月18日发放京东E卡100面值100张，却一直拖延至9月24 日仍未兑现，客服以各种借口推脱。 目前该投诉平台涉及"百保君"的投诉均处于待分配状态，无法匹配到商家。 这并非孤例。近日，百保君平台违约事件引发关注，多位消费者在社交及投诉平台反馈，其承诺的返利 及退款未能如期兑现。 21世纪经济报道记者通过公开信息检索发现，截至2025年11月18日，百保君相关投诉已超40起，涉及金 额从数千到数万元不等。 百保君被投诉的导火索，是其返利模式的失约。 2025年9月开始，已有多位用户在社交平台及投诉平台发帖称，在百保君平台购买的"权益产品"，未能 如期返还京东E卡。 根据百保君平台宣传，消费者支付数百元购买权益，即可获赠等额或更高价值的E卡，形成"稳赚不 赔"的闭环。 据媒体报道，百保君平台公司主体百保（上海）科技有限公司（以下简称"百保公司"）已在今年9月房 租到期后搬离 ...

21世纪经济报道记者通过公开信息检索发现，截至2025年11月18日，百保君相关投诉已超40 起，涉及金额从数千到数万元不等。 记者丨林汉垚 实习生崔济鹏 算法驱动的保险服务梦想，却在兑付拖延中出现了裂痕。 近日，一位消费者在黑猫投诉平台写道，2025年6月18日购买百保君平台住家护理权益20份， 合计8600元，平台承诺于2025年9月18日发放京东E卡100面值100张，却一直拖延至9月24日 仍未兑现，客服以各种借口推脱。 目前该投诉平台涉及"百保君"的投诉均处于待分配状态，无法匹配到商家。 这并非孤例。近日，百保君平台违约事件引发关注，多位消费者在社交及投诉平台反馈，其承 诺的返利及退款未能如期兑现。 据媒体报道，百保君平台公司主体百保（上海）科技有限公司（以下简称"百保公司"）已在今 年9月房租到期后 搬离官网显示办公地址 （上海市闵行区申长路588号虹桥绿谷广场B座3A10 编辑丨肖嘉 室），百保公司官网给出的联系电话已欠费停机，其2024年年报中披露的手机号码则是 空号 。 公司 法定代表人、创始人兼CEO李雪峰已被警方带走调查，涉案金额或超亿元。 图：每日经济新闻 承诺返利失约 百保君被投诉的 ...

Core Insights - The health service platform "Baibaokun" is facing a redemption crisis, with numerous users reporting that promised JD E-cards and points cannot be redeemed, and the company's Shanghai office is vacant [1] - The business model of Baibaokun is fundamentally based on "purchasing insurance rights + high returns in JD cards + redeemable points," with annualized returns significantly exceeding reasonable limits [1] - Legal experts suggest that the operations of Baibaokun may constitute illegal fundraising or fraud, as the offerings have deviated from normal insurance value-added services [1] Company Overview - Baibaokun is operated by Baibao (Shanghai) Technology Co., Ltd., with its only clear institutional background being Zhong'an Information Technology Service Co., Ltd. (Zhong'an Technology), a wholly-owned subsidiary of Zhong'an Insurance [2] - Zhong'an Insurance has stated that its subsidiary Zhong'an Technology has transferred all shares of Baibaokun's operating entity, Baibao Technology, and claims to be a victim in the ongoing investigation [2] User Complaints - Since September, discussions regarding the "Baibaokun redemption crisis" have proliferated on social media, with many users claiming that previously purchased rights have not resulted in the promised JD E-card returns [1] - As of November 17, there were 41 complaints about Baibaokun on the Black Cat Complaint platform, primarily concerning the failure to return JD E-cards upon expiration and delays in issuing JD E-cards through the Baibaokun WeChat mini-program [1]

算法驱动的保险服务梦想，却在兑付拖延中出现了裂痕。 近日，一位消费者在黑猫投诉平台写道，2025年6月18日购买百保君平台住家护理权益20份，合计8600 元，平台承诺于2025年9月18日发放京东E卡100面值100张，却一直拖延至9月24日仍未兑现，客服以各 种借口推脱。 南方财经全媒体记者 林汉垚 实习生 崔济鹏 目前该投诉平台涉及"百保君"的投诉均处于待分配状态，无法匹配到商家。 这并非孤例。近日，百保君平台违约事件引发关注，多位消费者在社交及投诉平台反馈，其承诺的返利 及退款未能如期兑现。 21世纪经济报道记者通过公开信息检索发现，截至2025年11月17日，百保君相关投诉已达数十起，涉及 金额从数千到数万元不等。 据了解，公安机关已对百保君立案调查，目前处于侦查阶段，其法定代表人李雪峰也被带走调查。 承诺返利失约 百保君被投诉的导火索，是其"返利"模式的"失约"。 2025年9月开始，已有多位用户在社交平台及投诉平台发帖称，在百保君平台购买的"权益产品"，未能 如期返还京东E卡。 根据百保君平台宣传，消费者支付数百元购买权益，即可获赠等额或更高价值的E卡，形成"稳赚不 赔"的闭环。 黑猫投诉平台上 ...

Core Viewpoint - The "Bai Bao Jun redemption crisis" has gained significant attention on social media, with users expressing concerns about the inability to redeem previously purchased benefits for JD.com gift cards [1] Company Overview - Bai Bao Jun is a platform under Bai Bao (Shanghai) Technology Co., Ltd., functioning as a health service search engine that primarily sells rights products and offers JD.com gift cards as returns [3][4] Recent Developments - The company has faced operational issues, with reports indicating that its office was vacated by September, leading to speculation about potential fraud or the company running away [5][6][7] - Users have reported difficulties in redeeming their gift cards, with some claiming they have not received the full amount promised [5][10] Business Model - Bai Bao Jun's business model involves selling rights products with high return promises, such as offering JD.com gift cards in exchange for purchasing insurance products [8][9] - For example, a user could pay 2,690 yuan for a six-period insurance plan, receiving 500 yuan in JD.com gift cards for each period, effectively making the insurance free while providing additional value [8] User Engagement and Incentives - The platform also promotes user engagement through a points system, where users can earn points by purchasing products or referring friends, which can be redeemed for other benefits [11] - Many users have accumulated significant amounts of JD.com gift cards, raising concerns about the sustainability of the business model [10] Legal and Regulatory Concerns - Legal experts have raised alarms about the platform's operations, suggesting that the model resembles illegal fundraising or Ponzi schemes due to its reliance on user deposits and promises of high returns [12] - The involvement of Zhong An Insurance, which previously held a stake in Bai Bao Jun, has come under scrutiny, with claims that the company has distanced itself from the platform following the crisis [13][14]

Core Viewpoint - The "Baibaokun redemption crisis" has gained significant attention on social media, with users expressing concerns about the inability to redeem their purchased benefits for JD.com gift cards [1][4]. Company Overview - Baibaokun is a health service search engine under Baibao (Shanghai) Technology Co., Ltd., primarily focused on advertising and customer acquisition [1]. - The company has been operational for five years but has recently encountered serious issues [2]. Operational Issues - The original office location was vacated by September, indicating potential operational shutdown [3][5]. - Users in various online groups are reporting difficulties in redeeming their gift cards, with some claiming they have not received the full amount promised [4]. Business Model - Baibaokun's business model involves selling benefit products with high return rates in the form of JD.com gift cards, which has attracted users seeking financial incentives [7][8]. - For example, a product priced at 2,690 yuan offers a return of 500 yuan in gift cards for each of the six installments, effectively providing a free insurance policy along with additional value [7]. User Engagement and Incentives - The platform also offers a points system where users can earn points through purchases and referrals, further incentivizing engagement [10][11]. - Many users have accumulated significant numbers of gift cards, leading to concerns about the platform's ability to fulfill these promises [8]. Legal and Regulatory Concerns - Legal experts suggest that Baibaokun's operations may constitute illegal fundraising or investment fraud due to the characteristics of its business model, which resembles a Ponzi scheme [12]. - The platform's promise of high returns and the structure of its financial operations raise red flags regarding compliance with financial regulations [12]. Corporate Response - Zhong An Insurance, which initially backed Baibaokun, has reportedly transferred all shares of the operating company and claims to be a victim in this situation [14][15]. - The legal implications of this transfer and the responsibilities of Zhong An Insurance in relation to Baibaokun's operations are still under scrutiny [15].

Core Viewpoint - Baibaokun, a health service (insurance) vertical search engine, is facing a public relations crisis due to its failure to deliver promised rewards, leading to speculation about the company's potential exit from the market [1][3][4] Business Model - Baibaokun operates on a model that combines "rights products + JD.com card rewards + points redemption," which has contributed to its current predicament [2][5] - The platform's promotional strategy involved selling insurance-like products with high promised returns in the form of JD.com gift cards, creating a perception of free insurance [5][6] User Complaints - Users have reported that they are no longer receiving the promised JD.com cards after purchasing rights products, leading to widespread dissatisfaction and speculation about the company's stability [3][4][6] - A significant number of users in various online groups are expressing concerns about their inability to redeem the promised rewards, with some suggesting that the platform may have ceased operations [3][6] Company Operations - Investigations revealed that Baibaokun's office had vacated its premises in September, and attempts to contact the company were unsuccessful due to a disconnected phone line [4][6] - The company has not provided updates on its operations since mid-2023, raising further concerns about its viability [10] Legal Implications - Legal experts have indicated that Baibaokun's business model may constitute illegal fundraising or investment fraud due to its characteristics of a Ponzi scheme and the promise of high returns without a legitimate revenue source [8][11] - The platform's practices have raised alarms regarding compliance with financial regulations, particularly concerning the provision of benefits outside of standard insurance contracts [12][13]