Core Insights - The insurance industry is undergoing a transformation driven by AI, with leading companies adopting differentiated AI strategies to build their technological moats [1][4] - By 2025, major insurance institutions are integrating AI into their top-level strategic planning, resulting in unique development paths [1][3] - AI is evolving from a tool for efficiency enhancement to a core driver reshaping industry logic, with a consensus emerging around this viewpoint [1] Company Strategies - China Ping An is implementing an "AI in All" strategy, creating a comprehensive intelligent ecosystem covering finance, healthcare, and elderly care, with 818 million model calls and over 650 application scenarios reported in the first half of 2025 [1] - Sunshine Insurance is advancing its "Technology Sunshine" strategy, focusing on "robotics engineering + data engineering" to drive innovation in sales, service, and management [2] - New China Life is enhancing its digital transformation through "data empowerment, intelligent upgrades, and innovative breakthroughs," deploying a private version of the DeepSeek model [2] - Hongkang Life is integrating AI into core operations and decision-making processes, transitioning from traditional policy sales to a health management and lifestyle service platform [2] AI Applications in Operations - AI is significantly improving efficiency and customer experience across various insurance processes, from marketing to claims services [5][6] - In sales, AI acts as an "intelligent partner" for agents, exemplified by Sunshine Insurance's "life insurance sales robot" that supports agents throughout the sales process [5] - China Ping An has developed a digital underwriting system that achieves a 94% instant approval rate for life insurance policies using AI and big data [6] - Claims services are being upgraded to "speedy and intelligent" levels, with China Ping An's "111 Speedy Claims" service achieving a 58% rapid claims ratio in the first three quarters of 2025 [6] Customer Service Enhancements - AI is enabling "24/7, seamless" service experiences, with Sunshine Insurance piloting "zero transfer" services for customer inquiries [7] - New China Life's "Internet intermediary intelligent assistant" provides online services with over 95% accuracy, while China Ping An's AI service volume exceeded 1.292 billion in the first three quarters of 2025 [7] Technological Foundations - The growth of AI applications is supported by continuous investment in technological infrastructure, data governance, and security measures [8][9] - China Life is among the first to deploy domestic large models, enhancing its capabilities across various business areas [8] - Hongkang Life is building a technology foundation through a hybrid model, ensuring data security and business closure while collaborating with third-party technology firms [9] Industry Outlook - The insurance industry is leveraging AI as a core engine for comprehensive innovation in business processes and models, aiming for more inclusive, efficient, and intelligent services [11] - The ongoing evolution of technology and deepening applications of AI are expected to help insurance institutions overcome development bottlenecks [11]

5月20日，我国第一部专门关于民营经济发展的基础性法律《中华人民共和国民营经济促进法》正式施 行。这部民营经济促进法可谓创下了诸多"第一次"，如第一次将坚持"两个毫不动摇"写入法律，第一次 明确民营经济的法律地位，第一次在法律中规定促进民营经济持续健康高质量发展是国家长期坚持的重 大方针政策…… 乘着政策的东风，依托超大规模市场和完备的产业体系，民营经济持续迸发出活力与信心。近期，作为 保险企业中的民营代表，阳光保险刚刚跨过创业21周年重要节点，其多年来勇于创新变革、对市场保持 高度敏感性、率先推进科技升级、对社会大局持续反哺，这种种都与"敢于挑战、坚韧不拔"的阳光创业 精神一以贯之，展现出民营企业"爱拼才会赢"的精气神，更扛起了民营企业沉甸甸的社会责任，擦亮民 企高质量发展的"金名片"。 事实上，普遍意义上的创新是困难的。阳光保险的很多实践似乎证明，现代意义上的创新，是在高度实 践基础上，为消费者所接受的各种方式、方法和产品的总和。可以说，这样的创新不仅仅是创造新的东 西，而是通过更新和变革，满足社会大众的需求。 阳光保险的创新原点便是如此。多年来，不少人会提出疑问：人的一生究竟需要多少种保障？这个问题 不 ...