当人工智能的浪潮以不可阻挡之势席卷各行各业，金融领域正经历着一场前所未有的底层逻辑重构。 从智能投顾重塑财富管理模式，到风控模型革新信贷审批流程，AI技术不再是实验室里的概念，而是实实在在改写行业规则的核心力量。 在这场变革中，保险行业作为数据密集型、服务精细化的代表领域，更是成为 AI 技术深度渗透的前沿阵地。麦肯锡认为，生成式AI能为保险业带来700 亿美元生产力。 正如阳光保险集团此前所提到，AI已经不仅是一个技术，这是一个时代的到来，它正在对金融保险业带来深刻的重塑性的变革。 阳光保险，这家刚刚跨越成立20周年节点的中生代险企，并未缺席这场技术革命。 （来源：艾瑞咨询） 刚刚公布的2025年中期业绩数据某种程度上是对其技术创新的外化表现。业绩公告显示，2025年上半年，阳光保险实现实现总保费收入808.14亿元，同 比增长5.7%；归属于母公司股东的净利润33.89亿元，同比增长7.8%。 尽管各家险企均在大力推动AI技术与保险行业融合，但部分险企仍停留在碎片化的工具应用阶段，将AI视作优化单一流程的辅助手段，未能触及业务运 行的核心逻辑。 从早期对智能算法的探索应用，到如今建设全链条AI赋能体系，这 ...

Core Viewpoint - Sunshine Insurance Group has demonstrated robust growth in its diversified business segments, leveraging technological innovation and a prudent investment strategy to enhance its performance in life insurance, property insurance, technology, and investment sectors in the first half of 2025 [1]. Overall Performance - Total assets exceeded 600 billion yuan, reaching 625.6 billion yuan, a 7.5% increase from the end of the previous year [2][3]. - Total premium income for the first half of 2025 was 808.1 billion yuan, a year-on-year growth of 5.7%, while insurance service income was 324.4 billion yuan, up 3.0% [2]. - Net profit attributable to shareholders was 33.9 billion yuan, reflecting a 7.8% increase, with a weighted average return on equity of 5.7%, up 0.5 percentage points [2]. Life Insurance Segment - Sunshine Life Insurance achieved total premium income of 554.4 billion yuan, a 7.1% increase, with new business value rising by 47.3% to 40.1 billion yuan [4][5]. - The internal value at the end of June 2025 was 1,062.0 billion yuan, a 13.8% increase from the beginning of the year [5]. - The individual insurance business saw a premium income of 153.4 billion yuan, growing 12.1%, with new single premium income of 34.4 billion yuan [6]. Property Insurance Segment - Sunshine Property Insurance reported original insurance premium income of 252.7 billion yuan, a 2.5% increase, with non-auto insurance premiums rising to 50.6% of total premiums [8][9]. - The combined underwriting cost ratio improved to 98.8%, resulting in an underwriting profit of 2.9 billion yuan, a 42.4% increase [9]. Technology Segment - The company has enhanced its AI capabilities, improving efficiency across sales, service, and management processes [12]. - The upgraded "All-in-One Insurance" app has introduced AI-driven features for automated quote generation, significantly increasing operational efficiency [12][13]. Investment Segment - Total investment assets reached 591.9 billion yuan, a 7.9% increase, with net investment income of 97.9 billion yuan, up 9.4% [14][16]. - The total investment income was 107.0 billion yuan, reflecting a 28.5% year-on-year growth, with an annualized net investment return of 3.8% [16][17]. Future Outlook - The company anticipates further growth in the insurance sector driven by economic stability, wealth accumulation, and an aging population, while continuing to focus on high-quality development and customer-centric strategies [18].