2026 年，"十五五"规划启航，保险业继续锚定高质量发展航向。作为重要践行者，保险代理人这一职业告别了粗放式发展，在精英化赛道上深耕细作。专 业的厚度，定义着职业的高度；价值的光芒，照亮着行业的征途。环球网财经策划《保险人・微光成炬》栏目，聚焦优秀保险代理人，通过记录他们进阶的 足迹，解码行业转型的微观样本，绘就一幅属于保险人的精神图谱。 0:00 / 5:21 【环球网保险报道 记者 冯超男】保险，一端筑牢人民健康的防线，一端夯实财富增值的基石。这一领域，民生温度化作一纸纸契约，守护着千家万户，"穿 梭"于市井街巷里的烟火人间 。而保险代理人始终是背后责任承载的坚定托举者。 回顾我国人身险个险渠道三十余年的发展历程，期间行业曾靠"人海战术"驱动业务进入爆发式增长期，2019年代理人数量一度攀升至912万人的历史高点。 然而，粗放式扩张带来后遗症逐渐暴露，靠个险人力拉动保费的模式终究不可持续。近些年，个险渠道从"规模扩张"向"质量提升"转型，经过多年的"清 虚"调整，2024年末代理人数量下降到264万人。 昔日的"推销员"，如今的"风险规划师""财富守护者"，保险代理人角色的蜕变，不仅是身份的更迭，更是一 ...

目前，升级后的"普惠担"与新设立的"普惠保"2项业务已在呼和浩特市各合作金融机构正式运行。 内蒙古日报·草原云记者：李永桃 升级"普惠担"。在前期试点基础上，将普惠金融风险补偿资金池规模从6200万元扩容至1亿元，合作担 保机构由3家拓展至7家，实现全市范围内所有政府性融资担保公司全覆盖，担保费率严控在0.8%以 内；升级后的资金池最高可承担40%的贷款风险，剩余风险由银行机构与担保公司共担，切实分散企业 和金融机构经营风险，提升经营能力。预计2026年风险共担普惠小微贷款规模将达到5亿元，普惠贷款 余额增速将达到10%以上，受益小微、涉农及科创企业达1000家以上。 设立"普惠保"。针对小微企业、个体工商户常见的"抵押物不足、经营不稳定、现金流短缺"等问题，创 新引入商业保险机制，构建起"政银保担"四方协同、风险共担的普惠金融服务体系。通过政府补贴保 费，借助市场化手段，降低和分散企业经营风险，理赔金额最高可达60万元，全力营造金融机构服务小 微主体"敢贷、愿贷、能贷、会贷"的良好氛围。 转自：草原云 记者从呼和浩特市委金融办获悉：1月22日，由该单位和呼和浩特市财政局等7部门共同主办的2026年呼 和浩特 ...

Core Insights - The total claims amount for life insurance companies in 2025 has increased significantly, with four companies exceeding 10 billion yuan in claims [1] - The data reflects not only the payout capabilities of insurance companies but also the health risks faced by different demographics [2] Group 1: Claims Data Overview - China Life Insurance reported over 62.24 million claims totaling over 100.4 billion yuan; Ping An Life paid out 4.958 million claims amounting to 41.51 billion yuan; Taiping Life had 4.243 million claims totaling 20.1 billion yuan; and Xinhua Insurance processed 5.01 million claims totaling 14.7 billion yuan [1] - The trend indicates that commercial insurance has shifted from being a low-frequency rescue tool to a high-frequency payment method for everyday medical expenses [3] Group 2: Medical Insurance Insights - Medical insurance claims are predominantly high-frequency and low-amount, with Taiping Life's medical claims accounting for 94.4% of total claims, and 93% of Taikang Life's claims being medical [3] - The age distribution of medical claims shows that the under-17 demographic accounts for 39.4% of claims, primarily due to respiratory infections and accidental injuries [4] Group 3: Critical Illness Insurance Analysis - Critical illness insurance remains the highest payout category among life insurance companies, with Ping An Life's payouts exceeding 20.86 billion yuan, accounting for over 50% of total claims [5] - The report indicates that male policyholders should be cautious of lung cancer, thyroid cancer, and liver cancer, while female policyholders should focus on thyroid cancer, breast cancer, and lung cancer [5] - The average payout for critical illness claims is notably low, with many claims falling below 300,000 yuan, highlighting a significant gap between average payouts and actual treatment costs [6][7]