2024年信美相互人寿对外发布自研保险垂直大模型应用Chat-Trust3.0，该应用攻克意图识别难题，思考逻辑"白盒化"，实 现问答准确率超90%，定向产品AI（人工智能）小助手综合准确率达98%，为会员提供了智能化的端到端服务体验。此外，AI 核保实现7*24小时高效支持，智能客服全年服务6.4万人次，机器人替代率达84%。 （编辑 李波） 本报讯 （记者冷翠华）信美人寿相互保险社（以下简称"信美相互人寿"）近日发布的2024年报显示，公司已连续五年实现 盈利，2024年总投资收益率达4.41%。截至2024年底，信美相互人寿资产总额为548.46亿元，会员总人数超过十万人。 2024年年报显示，信美相互人寿坚定战略，主动控制规模并优化业务结构。健康险产品占比达60%，覆盖从少儿到银发群 体的多元化需求；推出中端医疗险，多项创新举措，解决家庭就医综合难题；持续通过互联网平台提供轻保障的普惠型健康险 产品，助力填补特定人群健康保障缺口；在养老保障方面，推出多款灵活年金险和终身寿险产品，为会员提供个性化的养老解 决方案。 2024年，信美相互人寿持续升级会员服务体系，细化会员层级，新增多项先进医疗健康服务。在 ...

Core Viewpoint - Yuanbao, an insurtech company, successfully went public on NASDAQ under the ticker "YB," raising $34.5 million through the issuance of 2.3 million shares at an IPO price of $15 per American Depositary Share (ADS) [1] Group 1: Company Overview - Yuanbao was founded in 2019 and leverages an "AI + insurance" model to enhance efficiency and user experience in insurance sales and claims processes [1] - The company has developed nearly 4,700 AI models by the end of 2024, covering various dimensions such as users, media, and products, which support multiple scenarios from user targeting to after-sales service [3][5] - Yuanbao's employee structure is heavily focused on technology, with 69.2% of its 497 employees in research and development [4] Group 2: Market Position - Yuanbao has become the second-largest distributor in China's life insurance market based on first-year premiums, and the largest independent distributor when excluding large internet company-affiliated distributors [5] - The company targets a broader market by providing inclusive health insurance products, significantly lowering the barriers for users to obtain coverage [9] Group 3: Financial Performance - Yuanbao reported revenues of 2.045 billion yuan in 2023 and 3.285 billion yuan in 2024, with a notable turnaround from a net loss of 333 million yuan in 2023 to a net profit of 436 million yuan in 2024 [7] - The company's revenue in Q4 2024 grew by 63% year-on-year, reaching 889 million yuan [7] Group 4: Leadership and Support - The founder and CEO, Fang Rui, has extensive experience in fintech and e-commerce, previously serving as Vice President at NetEase [9] - Yuanbao's strong shareholder base includes prominent investment firms such as Shanhang Capital and Northern Light Venture Capital, providing solid financial and resource support for its growth [9]