政策市场双驱动：三十载积淀，推出财富管理焕新力作 在利率下调，人口老龄化进程加速的大环境下，家庭财产该如何实现有效配置，已成为当前居民的热门话 题。消费者对专业化、长期化财富管理服务的需求不断升温，希望通过安全稳健的金融产品为个人和家庭的幸福 生活提供长期财务支撑。 从供给端看，政策层面持续为保险行业指明方向，国务院《关于加强监管防范风险推动保险业高质量发展的 若干意见》（"新国十条"）明确提出"满足人民群众多样化养老保障和跨期财务规划需求，支持浮动收益型保险发 展"，推动行业从单一风险保障向"养老规划+健康管理+资产配置"综合服务转型。 在政策与市场的双重驱动下，深耕行业三十年的新华保险凭借深厚积淀成为"分红险"创新发展的核心参与 者。2000年推出第一款保额分红产品，2001年推出国内第一款分红重疾险，长期以来，新华保险不仅为客户提供 优质的定制化风险管理计划，还凭借专业的投资能力为客户的收益稳定性提供坚实支撑。值此三十年司庆，新华 保险回归初心，整合政策红利、市场需求与自身经营优势，隆重推出盛世荣耀庆典版终身寿险（分红型）（以下 简称"盛世荣耀庆典版"），助力消费者实现人生财富的科学配置。 产品核心价值 ...

在风景如画的宜兴，金风送爽的十月，新华保险第22届全渠道高峰会盛大启幕。近千名来自五大 渠道的"专业铁军"齐聚一堂，共同见证属于新华人的荣耀时刻。这不仅是一场表彰先进的盛会， 更是一场战略成果的集中展示：九大前瞻性成果发布，涵盖产品、培训、医康养、服务、科技等 多个领域，勾勒出新华保险未来发展的清晰蓝图。 与此同时，新华保险2 0 2 5年三季报也在同一时间公布：营业收入同比增长2 8 . 3%，归母净利 润同比增长5 8 . 9%，新业务价值同比大幅增长5 0 . 8%，总资产突破1 . 8万亿元，亮眼的数据与 高峰会的荣耀交相辉映。 在行业深度转型的背景下，寿险业正经历从"卖保单"到"经营客户全生命周期"的模式重塑。 监管层推动个人营销体制改革，人口老龄化与客户需求升级叠加，寿险公司必须在产品、服 务、科技、生态等多维度同时发力。新华保险的答案是清晰的：以客户为中心、以队伍为根 本、以员工为伙伴；以"五个一流"为目标，全面推进体系化、专业化、市场化改革。宜兴高 峰会与三季报的同频共振，正是这一经营逻辑的生动体现。 荣耀的舞台背后，是对"铁军"的深情厚望；亮眼的数据背后，是改革落地的坚实支撑。新华 保 险 ...

Core Insights - The 22nd All-Channel Summit of Xinhua Insurance showcased nine forward-looking achievements across various fields, outlining a clear blueprint for the company's future development [1][3] - Xinhua Insurance's Q3 2025 report revealed significant growth, with operating income increasing by 28.3% year-on-year, net profit attributable to shareholders rising by 58.9%, and new business value soaring by 50.8% [3][8] - The insurance industry is undergoing a transformation from "selling policies" to "managing the entire customer lifecycle," necessitating multi-dimensional efforts in products, services, technology, and ecosystem [3][10] Group 1: Marketing and Team Development - Xinhua Insurance has implemented deep reforms in its marketing system, recognizing nearly a thousand representatives from five major channels at the summit, highlighting the success of its professionalization and market-oriented reforms [4][6] - The "XIN Generation" plan initiated in 2024 focuses on upgrading agents from "product salespeople" to "customer lifecycle planners," with a 140% year-on-year increase in new personnel in the individual insurance channel [4][8] - The company aims to build a first-class financial service group, emphasizing quality over quantity in its agent recruitment and retention strategies [6][15] Group 2: Product and Service Innovation - Xinhua Insurance is enhancing its product and service systems, focusing on areas such as elderly care, wealth management, and health services, to create a comprehensive service ecosystem [11][14] - The launch of the "Xinhua Excellent Series" brands aims to provide a multi-faceted customer service matrix, enhancing customer engagement and loyalty [13][15] - The company is transitioning its product strategy towards a "guaranteed + floating" return model for participating insurance products, responding to regulatory changes and market demands [11][14] Group 3: Financial Performance and Investment Strategy - Xinhua Insurance reported a total asset value exceeding 1.8 trillion yuan, with an annualized total investment return rate of 8.6% and a comprehensive investment return rate of 6.7% for the first three quarters [3][17] - The company actively participates in pilot funds and invests in high-quality companies and sectors such as health and elderly care, leveraging its investment strength to support its product transformation [17][18] - The integration of asset and liability management enhances the company's commitment to long-term promises, providing confidence for its sales teams [17][18] Group 4: Technology and Digital Transformation - Xinhua Insurance is embracing AI and digital transformation, implementing an AI+ strategy to enhance operational efficiency and customer service [16][18] - The launch of the "XIN Intelligent" digital marketing platform aims to streamline various systems and improve customer targeting and service delivery [16][18] - The company's focus on technology aims to support its agents and improve overall business performance in a rapidly changing insurance landscape [16][18]

Core Viewpoint - The professionalization and specialization of the agent workforce is a core proposition for the high-quality development of the life insurance industry in China, with Xinhua Insurance demonstrating significant reform achievements and growth momentum through its "XIN Generation" initiative [1][2]. Financial Performance - As of September 30, Xinhua Insurance reported operating income of 137.25 billion yuan, a year-on-year increase of 28.3%, and a net profit attributable to shareholders of 32.86 billion yuan, up 58.9%. The annualized comprehensive investment return rate was 6.7%, and total assets exceeded 1.8 trillion yuan, an increase of 8.3% from the end of the previous year [1]. Agent Workforce Transformation - The "XIN Generation" plan initiated in July 2024 aims to systematically restructure the professional positioning of agents, shifting from a focus on scale to performance excellence, and upgrading agents to "lifetime planners" for clients [2]. - Since the implementation of the "XIN Generation" plan, Xinhua Insurance has seen a significant improvement in agent quality and performance metrics, with over 30,000 new individual insurance agents added in the first three quarters of the year, a year-on-year increase of over 140% [2]. Marketing and Service Strategy - The insurance industry is undergoing a profound transformation driven by demographic changes, evolving customer demands, and stricter regulations, necessitating a shift from traditional marketing models [2]. - Xinhua Insurance's marketing reform focuses on creating a customer-centric and demand-driven system, with the "XIN Generation" initiative serving as a breakthrough in this transformation [1][2]. Ecosystem Development - The integration of "insurance + service + ecosystem" is becoming a key support for navigating the industry cycle, with a focus on creating comprehensive solutions rather than just risk management tools [4][6]. - Xinhua Insurance has developed a "ten ecological matrix" that enhances customer engagement and creates stable cash flow, with recent expansions in quality cooperative health communities [5][6]. Multi-Channel Growth - The strategic integration of products, services, and ecosystems has laid a solid foundation for value growth, with significant increases in new business value and premium income across various channels [7][8]. - In the first three quarters, Xinhua Insurance's individual insurance channel achieved a first-year premium income of 18.44 billion yuan, a year-on-year increase of 48.5% [8]. Reform Achievements - The release of nine major development achievements at the 22nd All-Channel Summit indicates that Xinhua Insurance's agent transformation is entering a phase of comprehensive implementation [9][10]. - These achievements include the establishment of a comprehensive product system, training framework, and service ecosystem, aimed at enhancing the overall quality and efficiency of the agent workforce [10][11].