Listing insurance companies in the first half of the year have fallen again, and the quality of quality has gradually improved, and the "increased" plan gradually improves.

The team of listed insurance companies is still gathered. A few days ago, the five major listed insurance companies in A -share have successively disclosed the semi -annual report in 2022. The relevant data disclosed in the annual report shows that the scale of each agent is still continuing the contraction trend. The size of the agents of China's Ping An, China Life, Xinhua Insurance, and China Insurance Insurance's insurance agents have been reduced by 81,200, 74,000, 71,000, and 56,000 compared with the end of 2021. China Tai Insurance compares the average monthly manpower of the month, and the month is from 2021 to 2021. Six months have reduced about 95,000 people.

At the same time as the decline in the scale of labor, the performance and per capita production capacity of various listed insurance companies have shown positive results. From the perspective of transformation, while promoting the empowerment and optimization of the existing team, it has achieved increased optimization. However, the industry also reminds that the increase in the action should not be simply attracted by subsidy policies. It also needs to achieve talent retention in various aspects such as science and technology empowerment and training system construction, forming a long -term virtuous circle that is conducive to the industry.

The scale of the agent continues, and the transformation of the inertia industry team may still go down

The five major listed insurance companies in the first half of 2022 are still on the decline.

One by one, the size of the insurance team of China Life Insurance China Life Insurance is still the first place in the industry. As of the end of June 2022, Chinese Life Insurance Sales Human Human Human Sales Management was 746,000, which was 74,000 compared with the 820,000 people at the end of 2021, and the reduction was 9. %. Among them, the size of the marketing team in the first half of this year was 476,000, and the scale of the team was 270,000.

In the first half of the first half of 2022, Ping An's number of personal life insurance sales agents was 519,100, a decrease of 13.5%from the 60,03,000 people in the end of 2021. In the first half of 2022, China ’s average monthly insurance marketers were 312,000. In the same period last year, 641,000 were reduced, and 95,000 were reduced from the previous month. At the end of the period, insurance marketers were 281,000.

As of the middle of the year, there were 129,100 "big insurance" marketers of the Chinese People's Insurance, a reduction of about 56,000 compared with the 185,900 people at the end of 2021, about 30 %, and a monthly per capita single -term premium of 5,842 yuan for large insurance " . In the first half of the year, the monthly "big insurance" channels of Chinese people's insurance were 28,200 people, and the original insurance premium revenue of personal insurance channels was 31.089 billion yuan, a year -on -year decrease of 9.1%.

In addition, there are Xinhua Insurance Insurance in the first half of the first half of 2022. The scale of the insurance agent in the first half of the year was 318,000, a reduction of 71,000 from the beginning of the year; the average monthly qualified manpower was 61,000, a year -on -year decrease of 41.9%, and the average monthly qualification rate was 17.5%, a year -on -year decline of decline 1.6 percentage points.

The initiative to clear the deficiency is the unified action of insurance companies. In order to improve the per capita capacity and remove unqualified manpower, various insurance companies have raised the benchmark line in the past two years to laid the foundation for business transformation. "Of course, Qingxu's intensity is related to the degree of understanding of the transformation of the agent. Some insurance companies have a resolute attitude, and some companies are symbolic to clear the deficiency." Industry insiders said.

The shrinking of the human scale is the other end that cannot be ignored is passive personnel. "The agent market has high liquidity. In the context of the uncertain economic situation and the shrinking customer demand, the financial market with a certain elastic space is affected by the pessimistic expectations of the market." The analysis of Wei Xiang Blue Whale Insurance pointed out.

After the sharp contraction of the people's market in the 2021, there are many speculations in the industry on the bottom and number of people in the insurance industry. "The transformation of the team has a certain inertia, such as the overall loss of the team caused by the loosening of the organizational structure." Based on the long -term perspective, Si Cunwei proposed that "at present, the insurance companies with the earlier transformation of the team have appeared. The trend rose, but the trend of the overall number of people in the industry has not been significantly reversed. Therefore, under pessimistic expectations, or in mid -2023, the number of agents across the country will gradually rise after about 2 million. "

The per capita capacity and the continuation rate of insurance policies have been shown in the transformation, and the "normal" of insurance companies will increase and recruit people.

Under the shrinkage of human scale, the market is looking forward to seeing quality improvement. Judging from the achievements of listed insurance companies, many data have revealed the results of transformation. In the first half of 2022, the average per capita comprehensive production capacity of Xinhua Insurance was 3840 yuan, an increase of 23.7%year -on -year; China Tai Insurance's core manpower per capita insurance business revenue was 32,331 yuan, an increase of 23.5%year -on -year; 26.9%, the 13 -month policy continued rate increased by 4.1 percentage points year -on -year.

And the real transformation success is obviously not yet reached the end. "The transformation of the agent team is essentially to change the cage and change the birds. While clearing the low -efficiency production capacity, it is also necessary to establish an efficient team." On the basis of the existing team's transformation and transformation, the establishment of a new team. "Provide an end point for business development to ensure that risks are controllable."

On the one hand, for the current team transformation, various institutions are still exploring and empowerment. For example, China Life has launched a special quality and quality project for the "Zhongxin Plan" to accelerate the transformation of the team to professionalization and professionalization; upgrade the sales team management measures to strengthen business quality management; Digital platforms such as Yixue and intelligent training systems have strengthened online training and risk compliance education.

Taibao Life Insurance accelerated the promotion of the "Sanhua and Five Most" professional marketing transformation in the first half of 2022. "Sanhua" is professionalization, professionalization, and digitalization. "Five most" refers to the richer income space, the most powerful entrepreneurial platform, the warmest Taibao service, the most professional growth system, and the most comfortable working environment. Among them, in terms of professionalization, we will strengthen the "core" basic law, promote the construction of excellent performance, optimize the recruitment system process, and accelerate the upgrading of professional marketing workplace. On the other hand, the increase is one of the most common actions of insurance companies. For example, the implementation of the "Excellent+" increase of Ping An Life Insurance to upgrade the membership, and gradually increase the proportion of high -quality newcomers. In the first half of 2022, the proportion of newcomers "excellent+" increased by 9 percentage points year -on -year; Sales support to increase the revenue of the new team; Xinhua promoted the implementation of the "Excellent Plan" in the first half of this year and the construction of "younger, professional, and urbanization" marketing team.

For another example, in the near future, AIA Life has released the "AIA's Middle and High -end Talent Recruitment Plan". By recruiting high standards and exclusive training, combined with digital platforms, high -level, high -income marketers are created; everyone's life "Xinghe Plan" is recruited for the whole country. The agent of high -quality whiteboard proposes to jointly build an independent agent with the characteristics of "professionalism, professionalization, and digitalization".

However, around the increase, Si Cunwei also reminded, "Insurance companies should be optimized, we must not simply attract preferential policies, compete with each other, and increase layers. The policy attracts talents, resulting in a batch of 'insurance cockroaches', and the "eat' complete one allowance to change the family."

"The core of increasedness is to retain talents, and insurance companies need to strengthen their ability to empower the team, such as the creation of the training system, strong logistics support, high -tech level, sustainable subsidy policy, etc.", one, etc. ", one", one, etc. ", one", one, etc. " The relevant person in charge of Life Insurance Company analyzed the blue whale insurance.

In addition, it is worth mentioning that many insurance companies are currently competing for the Gaochang market, focusing on the elite line, focusing on high -value businesses. Some people in the industry, like blue whale insurance, proposed that "the establishment of an elite agent team in insurance companies is actually a passive transformation in response to market changes, and it is also an inevitable direction for the entire industry. The company's individual insurance channels can be satisfied by products with low sales premiums. "

"Focusing on the high -end market is worth advocating, but it is also necessary to prevent everyone from being embraced. The insurance demand of middle -end customers should not be ignored, but to make a more comprehensive and diversified extension based on demand." The existing team of the insurance company provides the starting point of transformation, such as the combination of medical care and insurance, starting with medical care, talking about life planning, and triggering user insurance needs. "

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