I read the message on the weekend and found a lot of questions about insurance and$PING AN(02318)$  Ping An.HK$HSI(HSI)$  $TENCENT(00700)$  $Nasdaq100 Bull 3X ETF(TQQQ)$  $Nasdaq100 Bear 3X ETF(SQQQ)$  

I will reply today:

(1) About the premium in January. In fact, this problem is very easy. The good start of insurance was usually started in November every year, and December and January are the benefits of premium benefits. This year, a few top insurance companies started selling products in September 2023, and the other companies also started in October, and the start time was earlier than in previous years, and January was not so prosperous;

(2) In terms of the increase of staff that everyone cares about, I heard that there are onboarding insurance for education in the past few years. 

This year's Spring Festival exchange with people around me found that the real estate, foreign trade, and Internet industries are all in the protection of representatives. The performance of my Shenyang and the people around me will not affect the total number of insurance substitutes, but this trend in the country may exist in many places;

(3) The voice of high dividends has increased recently. The purpose of increasing the dividends of stocks is to introduce long-term investors, of which insurance capital is the largest and the longest holding cycle.

Among the new contract guidelines implemented last year, the FVTOCI classification ratio has been increased a lot, and the insurance capital itself has the demand to increase the allocation of high-dividend stocks, so this wave of high dividend rises is not a treeless tree. The more bleak performance of various insurance companies in 23 years, the better this year's expectations will be; 

The debt side is more promising. In this regard, the reform of insurance generation and channel reform is beneficial, but the key is that the improvement of product strength stimulates customers' desire to buy, so that the policy looks more cost-effective. In the past, top insurance companies such as Ping An mainly provided online rights and interests. According to personal observations, the application rate of customer groups should not be high. Since this year, more offline institutions of Ping An Medical Care will be implemented. It is worth looking forward to with new products launched with offline rights and interests.

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