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Company Profile

Driven by our cutting-edge digital technologies and professional expertise in the insurance industry, we are the leading independent insurance intermediary group in China, focusing on providing insurance-oriented family asset allocation services that covers customers’ full lifecycle and one-stop service platform for individual sales agents and independent insurance intermediaries.

With strategic focus on long-term life insurance products, we offer a broad range of insurance product offerings primarily through a network of 141,088 registered sales agents across China as of December 31, 2022. We also provide claims adjusting services through 2,170 in-house claims adjustors. Our extensive offline network enable us to facilitate sales of complex insurance products and offer reliable after-sales services nationwide to our customers, serving as a substantial entry barrier to China’s insurance agency industry.

We are devoted to offering all the capabilities that our sales agents need to help them run their best practice. Specifically, we provide a professional support system to empower agents to grow more specialized and professional. Our self-developed digital tools such as Lan Zhanggui, Fanhua RONS Digital Operating Platform (DOP) and Fanhua Guanjia, offer end-to-end business process management, as well data and analytic capabilities to enable our agents to manage all critical aspects of their business more efficiently, and to improve their productivity and service capability.

We also operate Baowang (www.baoxian.com), an online insurance platform that provides customers with a one-stop insurance shopping experience from policy comparison, live consultation, policy placement, to claims settlement. A variety of critical illness, term life, accident, medical, travel and homeowner insurance products are available on the platform.

Since late 2021, to diversify our service offerings to our customers, we start to offer insurance trust consulting/referral service through our business partners, and healthcare and elderly care services through our healthcare management division.

Our vision is to transform from a solely sales-oriented insurance agency to become an industry-level infrastructure platform provider driven by digital technology and professional expertise. We intend to build an open platform to enable various users on the platform, including independent insurance agents and insurance sales organizations, to run the most successful businesses, by offering them a unified compliance service, IT system, digital solutions, diversified product and service offerings, professional training support, capital flow support and capitalization paths.

With a rapidly aging society and the rise of the middle-class in China, there is burgeoning demand for elderly care and legacy management among Chinese consumers which provides tremendous growth opportunities in China’s life insurance market over the long run despite industry headwinds in recent years. In addition, the separation of insurance underwriting and distribution is a significant trend in China’s insurance industry. Historically dominated by in-house sales forces and exclusive agents, insurance distribution channels in China have gradually shifted towards independent insurance agencies, as demand for insurance products and services has diversified in recent years, while China’s life insurance intermediary channel is experiencing structural changes towards professionalization, digitalization, decentralization and comprehensive financial services. With strong brand recognition, established relationships with major insurance companies, an extensive distribution and sales network and cutting-edge technology, we intend to take advantage of the opportunities resulting from the growth and transformation of the insurance agency industry in China to increase our market share by professionalizing our sales force, enhancing digital capabilities and opening up our platform to more market participations.

Digital Technologies

Technological developments and the growth of digital technologies mobile internet access have significantly changed the way we operate our business. We develop digital toolkits to enable more efficient agent and customer engagement which includes the following:

 

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Lan Zhanggui - an all-in-one insurance sales and service platform that we develop for our sales agents, which allows them to manage their book of insurance business on their fingertips, covering all aspects of the business process from insurance product purchase, team management, agent recruitment, customer engagement, customer service to e-learning. The platform offers substantially all of our insurance products including long-term life and health insurance, accident insurance, travel insurance, and standard medical insurance products. It is available in mobile application and WeChat official account versions and accessible through Fanhua WeCom.

 

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Fanhua RONS Assistant Digital Operating Platform, or RONS DOP —it is a digital marketing platform that we launched in June 2021 for our agents, aiming at empowering them in customer acquisition and relationship maintenance. It provides agents with various educational content in the form of daily news, articles, posters, videos which can be circulated to potential customers through social media, aiming at enhancing customers’ insurance awareness and deepening their understanding of insurance products. It also enables agents to gain better insights into customer needs through behavior tracking and automated tagging. In addition, it provides convenient access to Fanhua RONS livestreaming platform for resourceful online training courses. The platform is accessible through WeChat public account and Fanhua’s Lan Zhanggui and WeCom.

 

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Fanhua RONS Guanjia –– it is a customer service platform that we launched in June 2021 to directly connect with our customers, through which they can access various insurance services including policy inquiry, policy custody, asset custody, risk assessment, and claims settlement assistance. Service representatives will also be available to customers for exclusive services on a one-on-one basis. The platform is accessible primarily through its WeChat official account and Lan Zhanggui.

 

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Fanhua WeCom – Launched in June 2021, other than various office supporting solutions, it enables our agents to directly interact with their existing and potential customers in highly efficient manner, with easy access to various supportive tools including knowledge bank, FAQ scripts, and a wide variety of marketing materials.

As of March 31, 2023, we, through Fanhua Group Company and contractual arrangements, controlled thirteen insurance intermediary companies in the PRC, of which nine were insurance agencies including two with national operating licenses, two were insurance brokerage firms and two were insurance claims adjusting firms. We also operated one e-commerce insurance platform, one healthcare management company one online mutual aid platform. In addition, as of March 31, 2023, we owned 4.5% of the equity interests in Puyi Inc. (NASDAQ: PUYI), a leading third-party wealth management services provider focusing on mass affluent and emerging middle-class population.