Focusing on digital and intelligent transformation, and asset-liability synergy as the main themes, multiple insurance companies outline their development priorities for 2026.

Hot Topics

            Watchlist
Data Center
Market Center
Capital Flow
Simulated Trading
        

        Client

When it comes to stock trading, look to Jin Qilin analysts’ research reports: authoritative, professional, timely, and comprehensive, helping you discover potential thematic opportunities!

Seizing the main line of digital intelligence transformation and asset-liability synergy

Multiple insurance companies outline their key development focuses for 2026

◎ Reporter He Kui

In response to the low-interest-rate market environment, seizing the opportunity of diversified resident asset allocation—“preventing risks and promoting development” remains the main idea for insurance companies in their operations in 2026.

With the convening of 2026 operational work meetings by major insurance companies like China People’s Insurance and China Life, the operational focuses and directions for this year’s insurance companies are emerging, centered around the aforementioned ideas, focusing on serving the real economy, digital transformation, and optimizing asset-liability matching management, so as to better play the role of the insurance industry as an economic stabilizer and social stabilizer. Supporting a good start to the “14th Five-Year Plan” is also a key focus for insurance companies this year.

Strengthening service to the overall situation

2026 is the first year of the “14th Five-Year Plan.” From the operational arrangements of major insurance companies, helping to achieve a good start to the “14th Five-Year Plan” is the top priority for insurance companies.

China People’s Insurance stated: Strengthening service to the overall situation, focusing on service to boost consumption, innovation-driven, opening up, coordinated development, “dual carbon” leadership, and livelihood protection, innovatively leveraging the counter-cyclical adjustment role of insurance to contribute more to the overall economic and social development; accelerating the promotion of high-quality development, constructing a high-quality business portfolio, enhancing high-quality service capabilities, expanding high-quality investments, deepening quality improvement, cost reduction, and efficiency enhancement, managing high-quality market value, and promoting qualitative effective improvement and reasonable quantitative growth.

China Taiping stated, focusing on coordinated development and safety, enhancing core functions of primary responsibilities, honing internal capabilities for quality and efficiency, and promoting strict governance of the Party comprehensively, firmly establishing and practicing the correct view of performance, with “preventing risks, strengthening management, promoting development, and ensuring safety” as the main line, fully promoting the group to achieve new breakthroughs in high-quality development in the first year of the “14th Five-Year Plan,” contributing greater strength to building a strong financial nation and advancing Chinese-style modernization comprehensively.

As the only state-owned reinsurance group, China Reinsurance proposed that in 2026, the group’s operational management work must firmly implement the business philosophy of “developing with scale, underwriting for profit, and investing prudently,” seeking breakthroughs through reform, promoting development through transformation, increasing momentum through innovation, and improving quality and efficiency through management, maintaining and reinforcing the risk prevention line, continuously enhancing operational resilience, striving for a good start to the “14th Five-Year Plan,” and composing a new chapter of high-quality development.

Accelerating the promotion of digital transformation

In recent years, the technological revolution represented by AI is in full swing, and accelerating the integrated development of “insurance + technology” has gradually become a shared consensus among insurance companies to embrace the future and seek new growth drivers. Enhancing digital intelligence capabilities has also become a key aspect of operational work for insurance companies in 2026.

Accelerating the promotion of digital transformation is one of the key tasks for China Life Group’s comprehensive breakthrough of the “333 Strategy.” China Life stated that with technology as support, scenarios as guidance, and value as orientation, coordinating technological innovation with operational upgrades, balancing self-control with open cooperation, forging strengths while addressing weaknesses, coordinating development with safety, focusing on six key elements: data, algorithms, computing power, platforms, ecosystems, and scenarios, accelerating the shaping of a future China Life characterized by comprehensive integration of business technology, agile and transparent operational organization, empowering frontline precision and efficiency, accessible product services, and real-time risk perception across all domains, exploring a China Life solution for digital financial development.

China People’s Insurance stated, strengthening risk prevention and control, improving the comprehensive risk management system, enhancing risk prevention and control in key areas, consistently leading compliance operations, and enhancing the digital intelligence level of risk control.

Coordination and synergy on both sides of assets and liabilities

In 2025, benefiting from the optimization of product structure on the liability side and growth in investment income, insurance companies performed well. In 2026, how to further efficiently coordinate on both sides of assets and liabilities remains the core task for each insurance company in response to the low-interest-rate market environment.

On the liability side, after several years of accelerated “clearing” of life insurance agents, life insurance companies continue to deepen the high-quality transformation of their agent teams, and creating a high-quality agent team is also essential to meet the professional and diverse needs of clients.

Taiping Life stated that it will launch the “Jun Cheng Plan,” accelerate team transformation, strengthen the cultivation of internal support teams, closely follow the pace of business transformation, and promote the external team to transition to “youthful, professional, occupational, and optimized performance,” solidifying the foundation for the company’s long-term development.

The insurance industry continues to optimize asset-liability management. Taiping Asset proposed further developing investment capabilities that align with the characteristics of insurance funds. Everbright Sun Hung Kai Life proposed: focusing on optimizing mechanisms on the liability side and fully transforming channel operations; promoting reforms on the investment side to comprehensively enhance investment levels.

Massive information, precise interpretation, all in the Sina Finance APP