您的当前位置：首页 > 行业数据 > 图表59平安人寿每年新增保单中各年龄段占比（2019年）

图表59平安人寿每年新增保单中各年龄段占比（2019年）

行业数据

下载图片

原图定位

同报告图片

/ 4

fCDml7bpl7QgICAgICAgfCDmlL/nrZbmlofku7YgICAgICAgICAgICAgICAgICAgICAgICAgICAgfCDnm7jlhbPmjIflvJUgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgIHwKfC0tLS0tLS0tLS0tLXwtLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLXwtLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS18CnwgMjAxOeW5tDEx5pyIIHwg44CK5YGl5bq35L+d6Zmp566h55CG5Yqe5rOV44CL5L+u6K6i54mIICAgICAgICAgICB8IOaWsOWinuWBpeW6t+euoeeQhuacjeWKoeS4juWQiOS9nOeroOiKgu+8jOm8k+WKseS/nemZqeWFrOWPuOS4uueUqOaIt+aJk+mAoOS4quaAp+WMluWBpeW6t+euoeeQhuacjeWKoe+8jOS/g+i/m+WQiOeQhuWumuS7t+S4juaOp+i0ueOAguWFtuS4reesrDU35p2h6KeE5a6a77yM5YGl5bq35L+d6Zmp5Lqn5ZOB5o+Q5L6b5YGl5bq3566h55CG5pyN5Yqh55qE77yM5YW25YiG5pGK5oiQ5pys5LiN5b6X6LaF6L+H5YeA5L+d6Zmp6LS555qEMjAl44CCIHwKfCAyMDIw5bm0OeaciCAgfCDjgIrlhbPkuo7op4TojIPkv53pmanlhazlj7jlgaXlurfnrqHnkIbmnI3liqHnmoTpgJrnn6XjgIsgfCDkuLvopoHlhoXlrrnljIXmi6zlm5vkuKrmlrnpnaLvvIzliIbliKvmmK/vvJrmmI7noa7lgaXlurfnrqHnkIbmnI3liqHnmoTmpoLlv7Xlkoznm67nmoTvvIzmj5Dlh7rlgaXlurfnrqHnkIbmnI3liqHlupTpgbXlvqrnmoTljp/liJnlkozopoHmsYLvvJvlrozlloTlgaXlurfnrqHnkIbmnI3liqHnmoTov5DooYzop4TliJnvvJvlvLrljJblgaXlurfnrqHnkIbmnI3liqHnmoTnm5HnnaPnrqHnkIbjgIIgICAgICAgICAgICAgICB8CnwgMjAyMOW5tDEy5pyIIHwg44CK5L+d6Zmp5py65p6E5YGl5bq3566h55CG5pyN5Yqh5oyH5byV56ysMemDqOWIhu+8muaAu+WImeOAiyB8IOmAgueUqOS6juS/nemZqeihjOS4muWvueWBpeW6t+euoeeQhuacjeWKoeS9k+ezu+eahOinhOWIkuWSjOiuvuiuoeS9v+eUqO+8jOS5n+WPr+S4uuebuOWFs+WBpeW6t+acjeWKoeWVhuWSjOesrOS4ieaWueacjeWKoeacuuaehOiuvuiuoeWSjOW7uuiuvumdouWQkeS/nemZqeihjOS4mueahOWBpeW6t+acjeWKoeaPkOS+m+S+neaNruS4jumBteW+quOAgiAgICAgICAgICAgICAgICAgICAgICAgICAgICAgfAp8IDIwMjDlubQxMuaciCB8IOOAiuS/nemZqeacuuaehOWBpeW6t+euoeeQhuacjeWKoeaMh+W8leesrDLpg6jliIbvvJrmnI3liqHlhoXlrrnjgIsgfCDop4Tlrprkuobkv53pmanmnLrmnoTmj5DkvpvnmoTlgaXlurfnrqHnkIbmnI3liqHkuqflk4HpnIDljIXmi6znmoTln7rnoYDmnoTmiJDmiJDliIbvvIzku6Xlj4rlj6/ku6Xkvb/nlKjnmoTmnI3liqHmlrnlvI/vvIznlKjigJznn6npmLXmqKHlnZfliIbnsbvms5XigJ3mnaXliLblrprjgIHliIbop6PjgIHop4TojIPlkozor4Tku7flgaXlurfnrqHnkIbmnI3liqHjgIIgICAgICAgICAgICAgICAgICAgICAgICAgICB8CnwgMjAyMOW5tDEy5pyIIHwg44CK5L+d6Zmp5py65p6E5YGl5bq3566h55CG5pyN5Yqh5oyH5byV56ysM+mDqOWIhu+8mumrmOmjjumZqeWIhuexu+OAiyB8IOinhOWumuS6humrmOmjjumZqeS6uue+pOeahOmAieaLqeS+neaNruOAgemAieaLqeaWueazleWSjOmjjumZqeWIhuexu+aWueazle+8jOinhOiMg+WuouaIt+WBpeW6t+mjjumZqeWIhuexu+aWueazleOAgiAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgIHwKfCAyMDIw5bm0MTLmnIggfCDjgIrkv53pmanmnLrmnoTlgaXlurfnrqHnkIbmnI3liqHmjIflvJXnrKw06YOo5YiG77ya5pa55qGI6K6+572u44CLIHwg6KeE5a6a5LqG5L+d6Zmp6KGM5Lia5Zyo6K6+572u5YGl5bq3566h55CG5pyN5Yqh5pa55qGI5pe255qE6K6+572u5Y6f5YiZ44CB5pa55qGI55qE6KaB57Sg44CB6K6+572u5pa55rOV44CB5YaF5a656YCJ5oup77yM5Li65L+d6Zmp5py65p6E5Lul5Y+K5pyN5Yqh5ZWG5YGl5bq3566h55CG5pyN5Yqh5pa55qGI55qE6K6+572u5o+Q5L6b5L6d5o2u44CCICAgICAgICAgICAgICAgICAgICAgICAgICAgICB8CgrotYTmlpnmnaXmupDvvJrkuK3lm73mlL/lupznvZHvvIzpk7bkv53nm5HkvJrvvIzkuK3lm73kv53pmanooYzkuJrljY/kvJrvvIzljY7liJvor4HliLjmlbTnkIY=

所属报告：

保险行业深度研究报告：人身险产品改革方向展望结构优化顺势而为健康管理顺风而起-220802（45页）.pdf

打包全文图表

疫情影响更是加剧了居民收入不确定性，叠加消费客群结构变迁，人情保单销售难度显著增加。2020 年起新冠肺炎疫情的持续冲击和影响远超预期，居民消费需求持续被压制，根据西南财经大学《疫情下中国家庭财富变动趋势—（2020Q1）》显示，超五成金融资产或年收入 5 万及以下的家庭报告其财富减少，不同收入组家庭都调整储蓄、消费计划，尤其是低收入家庭显著增加储蓄减少消费。疫情带来的不确定性下，居民的消费和投资的能力、意愿下降，而保险本身作为逆人性产品，本质上是用现在的钱覆盖未来不确定的风险，在一定程度上属于非必需品。赔付的滞后性及不确定性使得消费者对保险产品的获得感较低，态度也更趋于谨慎。另一方面随着人口结构变迁，80 后乃至 90 后逐渐成为重疾险的主要消费人群，根据 2020 年平安人寿与复旦大学保险科技实验室、中国保险与社会安全研究中心、中国银行保险报发布的《城市新中产保险消费生态报告》显示，在 2010-2019 年间平安各年龄段的新增保单中，80、90 后的保险购买比例呈上升趋势，在 2019 年更是达到当年新增保单的近半数。具体以平安人寿主力重疾产品“平安福”的保单数据作为观测对象， 80、90 后投保“平安福”合计占比 72%，成为“平安福”消费主力，重疾险客户日益年轻化。80、90 后群体伴随着互联网成长，相较于长辈有更充分的信息获取渠道，也更容易以自主学习的方式了解、比较和购买保险产品。因此，重疾险基于传统人力驱动的“人情保单”销售模式效果明显下降。

行业数据原图定位