Have you ever encountered a scenario where you are scrolling through a short video and suddenly an insurance sales advertisement pops up; Just immersed in the plot of a mobile novel, interrupted by the sudden appearance of an insurance product introduction video? Against the backdrop of rapid expansion of social media and diverse information channels, insurance products are no longer unfamiliar to most consumers and even subtly influence their decision-making. On May 7, Yuanbao Group and the China Insurance and Pension Finance Research Center of Wudaokou School of Finance, Tsinghua University jointly released the 2025 China Internet Insurance Consumer Insight Report (hereinafter referred to as the "Report"), which revealed the new trend of the iteration of consumer touch mode.

The Report points out that in 2025, the online channels of traditional insurance companies will account for 63% of the purchase channels of insurance products for Internet insurance consumers, ranking first, which marks that the online channels of traditional insurance companies will surpass their offline channels for the first time and become the first entry for consumers to purchase insurance. The core factor that pulls consumers from the agent's side to the screen is AI (artificial intelligence) technology. According to the Report, 2025 Internet insurance consumer survey data shows that more than 40% of consumers will use AI tools to compare insurance products before purchasing insurance, and more than 50% of consumers will use AI recommended products as one of the reference information sources.

At the same time, the iteration of the insurance outreach model has become an undeniable factor. According to research data in 2025, about 40% of consumers will learn about insurance information through social media and short video apps, ranking second only to those around them. This indicates that social media and short video platforms have become the core channels for consumers to obtain insurance information. From the perspective of demographic differences, consumers of different age groups show significant differentiation in their preferences for insurance information acquisition channels: the elderly population aged 60 and above trust the insurance content conveyed by those around them more; The young group aged 20 to 30 mainly rely on social media to obtain insurance information; And short video platforms are the universal information channels that cover all age groups and have the highest audience acceptance.

This trend of information transparency driven by technology has directly catalyzed consumers' "rational return", and purchasing insurance is no longer a "one size fits all" consumption. The report found that consumers' motivation to purchase insurance is shifting from "passive triggering" to "active planning". The three major factors that trigger consumers to purchase insurance are increased risk awareness, changes in their own/family's health status, and increased family responsibilities.

Former Deputy Secretary of the Party Committee and Vice Chairman of the China Insurance Regulatory Commission, Zhou Yanli, stated at the "Report" press conference that the technological dividends of intelligent transformation are truly benefiting users. The service threshold of Internet insurance has been greatly reduced. Complex terms are explained through AI, and cumbersome insurance procedures are completed through AI guidance with one click; The high service costs have been diluted by technology, making the true implementation of inclusive insurance possible.