| Want to focus on regular premium and protection products, but hard to change old habits |
| Severe agent attrition, difficult recruitment, low retention, low productivity |
| Want to recruit highly educated, high-quality agents, but lack attractiveness |
| High proportion of single-premium bancassurance, regular premium and protection products hard to promote |
| Want to develop health insurance but lack medical resources, high claim rates |
| Pension products lack attractiveness, retirement communities require large investment with slow returns |
| Rough customer tagging, low cross-selling conversion rates |
| Assessment emphasizes scale over value, long-termism hard to implement |
| Low manual processing efficiency, automation level behind peers |
| Want to acquire small and medium insurers, but integration is difficult |