Seize Digital Intelligence Transformation and Assets-Liability Synergy as Main Themes; Multiple Insurance Companies Chart 2026 Development Priorities

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Focus on Digital Intelligence Transformation and Asset-Liability Coordination as Main Themes

Several insurance companies outline development priorities for 2026

◎ Reporter He Kui

While responding to the low-interest-rate market environment, seizing the opportunity of residents’ diversified asset allocation—“risk prevention, promoting development”—remains the main strategy for insurance companies’ operations in 2026.

With the annual operational meetings of major insurers like PICC and China Life held, the key focus and strategic directions for this year’s operations have become clear. They revolve around supporting the real economy, digital transformation, and optimizing asset-liability management, aiming to better serve as economic shock absorbers and social stabilizers. Supporting a good start for the “14th Five-Year Plan” is also a key focus for insurers this year.

Enhancing Service to the Overall Economy

2026 marks the beginning of the “14th Five-Year Plan.” From the operational arrangements of major insurers, supporting a strong start to the plan is a top priority.

PICC states: Strengthen service to the overall economy, focusing on boosting consumption, innovation-driven growth, opening up to the outside world, coordinated development, leading the “dual carbon” goals, and social welfare. Innovate the insurance industry’s counter-cyclical regulation role across economic cycles to contribute more to economic and social development; promote high-quality development by building a high-quality business portfolio, enhancing service capabilities, expanding high-quality investments, deepening cost reduction and efficiency improvements, and managing high-quality market value to achieve qualitative improvements and reasonable growth.

China Pacific Insurance (CPIC) states that it will focus on coordinated development and safety, strengthening core functions, improving internal operations, and advancing strict governance. With the main themes of “risk prevention, strong management, development promotion, and safety assurance,” the company aims to achieve new breakthroughs in high-quality growth in the first year of the “14th Five-Year Plan,” contributing to building a strong financial nation and modernizing China in its unique way.

As the only state-owned reinsurance group, China Re emphasizes that in 2026, the group’s management will resolutely implement the principles of “scale development, underwriting efficiency, and steady investments,” seeking breakthroughs through reform, transformation, innovation, and management improvements. The goal is to strengthen risk defenses, enhance resilience, and achieve a good start for the “14th Five-Year Plan,” writing a new chapter of high-quality development.

Accelerating Digital Transformation

In recent years, technological revolutions represented by AI have been booming, and accelerating the integration of “insurance + technology” has become a consensus among insurers for embracing the future and finding new growth drivers. Improving digital intelligence capabilities is also a key focus for insurers’ operations in 2026.

Accelerating digital transformation is one of the key tasks of China Life Group’s “333 Strategy.” China Life states that, supported by technology, driven by scenarios, and oriented by value, it will coordinate technological innovation and operational upgrades, balance independent control and open cooperation, and develop core strengths while addressing weaknesses. The focus will be on data, algorithms, computing power, platforms, ecosystems, and scenarios—aiming to shape a future China Life characterized by full integration of business technology, agile and transparent operations, precise and efficient frontline empowerment, accessible products and services, and real-time risk perception across all domains, exploring solutions for digital financial development.

PICC states that it will strengthen risk prevention and control, improve comprehensive risk management systems, enhance risk control in key areas, maintain compliance leadership, and elevate digital intelligence in risk management.

Asset-Liability Coordination for Mutual Reinforcement

In 2025, thanks to optimized liability product structures and increased investment returns, insurers performed well. In 2026, how to further enhance the efficiency of asset-liability coordination remains a core task for insurers facing low-interest-rate environments.

On the liability side, after years of rapid “cleansing” of the life insurance agent workforce, life insurers continue to deepen high-quality transformation of agents, which is essential to meet the professional and diversified needs of customers.

Taiping Life states it will launch the “Jun Cheng Plan” to accelerate workforce transformation, strengthen internal team development, and align with business transformation, promoting the shift of external agents toward “youthful, professional, and career-oriented” profiles, laying a solid foundation for long-term development.

The insurance industry continues to optimize asset-liability management. Taiping Asset proposes further developing investment capabilities suited to insurance funds. Everbright Yongming Life emphasizes focusing on optimizing liability mechanisms and transforming channel operations; Guangda Yongming Life advocates reforming investment strategies to comprehensively improve investment levels.