Driven by the digital economy and technological advancements, China’s insurance brokerage industry is undergoing a profound transformation. As a pioneer in the field of Internet insurance, Tiantian Youbao has positioned technological innovation as its core driving force and user needs as its guiding principle. The company has reshaped the industry ecosystem through AI, big data analysis, and digital and intelligent transformation. Additionally, Tiantian Youbao has embraced the green development concept of transparency and sustainability, emerging as a benchmark enterprise for high-quality development in the insurance brokerage industry.
Technological Innovation: AI and Data-Driven, Creating a New Paradigm for Smart Insurance
In the face of efficiency bottlenecks and increasing homogenized competition in the traditional insurance brokerage industry, Tiantian Youbao has taken the lead in digital and intelligent transformation. Centered on “AI + data,” the company has built a full-chain intelligent service system, propelling insurance services from “experience-driven” to “technology-driven.”
Empowered by AI Technology, Providing Full-Process Services
Tiantian Youbao’s independently developed “AI + Intelligent Digital Placement Technology” has completely overturned the traditional insurance brokerage model. Utilizing machine learning and natural language processing technologies, the platform can accurately identify user needs and achieve full-process automation from risk analysis, product matching to policy management. For instance, users only need to submit basic information online, and the system can generate personalized protection plans through an AI model within milliseconds, covering multiple scenarios such as health insurance and family insurance, truly achieving “one-click insurance purchase and worry-free throughout the process.”
Big Data Drives Precise Decision-Making
Leveraging its self-built big data analysis system, Tiantian Youbao integrates user behavior data, health data, and market dynamics across the entire network. The platform has built a user tag system of over 2,000, processing an average of more than 1 billion pieces of data daily. This capability not only helps predict industry trends and optimize product design but also dynamically tracks users’ health status and proactively pushes suggestions for guarantee upgrades. For example, for sub-healthy individuals, the system can recommend customized health management plans based on real-time health data, extending insurance services from “post-event claims settlement” to “pre-event prevention.”
Digital and Intelligent Transformation, Industry Benchmark
By 2024, through eight years of Internet operation, Tiantian Youbao has served over 500 million potential users and 50 million high-target users, with a one-click online service coverage rate exceeding 90%. In the “Top 100 Insurance Technology Companies in China 2024” selection, its innovative “Digital and Intelligent Middle Platform” model was recognized as an industry model. This system integrates AI, cloud computing, and large model technologies, supporting complex scenarios such as policy diagnosis and overall family insurance purchase. It has increased operational efficiency by 300% and achieved a user satisfaction rate of 98.5%.
Green Development Concept: Transparent Services, Building a Sustainable New Insurance Ecosystem
Tiantian Youbao firmly believes that true industry innovation requires not only technological breakthroughs but also a commitment to social responsibility and sustainable development. By promoting service transparency and resource intensification, the company injects a “green gene” into the industry, leading the insurance industry to evolve in a healthier and fairer direction.
Five Transparency Principles Reshape Industry Trust
In response to the phenomenon of information asymmetry in the insurance brokerage industry, Tiantian Youbao has pioneered five major principles: “transparent licenses, transparent prices, transparent terms, transparent responsibilities, and transparent protection,” rejecting hidden charges and inducible marketing. The platform has collaborated with over 50 insurance companies and more than 30 financial institutions. Users can clearly understand the product terms and prices, and the average decision-making cycle has been shortened by 60%. This model was rated as a “benchmark for High Transparency Family Security Transformation” by iiMedia Research and helped the company rank among the “Top 500 Domestic Consumer Brands in China 2024.”
Resource Intensification Promotes Low-Carbon Operation
Through digital means, Tiantian Youbao has significantly reduced the paper consumption, labor costs, and carbon emissions from offline services of traditional insurance. For example, the coverage rate of electronic insurance policies has reached 100%, reducing paper usage by more than 500 tons every year. The replacement rate of AI customer service has reached 80%, and the service response speed has been improved to the second level. Additionally, the platform optimizes resource scheduling through the data middle platform, reducing repetitive computing and server energy consumption, with the energy consumption per unit of business being 40% lower than the industry average.
Long-Term Drive the Industry for Healthy Development
Tiantian Youbao has stimulated the vitality of the industry with the “catfish effect,” promoting small and medium-sized insurance companies to accelerate their digital and intelligent transformation. By opening up some of its technical capabilities and data interfaces, the company has helped over 20 partners complete their online transformation, indirectly reducing the industry’s repetitive R&D investment by more than 1 billion yuan. At the “2025 Golden Mouse International Digital Marketing Festival,” its concept of “Transparent Insurance Purchase to Protect Millions of Households” was awarded the title of “Annual Social Responsibility Practice Case.”
Competitiveness in the Times: The Deep Integration of Technology, Concepts, and Responsibility
Driven by both technology and responsibil
ity, Tiantian Youbao has not only won market recognition but also become a standard setter and ecosystem co-builder in the industry, leading the green development of the insurance brokerage industry in the new era.
Industry Honors and Authoritative Recognition
In 2024, Tiantian Youbao successively won heavyweight awards such as “Top 500 Domestic Consumer Brands in China” and “Top 100 Insurance Technology Brands in China,” competing on the same stage with brands like iFLYTEK and China Jewelry, demonstrating its technological strength and brand influence. iiMedia Research commented on its “user-centered reconstruction of the insurance value chain,” and the Molecular Laboratory referred to it as a “new benchmark for digital and intelligent transformation.”
Collaboration Among Industry, Academia, and Research Institutions to Consolidate the Technological Foundation
The company places great importance on technological reserves and talent development. It has jointly established an AI laboratory with universities and recruited many top data scientists and engineers. In 2024, the company’s R&D investment accounted for 15%, and it applied for multiple technical patents, covering core areas such as intelligent risk control and user profiling.
Future Vision: Technology for Good, Safeguarding a Better Life
Looking ahead, Mr. Chen Xinglai, the founder and CEO of Tiantian Youbao, stated: “We will focus on the innovation of ‘AI + Smart Insurance,’ empower technology-based insurance through technology, and enable more people to enjoy high-quality and cost-effective protection.” The company plans to invest hundreds of millions of yuan within three years for the construction of a health big data platform and the upgrade of a green computing center. From technological breakthroughs to conceptual innovations, from industry empowerment to ecological co-construction, Tiantian Youbao, with technological innovation as its spear and green responsibility as its shield, has blazed a unique and high-quality development path in the wave of digital and intelligent transformation in the insurance brokerage industry. In the future, this “insurance technology leader” will continue to center on users, safeguarding millions of families with wisdom and warmth, and writing a new chapter in China’s insurance brokerage industry.
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