Ping An MVP Wang Shuiying: The Beacon on the Road of Insurance

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In late autumn in Xiamen, sunlight streams through the glass windows into the office. Wang Shuiying has just finished a meeting with a client. This former clothing business owner is now a seasoned insurance agent at Ping An Life’s Xiamen branch, exuding the competence of an entrepreneur and the warmth of an insurance professional in every gesture.

“I clearly remember this date: May 26, 2016.” Wang Shuiying said with a smile, her eyes reflecting determination. That day, she officially joined Ping An Life, embarking on an unexpected journey in insurance.

From Clothing Business Owner to Insurance Agent

Before joining Ping An Life, Wang Shuiying was a successful clothing business owner, with annual sales reaching 60 to 70 million yuan. However, with the rise of e-commerce, brick-and-mortar stores faced enormous challenges. “Business was poor for physical stores, and after e-commerce emerged, many people chose to shop online.” Ten years ago, like many traditional entrepreneurs, she began to contemplate a transformation.

The opportunity for transformation came from her sister-in-law. “My sister-in-law has been with Ping An Life for 20 years. She’s quite introverted, but I noticed her child’s growth.” Wang Shuiying observed that the insurance industry not only allows practitioners to grow but also accommodates family life. “Since my sister-in-law can do well, then I can definitely succeed too.”

When she first entered the insurance industry, the former businesswoman suddenly became a “novice.” When she stood before clients for the first time to introduce products, she was so nervous that she forgot her words. “Fortunately, I had old friends supporting me,” Wang Shuiying said with a smile. Most of her initial clients were long-time friends and business partners, who became her first supporters due to their recognition of her character. However, she understood that personal relationships could only serve as a foundation, and professionalism was the cornerstone of her career.

The training system at Ping An Life reshaped her. “As a boss, I used to feel that my ideas were always right.” She admitted, “But insurance taught me to turn ‘what I think’ into ‘what the client needs’.” From interpreting product terms to family insurance planning, from communication skills to claims processes, she treated everything seriously and meticulously.

Building a Foundation of Faith with Responsibility and Sincerity

The case of her neighbor, Old Chen, made Wang Shuiying truly understand the weight of insurance. In 2019, after suffering setbacks in business, Old Chen was unfortunately diagnosed with lung cancer, and his family suddenly fell into despair. “When he bought critical illness insurance, he said it was to help me meet my performance targets.” Recalling that moment, Wang Shuiying’s voice became more somber.

She immediately helped Old Chen organize documents and submit claims. On the day the 700,000 yuan claim was approved, Old Chen’s wife held her hand and cried, “This money not only saved Old Chen’s life but also preserved our family.” This incident reinforced her belief that insurance is not a cold contract but a “timely aid” in times of crisis, and it established her service philosophy of “putting the client’s needs at the core.”

In the first half of 2025, Wang Shuiying faced a test in her career. To accompany her son preparing for the high school entrance examination, she frequently traveled between Xiamen and Hong Kong, staying only a few days each month, which caused her performance to decline. “During that time, I was really anxious; the monthly performance targets weighed heavily on my heart.” In desperation, she called an old client and candidly shared her predicament.

To her surprise, this couple, who had collaborated with her for many years, immediately signed a policy worth ten million yuan. “They said they believed in me as a person and in the protection I recommended.” This trust brought her to tears and made her realize that sincerity is always the most powerful “sales technique.”

When discussing the secret to maintaining high performance, Wang Shuiying summarized it as “diligence + professionalism + trust.” Whenever clients have questions, she always responds within half an hour; during claims, she follows up throughout the process, caring even more than her clients. “My client retention rate is particularly high, and many people even refer their friends to me.” This recognition is the result of her unwavering commitment over nine years.

Becoming a “Guardian Steward” for High-Net-Worth Clients

As the industry evolves, Wang Shuiying’s client base has quietly changed. Among the four to five hundred clients she serves, a majority are middle to high-net-worth individuals aged fifty to sixty, whose needs extend beyond basic protection to include health planning and wealth inheritance. “In the past, clients asked ‘what to insure’; now they are more concerned about ‘how to retire with quality’ and ‘how to pass wealth to their children more securely.’” Facing the increasingly diverse needs of clients, Wang Shuiying, as an insurance agent, is keenly aware that her responsibility is to provide suitable insurance solutions for clients and leverage the group’s platform to connect various professional resources to assist clients in achieving more comprehensive planning. Meanwhile, she continues to enhance her expertise, investing tens of thousands of yuan each year to take finance courses at Xiamen University and Fudan University, and specifically going to Hong Kong to study the differences in insurance between the two regions, constantly improving her professional capabilities. “High-net-worth clients need not salespeople but knowledgeable and trustworthy insurance advisors.”

In the face of declining insurance interest rates and a transition to participating insurance products, Wang Shuiying remains optimistic: “I believe there are no difficulties; this is an inevitable trend.” She added that clients understand and accept this: “It’s not a big problem; clients recognize us, and moreover, the overall trend is as such.” The years of investment performance at Ping An Life also provide a solid foundation for dividends. “According to the company’s long-term records, its dividend returns have consistently maintained a high level and have strong dividend capabilities” (Note).

Regarding the newly launched Ping An Life community for wellness and retirement—Yinian City, Jing’an No. 8—Wang Shuiying believes this is an important extension of the company’s customer service system, helping to enhance the quality of life and long-term service experience for clients. “Including my current clients, they think that if I have such an idea in the future, then I might participate and take more actions.” These service resources directly intervene in clients’ retirement planning, adding substantial value to insurance products.

As the interview came to a close, Wang Shuiying expressed her firm confidence in the industry: “The development of Ping An provides strong support for industry progress, and its experience and practices have positive significance for everyone exploring future industry directions. The entire industry is continually advancing, and we should maintain confidence and jointly promote stable development.” Despite the current economic challenges, she is full of expectations for the future.

Outside, the sky in Xiamen is gradually darkening. Wang Shuiying tidies her desk, preparing to welcome the next client. In her, we see the professionalism and warmth of an insurance agent, as well as the vitality and hope of the Chinese insurance industry.

Note:

1. Individual claim situations may vary; the claims case mentioned in the text is for understanding the material content only.

2. The overall investment return rate does not represent the level of dividends realized, and historical investment returns do not guarantee future performance. The dividend level of a policy is not guaranteed, and in certain years, dividends may be zero.

3. High-end wellness

① Service targets: Customers who purchase Ping An Life insurance products and meet the criteria for wellness membership can enjoy corresponding wellness member rights.

② Service providers: Membership services are provided by Ping An Life entrusted to Ping An Health Internet in conjunction with relevant third-party institutions, and accommodation services are provided by qualified third-party companies such as Ping An Zhenyi Nian; the fee standards for paid services vary by service provider and project, based on the actual payment amount.

③ Special note: This introduction does not constitute an invitation or offer; customers must recognize the product and ensure the premium meets the rules to enjoy the service; assessments and diagnosis results involved in the service are for health consultation reference only and cannot replace a doctor’s consultation or hospital diagnosis.