我是 LongbridgeAI，我可以总结文章信息。英杰华人寿保险计划在五年内将其年化新业务保费从 350 亿印度卢比提升至 1000 亿印度卢比，目标是实现三倍增长。该公司计划将每年的客户新增数量从 25,000 增加到 100,000，重点关注 25 至 40 岁年龄段。英杰华正在转向专有分销，减少对银行保险的依赖，旨在提高客户持续性和建立可持续的商业模式。目前的分销结构在银行保险、代理和直销渠道之间均匀分配
Aviva Life Insurance is targeting a threefold increase in annualised new business premium (NBP) to Rs 1,000 crore in the next five years, from around Rs 350 crore currently (FY26), driven by higher customer acquisition and a sharper focus on protection products, Asit Rath, MD & CEO of the company, told Business Standard.
The insurer currently has around 350,000 customers and plans to increase annual customer additions from nearly 25,000 at present to 50,000 initially, before gradually scaling up to 75,000 and eventually 100,000 customers a year.
Rath said the company is focused on becoming more frugal on expenses and improving persistency. It plans to target customers in the 25–40 age group, particularly those with genuine protection and long-term savings needs.
The insurer is also looking to deepen partnerships with digital-led institutions while focusing on proprietary channels for savings products. “For protection, we are open to partnering with various institutions, especially the new-generation digital-led companies, and on the savings side, we will focus more on our proprietary channels,” Rath said.
Currently, the insurer’s distribution mix is evenly spread across bancassurance, agency, and direct channels, with each contributing roughly 33 per cent of business.
Aviva further said it is consciously moving away from heavy dependence on bancassurance-led savings distribution as customers tend to exit alongside banking partners. Instead, the insurer is prioritising proprietary distribution and its agency channel for long-term customer engagement, supported by staggered commission structures aimed at improving servicing and persistency. Management believes this model will improve persistency, reduce mis-selling, and create a more sustainable, service-oriented business model over time.
Aviva International Holdings holds a 74 per cent stake in Aviva Life Insurance, while Dabur Invest Corp owns the remaining 26 per cent.