---
title: "英傑華 (ADR) 人壽計劃在未來五年內使年度化新業務保費增長三倍"
type: "News"
locale: "zh-HK"
url: "https://longbridge.com/zh-HK/news/287628632.md"
description: "英傑華人壽保險計劃在五年內將其年化新業務保費從 350 億印度盧比提升至 1000 億印度盧比，目標是實現三倍增長。該公司計劃將每年的客户新增數量從 25,000 增加到 100,000，重點關注 25 至 40 歲年齡段。英傑華正在轉向專有分銷，減少對銀行保險的依賴，旨在提高客户持續性和建立可持續的商業模式。目前的分銷結構在銀行保險、代理和直銷渠道之間均勻分配"
datetime: "2026-05-26T03:39:45.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/287628632.md)
  - [en](https://longbridge.com/en/news/287628632.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/287628632.md)
generator: "portal-rs"
---

# 英傑華 (ADR) 人壽計劃在未來五年內使年度化新業務保費增長三倍

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.

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- [AVVIY.US](https://longbridge.com/zh-HK/quote/AVVIY.US.md)
- [AV.UK](https://longbridge.com/zh-HK/quote/AV.UK.md)

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