Port communicationWhich companies can currently legally engage in Internet insurance business? The reporter learned from senior people，Insurance companies that have registered Internet business with the China Insurance Regulatory Commission、insurance agency、insurance brokerage company，Other companies that have signed cooperation contracts with this company，Possess Internet insurance business qualifications。
but，An insurance intermediary revealed，Although the early cost of cooperation is low、Fast cut，Many Internet insurance startup platforms will first choose，But with the subsequent expansion of business，The third-party network platform company will consider the docking between the head office and the head office and constantly adjust the docking entrance.，Will make the company more passive，“It’s more valuable to get your own license，And the license plate is valuable。
"In fact，According to the cooperation model between Internet companies and traditional agencies，The insurance company pays commission or agency fee to the agency，The agency company pays technology service fees or Internet information service fees to the platform，intermediate cost
cost
not high，Taxes can also be offset against each other，But from a long-term perspective,，Companies engaged in Internet insurance business are more willing to apply for or purchase intermediary licenses themselves。
"After this year，A regional agency intermediary license costs about 3 million or more，And at the end of last year，The number of nationwide intermediary licenses has exceeded 10 million，For startups，More people will choose to explore the Internet insurance model from two aspects: product development and marketing channels.，License plates are particularly important，Insurance intermediary license is of great significance。"An industry insider told a reporter from Changjiang Business Daily。
And the tightening of supervision，Let Internet insurance platforms that do not have insurance business qualifications or insurance intermediary business qualifications，Feeling more "tricky"。Although the China Insurance Regulatory Commission has opened the door to the approval of insurance intermediary licenses,，But the threshold for applying for an insurance intermediary license has been rising.。2013Year，The management measures issued by the China Insurance Regulatory Commission show，Establish a professional insurance intermediary agency，The minimum registered capital limit is 50 million yuan。
2025Year，The China Insurance Regulatory Commission issued the "Notice on Licensing Professional Insurance Intermediary Business"，
Require
The investment funds must be genuine and legal，Implementation of custody of registered capital，The governance structure is perfect and in place，Access through strict front-end，Lay a solid foundation for back-end process management。This means 50 million registered capital for custody，It is “real” operating capital，Start-up funds need to be raised separately。
According to industry insiders，According to operating cost，Apply for a new insurance intermediary license，The actual capital cost exceeds 50 million，And buy a license，It is in the tens of millions
cost
on the basis of，According to the actual sales situation
Require
Prepare risk reserves。Under strict supervision, Internet insurance platforms may postpone expansion. “Many third-party auto insurance platforms and Internet insurance platforms are currently difficult to achieve profitability.。
”July 22nd，An executive from an insurance intermediary agency in the eastern region told a reporter from Changjiang Business Daily，“The current tightening of administrative supervision，It should slow down the expansion of Internet platforms.，Platforms need to resolve compliance issues first、legitimate question，Further market expansion。"Some market participants believe that，This will undoubtedly have a greater impact on the Internet auto insurance market。
"Premium calculation、Price comparison、Business promotion、Fund payment is currently the main way for third-party online platforms to carry out auto insurance business.，Follow corrective measures，In the future, unlicensed third-party platforms will only serve as information intermediaries，It is difficult to provide auto insurance sales services。
"It will have little impact on professional and technical companies."，But the business mainly focuses on customizing insurance plans、Price comparison、Car and boat tax agency、A third-party platform company that handles auxiliary functions and value-added services such as vehicle inspections and traffic violations.，Maybe we have to rethink our business scope。"Executives from the above-mentioned intermediary agencies said。This is important for entrepreneurs and investors of third-party cyber insurance platforms，Maybe it’s also a “wake-up call”。
Vertical media statistics of the Internet insurance industry show，this year，As of June 30，A total of 13 financing incidents occurred in the Internet insurance field，An increase of 3 cases compared with the same period last year，Among them, there are 3 angel rounds、Pre-A round 3 starts、Starting from Series A 4、Series B starts from 3。Judging from the financing amount，The overall financing amount in the Internet insurance industry is relatively large，Angel round financing amounts are all in the tens of millions and above，2 billion-level financing incidents，Among them, Little Umbrella Insurance has entered the billion-level club。
“Many policies are being tightened，In the past, it was not feasible for Internet companies to directly cooperate with insurance companies to sell insurance through "technical services"，If reviewed by regulatory authorities，This is an illegal operation，be punished and ordered to make corrections。And with a license，Business runs more smoothly，The market space will also expand further with the expansion of business。"An Internet insurance person said。
this year，China Insurance Regulatory Commission administrative licensing results announced，A total of 16 insurance agencies and brokerage companies were approved，Compared to 39 agents and brokerage companies approved in 2025，Administrative approval speed seems to have slowed down。China Insurance Yearbook shows，By the end of 2025，There are 2,503 insurance intermediaries nationwide，premium income
- 7billion，The average premium is only
- 68billion。 How to apply for an insurance agency license?
What are the requirements for applying for an insurance agent license? For details, please consult Hong Kong Xintong-!
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