陆家嘴国泰人寿保险有限责任公司

What 陆家嘴国泰人寿保险有限责任公司 does

陆家嘴国泰人寿保险有限责任公司 (Lujiazui Cathay Life Insurance Co., Ltd.) is a Shanghai-headquartered joint venture life insurance company, established in 2004 and commencing policy sales in January 2005. It is the first cross-strait (Taiwan-mainland China) joint venture life insurer in mainland China, formed between Shanghai Lujiazui Financial Development Co., Ltd. and Cathay Life Insurance (国泰人寿), Taiwan's largest life insurer. The company operates 11 provincial branches covering Jiangsu, Zhejiang, Fujian, Beijing, Shandong, Guangdong, Liaoning, Tianjin, Xiamen, Sichuan, and Henan, with a marketing service network spanning approximately 50 cities, and reported total assets exceeding 506 billion RMB as of June 2026 with registered capital of 3 billion RMB.

The company sells over 100 insurance products across four core lines — life insurance (whole life, term, endowment), health and critical illness insurance (including pioneering long-term care products), accident insurance, and annuity/pension insurance — plus participating (分红险), universal life (万能险), and investment-linked (投连险) variants. It serves both individual consumers and corporate/group clients through a multi-channel distribution model: an in-house insurance agent force, bancassurance partnerships with 28+ Chinese banks (including ICBC, CCB, China Everbright, Industrial Bank, Shanghai Bank, and Bank of Suzhou), physical service centers across 11 branches, and digital self-service via the WeChat official account service hall and three mobile apps. A distinctive operational feature is the cross-strait service network linking mainland branches with Taiwan service locations in Taipei, Taoyuan-Hsinchu, Taichung, Tainan, and Kaohsiung, supported by dedicated claims and operations phone lines.

Revenue is generated primarily through recurring premium income across the individual and group product lines, complemented by investment income on reserves. Customer service and digital platforms — branded 泰方便 (policy services), 泰尊贵 (VIP membership), 泰健康 (health green-channel services), 泰优惠 (special discounts), and 泰正点 (customer activities) — are organized as a layered engagement ecosystem. The company holds Ministry of Public Security Level 3 information security certification and a 2025 Class 2B consumer rights protection regulatory rating.

Name

陆家嘴国泰人寿保险有限责任公司

Legal name

陆家嘴国泰人寿保险有限责任公司

Website

https://cathaylife.cn

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

51–100 employees

Short description

Shanghai-based Lujiazui Cathay Life Insurance is China's first cross-strait (Taiwan-mainland) joint venture life insurer. Operating 11 branches across China with bancassurance partnerships at 28+ banks, it serves individual and corporate customers with 100+ life, health, accident, and annuity products.

Ownership category

akta.pro rank

Product category

Life Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Direct Life Insurance Carriers (524113), Direct Health and Medical Insurance Carriers (524114)

SIC

Life Insurance (6311), Accident & Health Insurance (6321)

akta.pro primary industry

Whole Life Insurance (FSAIABAA)

akta.pro secondary industries

Participating (Dividend) Whole Life Insurance (FSAIABAI), Level Term Life Insurance (FSAIAAAA), Travel & Accident (Non-Life) Insurance (FSAJAMAN)

Keywords

• Life insurance products
• Health insurance coverage
• Annuity insurance plans
• Bancassurance distribution
• Accident insurance policies

Headquarters

HQ city

上海市, 上海市

HQ country

China

HQ region

Asia

Offices13 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Individual Life Insurance Premiums: Traditional life insurance products including whole life, term life, endowment, and annuity policies sold to individual consumers through agents and digital channels.
2. Health and Medical Insurance Premiums: Health insurance products including critical illness, hospitalization, medical expense reimbursement, and long-term care insurance, generating recurring premium revenue.
3. Accident Insurance Premiums: Personal and group accident insurance products generating premium revenue.
4. Group/Corporate Insurance Premiums: Group insurance products including employee benefit plans and group annuity products sold to corporate clients.
5. Investment-linked (投连险) Insurance: Investment-oriented insurance products with multiple investment accounts (balanced, growth, money market), generating both premium income and investment management fees.
6. Participating/Dividend (分红险) Insurance: Participating life insurance products where policyholders receive dividends based on company performance, generating premium income with shared risk.
7. Universal Life (万能险) Insurance: Universal life insurance products with flexible premium payments and interest-bearing account values.

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

陆家嘴国泰人寿保险有限责任公司 (Lujiazui Cathay Life Insurance) is a joint venture life insurance company that develops, sells, and underwrites individual and group insurance products spanning life insurance, medical/critical illness insurance, accident insurance, and annuity/pension insurance. The company distributes over 100 insurance products through insurance agents, bancassurance partnerships with 28+ banks, WeChat digital service hall, and physical branches across 11 provinces in China, with a unique cross-strait service capability linking mainland China and Taiwan operations.

Product overview

陆家嘴国泰人寿保险有限责任公司 is a life insurance company operating a multi-channel, multi-product platform architecture. The company offers individual and group insurance products across four core categories: life insurance (终身寿险), medical/critical illness insurance (医疗重疾), accident insurance (意外保险), and annuity/pension insurance (年金保险). The product portfolio includes participating insurance (分红险), universal life insurance (万能险), and investment-linked insurance (投连险). Service delivery is organized through branded digital platforms: 泰方便 (policy services), 泰尊贵 (VIP membership), 泰健康 (health services), 泰优惠 (discount services), and 泰正点 (customer activities). Insurance products are distributed through multiple channels including the company's official website, WeChat official account, mobile applications (泰会保, 泰好录, 泰享录), and partnerships with 15+ banks including ICBC, CCB, China Everbright Bank, and Industrial Bank. The company also provides cross-strait services for policy holders traveling between mainland China and Taiwan.

Differentiator

Problem solved

Functional benefit

Brands

• 泰方便: Policy service platform covering policy inquiries, policy verification, group insurance services, after-sales service, claims, payment services, and cross-strait services.
• 泰尊贵
• 泰健康
• 泰优惠
• 泰正点

Products and services

• 尊享百万随行两全保险 (Premium Million Follow Travel Endowment Insurance) A participating whole life/accident insurance product that provides accident insurance coverage with savings features. Combines accident protection with financial returns, marketed to individual consumers seeking dual accident protection and wealth accumulation.
• 顺意福终身寿险 (Shunyi Fu Whole Life Insurance) A whole life insurance product offering life protection and coverage for medical expenses and critical illnesses, sold to individual consumers through agents and bancassurance channels.
• 员工套餐 (Employee Package - Group Insurance) Group insurance package for corporate employees, providing comprehensive coverage including life protection, accident insurance, and medical benefits for corporate clients and their employees.
• 陆家嘴国泰鸿利至尊终身寿险（分红型） (Hongli Premium Participating Whole Life Insurance) Participating whole life insurance product with dividend features, currently sold through internet insurance channels to individual consumers.
• 陆家嘴国泰泰享一生2.0年金保险 (Taixiang Lifetime 2.0 Annuity Insurance) Pension annuity insurance product providing regular income benefits for retirement planning, sold through internet insurance channels.
• 陆家嘴国泰臻享世承（A款）终身寿险 (Zhenxiang Shicheng (A) Whole Life Insurance) Whole life insurance product with guaranteed coverage, sold through internet insurance channels to individual consumers seeking permanent life protection.
• 陆家嘴国泰臻兴年年养老年金保险 (Zhenxing Niannian Pension Annuity Insurance) Pension annuity insurance product designed for retirement planning, providing regular income during retirement years. Sold through internet insurance channels.
• 陆家嘴国泰财富经典投资连结保险 (Wealth Classic Investment-Linked Insurance) Investment-linked insurance product with multiple investment account options including balanced, growth, and money market funds, combining life insurance protection with investment returns.
• 医无忧团体医疗保险 (Yiwuyou Group Medical Insurance) Group medical insurance product with special drug coverage for corporate employees, including designated hospital network and special medication coverage for group/corporate clients.
• 馨康悦医疗保险 (Xinkangyue Medical Insurance)

Segments2 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration15 records

Feature3 records

Partnerships

15 partnerships are on record, tiered minor and core.

• 恒丰银行股份有限公司minorChannel Partner/ Reseller/ Distributor · 6 May 2025Bancassurance partnership for distribution of general life insurance and participating insurance products through Hengfeng Bank's online and mobile banking. Active from May 6, 2025 through May 6, 2030.
• 郑州银行股份有限公司minorChannel Partner/ Reseller/ Distributor · 25 June 2024Bancassurance partnership for distribution of general life insurance and participating insurance products through Zhengzhou Bank's online and mobile banking. Active from June 25, 2024 through March 31, 2031.
• 中国民生银行股份有限公司minorChannel Partner/ Reseller/ Distributor · 7 April 2024Bancassurance partnership for distribution of general life insurance and participating insurance products through China Minsheng Bank's online and mobile banking. Active from April 7, 2024 through April 7, 2029.
• 台州银行股份有限公司minorChannel Partner/ Reseller/ Distributor · 2 January 2024Bancassurance partnership for distribution of general life insurance and participating insurance products through Taizhou Bank's online and mobile banking. Active from January 2, 2024 through January 1, 2032.
• 宁波银行股份有限公司minorChannel Partner/ Reseller/ Distributor · 23 August 2023Bancassurance partnership for distribution of general life insurance and participating insurance products through Ningbo Bank's online and mobile banking. Active from August 23, 2023 through December 30, 2026.
• 莱佛士医院 (Raffles Hospital)minorStrategic or Co-development Partner · 1 December 2022Strategic cooperation established in December 2022 for cross-strait health management and medical services, providing policyholders with access to Raffles Hospital's medical network.
• 兴业银行股份有限公司coreChannel Partner/ Reseller/ Distributor · 27 October 2022Bancassurance partnership for distribution of general life insurance and participating insurance products through Industrial Bank's online and mobile banking. Active from October 27, 2022 through December 31, 2026.
• 中国光大银行股份有限公司coreChannel Partner/ Reseller/ Distributor · 30 June 2022Bancassurance partnership for distribution of general life insurance and participating insurance products through China Everbright Bank's online and mobile banking. Active from June 30, 2022 through September 26, 2030.
• 中国工商银行股份有限公司coreChannel Partner/ Reseller/ Distributor · 15 December 2020Bancassurance partnership for distribution of general life insurance and participating insurance products through ICBC's online and mobile banking. Active from December 15, 2020 with no set end date.
• 中国建设银行股份有限公司coreChannel Partner/ Reseller/ Distributor · 7 March 2019Bancassurance partnership for distribution of general life insurance and participating insurance products through China Construction Bank's online and mobile banking platforms. Partnership active since March 7, 2019.
• 上海银行股份有限公司coreChannel Partner/ Reseller/ Distributor · 24 December 2018Bancassurance partnership for distribution of general life insurance and participating insurance products through Shanghai Bank's mobile banking app. Partnership active from December 24, 2018 through September 30, 2031.
• 复旦大学minorStrategic or Co-development Partner · 1 January 2005Annual scholarship (donation) program established since 2005, providing scholarships and teaching grants to Fudan University students, building long-term brand engagement with the academic community.
• 北京大学minorStrategic or Co-development Partner · 1 January 2005Annual scholarship (donation) program established since 2005, providing scholarships to Peking University students.
• 南京大学minorStrategic or Co-development Partner · 1 January 2005Annual scholarship (donation) program established since 2005, providing scholarships to Nanjing University students.
• 国泰人寿保险股份有限公司 (Cathay Life Insurance, Taiwan)coreStrategic or Co-development Partner · 1 January 2005Parent company and joint venture partner, Taiwan's largest life insurer. Provides operational expertise, insurance product development knowledge, and cross-strait service network capabilities. Cai Hongtu (蔡宏图), Chairman of Cathay Life, met with President Hu Jintao in January 2008.

Scale indicators5 records

Recent moves15 records

Expansion highlights5 records

Direct peers

• China Life Insurance Company: China's largest life insurer offering the full spectrum of life, health, accident, and annuity products. Comparable product breadth and target customer base, though vastly larger in scale and brand recognition.
• China Pacific Life Insurance (CPIC Life): Major Chinese life insurer with comparable product mix (life, health, accident, annuity) and multi-channel distribution. Directly competes for bancassurance partnerships and individual/group customers across similar Chinese provinces.
• Ping An Life Insurance Company of China: One of China's largest life insurers offering life, health, accident, and annuity products through multi-channel distribution including bancassurance and digital. Directly comparable product portfolio and target market, with substantially larger scale.
• Manulife-Sinochem Life Insurance: Sino-foreign JV life insurer (Manulife + Sinochem) operating in China with a comparable product portfolio of life, health, accident, and annuity products. Direct peer in the foreign JV life insurance category.
• Prudential Life Insurance Company of China: Foreign JV life insurer (Prudential plc + CITIC Group) offering life, health, and investment-linked products in China. Comparable foreign-influenced life insurance JV with overlapping product lines and bancassurance distribution.
• AIA China: Foreign-affiliated life insurer in mainland China with a comparable product mix including participating, whole life, and health insurance. Closely comparable as a foreign-influenced JV-style life carrier competing for the same bancassurance and agent distribution.
• Sun Life Everbright Life Insurance: Sino-foreign JV life insurer (Sun Life Financial + China Everbright Group) offering life, health, and annuity products in China. Closely comparable JV structure combining foreign life insurance expertise with a major Chinese financial partner.

Emerging players

• Generali China Life Insurance: Foreign JV life insurer (Generali + China National Petroleum) in mainland China offering life and health products. Comparable foreign JV structure with focused but narrower product portfolio.

Broad incumbents

• New China Life Insurance Company: Major publicly listed Chinese life insurer with nationwide branch network offering life, health, and accident products. Comparable scale and product mix, competing across similar bancassurance channels and target customer segments.
• Cathay Life Insurance (Taiwan): Parent company of the JV; Taiwan's largest life insurer with comprehensive product lines including life, health, accident, and annuity. Directly comparable product expertise and underwriting approach, providing the operational and technical backbone for the JV.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/%E9%99%86%E5%AE%B6%E5%98%B4%E5%9B%BD%E6%B3%B0%E4%BA%BA%E5%AF%BF%E4%BF%9D%E9%99%A9%E6%9C%89%E9%99%90%E8%B4%A3%E4%BB%BB%E5%85%AC%E5%8F%B8

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries11 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about 陆家嘴国泰人寿保险有限责任公司