When companies readily pay for traffic and software, why do they resist prepaying for intelligent productivity? The answer lies in a conflict between the traditional "Pay-per-Result" mindset and the predictable value delivered by agentic AI.
In the traditional model, prepayment locks in unstable human services, creating risk from personnel volatility. Agentic AI overturns this: it sells the predictable, high-efficiency "intelligent agent compute and delivery capability" driven by a highly autonomous AI team.
The agentic AI value leap: From tools to teams
Agentic AI systems are not merely tools; they are virtual executive teams with a high degree of autonomy. A single complex task, like achieving "100 closed deals," demands a multi-agent system (MAS) architecture.
In this system, a "general manager agent" decomposes the goal and assigns tasks to specialized AI Agents: a "customer acquisition agent" for precise targeting, a "telesales agent" for high-efficiency conversion, and a "WeCom Agent" for long-term relationship maintenance. This AI team autonomously collaborates and corrects course until the business outcome is delivered.
The platform's value is the transformation of traditionally labor-intensive, variable business growth needs into a customizable, predictable product. Insurers are no longer buying manpower or time; they are purchasing the autonomous ability to deliver business growth outcomes.
Pricing logic: Moving beyond the "middleman"
This shift necessitates moving beyond the "per head, per result" commission structure.
The agentic AI platform's value is anchored to two core capabilities, justifying a technological premium:
- Front-end intelligent screening: Pricing must reflect the AI's ability to generate an "effective lead screening rate," like advanced media platform pricing. The insurer is buying the "order delivery right" optimized by the agent team.
- Collective intelligence operating capability: The system's ability to autonomously execute complex, long-term tasks (e.g., long-term WeCom relationship maintenance) represents a high technical barrier. This resolves the drawbacks caused by past inappropriate "sea of people" tactics (massive deployment of personnel) and warrants pricing based on task complexity.
Three core strategies for strategic investment
To break the traditional commission-based model, we utilize three core strategies that align with existing, mature commercial logics:
| Strategy | Definition | Industry Logic Alignment |
| 1. Capacity Lock-In | Defining prepayment as a royalty fee for securing 7x24 stable capacity. | BPO/Core System Fees. This strategy implements a guaranteed delivery volume mechanism, effectively transferring manpower risk to the platform. |
| 2. Technology Licensing Fee | Fees pay for the right to use continuously optimized AI agent teams and their core technical assets (e.g., specialized landing pages and massive corpora). | IT Investment/SaaS Licensing. Mitigates the insurer's front-end trial-and-error risk by purchasing a stable technological solution. |
| 3. Subscription + Result Incentive | A pragmatic hybrid model combining stable baseline fees with flexible outcome-based rewards. | Digital Marketing/Pay-per-Result. A basic subscription fee guarantees the baseline, while a result incentive fee shares supernormal profits from exceeding targets. |
The Agentic AI pricing revolution is therefore not about a new billing method, but the first-time enterprises can measure the true value of technology across three integrated dimensions: Capacity, risk and outcome. This is the crucial leap from tool to intelligence and the most critical mindset shift for enterprises facing the future.
The capitalization logic: Expense to capital
The core of this revolution is financial: Agentic AI allows insurers to transform one-time "human expenditure" into reproducible, continuously appreciating intelligent productivity.
The focus of evaluation shifts from saving labor costs to the ability to continuously generate predictable, accumulative business results. While the insurer buys only the "right to use" the AI agent, this right is a technological license that generates long-term revenue and improves efficiency through model learning. This input is a strategic investment in intelligent infrastructure that evolves over time.
Agentic AI as a new quality productive force
Agentic AI marks the enterprise's critical leap beyond automation to a new phase of autonomous intelligence. The prior stage of full-realization was about transforming human labor into stable, controllable capacity; Agentic AI elevates this by evolving from automatable execution to autonomous decision-making. Agents now plan actions, optimize strategies, and collaborate based on environmental and result feedback.
Agentic AI is a new quality productive force that pushes the enterprise from full automation to autonomous intelligence. It requires a pricing revolution — from passive commission payment to actively investing in agent capability delivery.
By adopting the subscription, guaranteed delivery, and performance incentive models, insurers secure stable, predictable growth. This input is not an expense but a strategic investment. The industry must move jointly to redefine pricing from "intermediary service" to "AI Agent operational delivery."
