Chief Marketing Officer / China
JianruZhou
I learned about the pressure of a publication date before I learned about insurance.
62
Marketing employees
Five direct reports; twenty-eight agency personnel separately
CNY118m
2026 marketing authority
Excludes commissions, claims, underwriting and reserving
30 years
Communication experience
Agency and insurance roles since July 1996
I believe
I want our public voice to recognise the customer's circumstances before it asks for their attention. A media placement can be contractually available and still be the wrong thing for an insurer to say at that moment.
— Jianru Zhou
The work
In July 2024, a fictional regional flood affected customers while a seven-day promotional programme was about to begin. The CNY3.2 million schedule had already absorbed considerable preparation. The commercial sponsor wanted to retain placements outside the most directly affected locations, arguing that cancellation would waste investment and leave distribution partners without expected support. I understood that cost, but the campaign's celebratory tone no longer suited the wider circumstances in which people would receive it. I recommended stopping the schedule and accepted CNY460,000 of placement cost that could not be recovered. We redirected CNY1.1 million of the original allocation to service communication over fourteen days; the remaining CNY1.64 million was left uncommitted. I did not describe that uncommitted amount as a realised saving. Claims director Zhewen Gu and the service teams determined the operational information. Marketing organised its publication and made the owner and next update time explicit rather than fill uncertainty with a reassuring claim we could not support. The communication plan provided for twenty-eight scheduled updates. Twenty-six appeared within their intended publication windows; two were late because the responsible operating team was still verifying the proposed account. We identified those delays and the revised update time publicly instead of issuing an unverified statement to preserve a perfect schedule. This was a record of communication delivery, not evidence that customers received faster settlements or suffered smaller losses. The choice gave up exposure and incurred a real sunk cost. Some distribution colleagues felt we had withdrawn support at a commercially difficult moment, so we explained the decision directly and supplied the service material they could use. I did not ask claims colleagues to change a decision to improve the campaign account. The lesson was to establish the cancellation route before an event makes it necessary: who can stop a message, what expenditure remains unavoidable and how another form of communication will be governed. The incident changed our planning questions, while the financial and operational consequences of the flood remained outside marketing's claimed result.
The proposed November 2024 intermediary programme comprised eight promotional events at CNY6.4 million. Distribution colleagues expected broad attendance and visible support for partner firms. I was concerned that the programme devoted little time to recurring practical difficulties around co-branded material: the owner of revisions, the use of local adaptations and the withdrawal of an earlier version. A larger audience would not necessarily resolve those questions. I proposed four working forums with a CNY3.8 million budget, inviting seventy-two broker firms. The distribution sponsor preferred the original programme because the bigger events offered more hospitality, recognition and opportunities to bring several relationships together. My recommendation gave up that breadth and left CNY2.6 million of the proposed allocation uncommitted. I asked the sponsor to judge the alternative by the work it was intended to complete, rather than present it as an equivalent promotional event at a lower price. Sixty firms participated. Teams worked through who would supply approved material, which changes needed further review and how a communication could be withdrawn when it no longer represented the insurer's position. Legal, product and distribution owners retained their relevant responsibilities. A marketing forum could help people understand and operate an arrangement; it could not certify every subsequent use or direct an independent firm's entire business. The twelve firms that did not attend remained visible in the account. Relationship managers contacted them to understand whether timing, relevance or another concern had prevented participation. I did not count an invitation as engagement or describe attendance as evidence of better sales practice. The programme delivered a narrower set of working conversations than the original plan, with follow-up still required across the relationship network. The trade-off was worthwhile because it addressed a problem our partners could recognise, but it also taught me to avoid treating a smaller format as inherently superior. Some relationships need the broader contact a larger event can provide. The decision should follow the purpose. In this instance, the public brand depended on practical responsibilities being understood between organisations, and I chose to give that work more time even though the result was less visible in an event photograph.
In March 2025, we prepared a CNY4.6 million campaign around eleven service centres. The creative proposal presented a common service experience and the media plan treated the locations as one launch. The operating review did not support that uniform assumption. Four centres needed further preparation for the volume and type of contact the campaign was expected to attract. The campaign team argued that reducing the footprint would complicate production and weaken the consistency of the launch. I asked the service owners to describe the outstanding work and the evidence they would use to judge it ready. Marketing did not substitute its own assessment of staffing or case-handling capability. The question for my team was whether we should direct additional attention to a service whose responsible managers were not yet prepared to accept the implied demand. I recommended beginning with seven centres and making the material specific to that footprint. The revised programme committed CNY3.3 million, leaving CNY1.3 million of the original proposal uncommitted. We accepted the cost of adjusting the material and the inconvenience of a staggered story. The four other centres did not appear in a public promise merely because their names had been included in an earlier plan. Their later participation remained subject to the operating review, with no launch date invented to complete the marketing account. The seven-centre campaign went ahead in May. We monitored the contact it generated with the service team, but did not claim that preparation checks established a uniformly satisfactory experience or caused a particular sales result. The decision record concerns the scope we chose and why the initial eleven-centre assumption was not supported. The service owners continued to answer for the actual work received. This case changed how I wanted campaign briefs prepared. The intended audience action needed to be discussed with the receiving organisation while the plan was still flexible. A late readiness concern is harder to act on when bookings, partner expectations and a single launch narrative have already hardened. My role was to preserve that choice and accept a less tidy public calendar, rather than ask the operating team to absorb a demand the communication plan had decided on its behalf.
A November 2025 proposal allocated CNY2.2 million to films based on six possible customer claim stories. The creative team believed personal accounts would make the insurer's service more tangible than a conventional corporate presentation. Initial research cost CNY300,000. During review, two of the proposed stories involved matters that had not been resolved, while the other accounts required careful decisions about what could be shared and how a selected experience might be interpreted. I did not want the desire for a persuasive film to create pressure around a claim or turn consent into part of the service relationship. Claims decisions remained with Zhewen Gu's organisation. Relevant specialists advised on information and permission, and marketing did not approach an unresolved matter as an opportunity to obtain a favourable public narrative. The commercial sponsor argued that removing the personal stories would leave us with less distinctive material after the research investment had already been made. I recommended a different output: four films explaining the service journey using fictional situations, with CNY900,000 assigned to production. Together with the CNY300,000 already spent, that left CNY1 million of the original proposal uncommitted. The completed films were reviewed with the relevant service and specialist teams before publication in January 2026. They did not portray real claimants, reproduce case documents or promise that a particular claim would receive a particular decision. We gave up the emotional immediacy of a testimonial-led campaign. The replacement was not presented as proof that every customer experienced the service in the same way. Its purpose was to help an audience understand the stages and responsibilities they might encounter, while leaving individual decisions to the actual policy and facts. No measured improvement in trust or claim outcomes was attached to the film count. I took from the case a sharper distinction between listening to customers and using their experience as advertising material. Both can have value, but they involve different responsibilities and should not be allowed to merge simply because an agency has found a compelling story. A leader needs to be prepared to change the brief after useful research exposes a reason to do so, and to carry the cost of that change honestly into the final account.
In May 2026, the team proposed a CNY6.8 million regional brand programme with a substantial media component. Recent operating discussions suggested that we did not yet understand which parts of the insurer's reputation different stakeholders were responding to. The media sponsor wanted to proceed while inventory was available, arguing that another research stage could become a reason never to commit. I agreed that the inquiry needed a decision purpose and a defined timetable. I approved CNY2.8 million for a nine-month research and interpretation programme instead, leaving CNY4 million of the proposed allocation uncommitted. The first stage, completed in July, comprised thirty-six interviews: twelve recent claimants, twelve renewing customers and twelve intermediary representatives. Recruitment, consent and handling of material followed a separately reviewed research process. This was qualitative work with selected participants, not a representative survey or a basis for estimating a population's trust score. The interviews produced different accounts of what made communication useful. Some participants concentrated on continuity of contact, others on the distinction between the intermediary and insurer, and others on whether a message acknowledged an unresolved question. I asked the team to preserve those differences rather than compress them into a favourable average or choose a single quotation as the campaign's answer. The research account identified questions for further examination with service and distribution colleagues. By October, that interpretation work was continuing and the later stage had not taken place. I did not report an improvement in reputation, renewal or premium volume. The programme had changed what we intended to learn before making another broad allocation, and it had given up the immediate exposure offered by the original proposal. The sponsor's concern remained legitimate: research should not become an indefinite refuge from a commercial decision. We therefore recorded the next decision date and the evidence the executive team expected to receive. I would assess whether the work had clarified a proposition worth supporting, whether operating changes were needed first or whether a smaller communication investment was more appropriate. The case is unfinished because the decision is unfinished. A public leadership account can explain why resources were committed to learning without pretending that the final finding or commercial return already exists.
Boardroom
Non-executive director
Full board; no committee-chair appointment
September 2023–present
Others say
Jianru stopped the promotional schedule without pretending that the cancellation was free. His recommendation showed the irrecoverable placement cost, the alternative communication and the responsibilities that remained with the operating teams.
He kept the publication timetable from becoming a demand for a claims answer we had not verified. When two updates were late, the communication acknowledged that fact instead of asking the team to supply certainty for the sake of the schedule.
An invitation
I am available for selected conversations about insurer reputation, intermediary communication and the relationship between public messages and operating capacity. I hold one non-executive directorship and would assess any additional commitment alongside my executive work and existing board calendar. A proposed contribution should have a defined purpose, appropriate consent and relationships that can be handled credibly.
office@jianruzhou.example