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XChange TEC.INC operates as a professional insurance agency based in Shanghai, China, specializing in a wide array of insurance products provided by various insurers, including state-owned and regional property and casualty insurers. The company's offerings cover diverse insurance needs such as automobile, life, health, group accident, and other property-related insurances, focusing primarily on individual consumers seeking comprehensive coverage solutions.

In addition to its traditional insurance products, XChange TEC.INC has developed a Software-as-a-Service (SaaS) platform to enhance customer accessibility and convenience. This platform allows the company to provide extensive services to its online clientele, expanding its reach and enhancing customer engagement in the digital landscape.

XChange TEC.INC employs a robust distribution strategy that includes leveraging external referral sources such as registered sales representatives and strategic channel partners, alongside its in-house sales team. This multi-faceted approach ensures broad market penetration and effective customer outreach, solidifying its position in the competitive insurance market. Established in 2012 as FLJ Group Limited and rebranded as XChange TEC.INC in May 2024, the company remains committed to leveraging innovative technologies and strategic partnerships to drive growth and deliver value to its stakeholders.

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