二、接此批复文件后，中国人寿保险股份有限公司阜新蒙古族自治县支公司新民镇营销服务部应立即停 止一切经营活动，于15个工作日内向阜新金融监管分局缴回许可证，并按照有关法律法规要求办理相关 手续。 一、同意撤销中国人寿保险股份有限公司阜新蒙古族自治县支公司新民镇营销服务部。 2025年12月22日，国家金融监督管理总局阜新监管分局发布批复称，《中国人寿（601628）保险股份有 限公司辽宁省分公司关于中国人寿保险股份有限公司阜新蒙古族自治县支公司新民镇营销服务部撤销的 请示》(国寿人险辽发〔2025〕394号)收悉。经审核，现批复如下： ...

2025年12月22日，国家金融监督管理总局阜新监管分局发布批复称，《中国人寿（601628）保险股份有 限公司辽宁省分公司关于中国人寿保险股份有限公司阜新蒙古族自治县支公司大板镇营销服务部撤销的 请示》(国寿人险辽发〔2025〕389号)收悉。经审核，现批复如下： 二、接此批复文件后，中国人寿保险股份有限公司阜新蒙古族自治县支公司大板镇营销服务部应立即停 止一切经营活动，于15个工作日内向阜新金融监管分局缴回许可证，并按照有关法律法规要求办理相关 手续。 一、同意撤销中国人寿保险股份有限公司阜新蒙古族自治县支公司大板镇营销服务部。 ...

Group 1 - The core viewpoint of the articles highlights the insurance industry's proactive response to emerging consumer needs and risks associated with new consumption scenarios, particularly in tourism, sports, and healthcare [1][2][3][4][5][6]. Group 2 - The launch of the Hainan island's closure operation has prompted insurance companies to tailor risk protection products for new tourism activities, including yacht outings and rainforest adventures [1]. - The "Soochow Super League" has driven insurance companies to innovate comprehensive coverage products for events, ensuring safety for participants and spectators [2]. - Insurance companies are developing specialized products to address risks in new consumption areas, with a focus on tourism, sports, and entertainment, including a matrix of 35 dedicated insurance products [3]. - The insurance sector is increasingly recognized for its role in stabilizing consumer expectations and enhancing confidence through innovative products like income loss insurance and long-term care insurance [4][5]. - Insurance funds are being utilized to support consumer infrastructure, such as the successful listing of the first agricultural market REIT in China, which promotes local consumption and economic activity [6].

12月23日，惠民保障再升级健康守护更安心"枣惠保2026"政策解读暨服务答疑新闻发布会在枣庄市会展中心召开。会上，中国人寿（601628）财产保险股 份有限公司枣庄中心支公司总经理邵兵就"枣惠保2026"和往期相比，在保障责任上新升级部分回答了记者的提问。 邵兵表示，"枣惠保2026"的保障责任主要有三大核心升级。首先，新增在线问诊药品保障。针对6-65周岁参保人，如选择增加30元互联网门诊险加油包， 可享受覆盖700种指定病症、2000种指定药品，不仅享受0元起付线、75%赔付比例的药品费用报销(单次最高赔付500元，每月最多2次，全年24次，累计 保额1.2万元)，还可免费享受不限次线上问诊服务，实现了从大病医疗保障到日常健康服务的延伸。 齐鲁晚报.齐鲁壹点刘臣 其次，优化赔付责任起付线与比例。住院医保目录内费用，1.5万元-10万元(含)赔付20%，10万元以上赔付70%，目录外费用1.5万-10万元(含)赔付15%、10 万元以上赔付30%；门诊特药无既往症赔付60%、既往症赔付50%；罕见病药品及特医食品无差别赔付70%，且特医食品无起付线，保障门槛更贴合群众 实际需求。 最后，拓展保障覆盖品类。 ...

Core Insights - The report analyzes the core challenges and strategic choices faced by the Chinese life insurance industry under the long-term downward trend of interest rates and the regulatory push for a "dynamic interest rate adjustment mechanism" [1] - It highlights the historical shift from traditional fixed-income products to floating-income products, particularly focusing on dividend insurance as a new growth point [1] - The report emphasizes the importance of understanding the relationship between interest rates, pricing, and product structure in navigating the current transformation logic [1] Summary by Sections Interest Rate and Pricing Relationship - The pricing of life insurance products, especially long-term savings and protection products, follows the principle of actuarial balance, where premiums are calculated based on the present value of insurance payouts divided by (1 - expense ratio) [3] - The predetermined interest rate is crucial as it represents the long-term return promised to customers and the company's liability cost [3] - Historical cases show that the global insurance industry has faced significant crises due to poor management of interest rate risks, leading to regulatory caps on predetermined interest rates to prevent systemic risks [3] Product Structure Evolution - The evolution of product structure in the Chinese life insurance market is closely linked to macroeconomic interest rate cycles and regulatory policy adjustments [6] - The regulatory environment has led to cyclical changes in product structure, with dividend insurance becoming mainstream during periods of low predetermined interest rates [3][6] Market Trends and Company Strategies - As of 2023, the downward adjustment of predetermined interest rates and the establishment of a dynamic adjustment mechanism have fundamentally impacted product structures, reducing the attractiveness of traditional fixed-income products [12] - Companies like Xinhua Insurance have seen a significant increase in the proportion of dividend insurance premiums, indicating a historical shift in product structure [10] - Major listed insurance companies are transitioning from strategic consensus to tactical execution, with differentiated paths based on their resource endowments [14] Future Growth Opportunities - The recent regulatory approval for dividend-type long-term health insurance, particularly critical illness insurance, is seen as a milestone for optimizing the industry's benefit structure and stimulating demand [17] - The potential market gap for critical illness insurance is significant, with estimates indicating a health protection gap of $143 billion in China by 2024 [19] - The development of dividend critical illness insurance is expected to follow successful models from Hong Kong, focusing on low guarantees and high dividends to address inflation concerns [20] Strategic Recommendations - Insurance companies should make clear strategic choices between low-risk, high-guarantee products for the mass market and high-risk, high-flexibility products for high-net-worth clients [22] - Enhancing long-term investment capabilities and integrating health/retirement ecosystems are essential for increasing product value and customer loyalty [23] - The transformation requires a systemic approach, considering regulatory requirements, customer needs, and economic trends, to establish a competitive advantage in the evolving market landscape [25]

一、同意中国人寿财产保险股份有限公司五华区支公司将营业场所变更为：云南省昆明市五华区泛亚科 技新区绿地香树花城(D地块)4号楼20层办公2002-2005号。 二、中国人寿财产保险股份有限公司五华区支公司应按照有关规定及时办理变更及许可证换领事宜。 中国人寿 中国人寿 分时图 日K线 周K线 月K线 46.53 0.17 0.37% 2.11% 1.40% 0.71% 0.00% 0.71% 1.40% 2.11% 45.38 45.71 46.03 46.36 46.69 47.01 47.34 09:30 10:30 11:30/13:00 14:00 15:00 0 17万 34万 51万 2025年12月15日，云南金融监管局发布批复称，《关于中国人寿（601628）财产保险股份有限公司五华 区支公司变更营业场所的请示》(国寿财险滇发〔2025〕126号)收悉。经审核，现批复如下： ...

二、中国人寿财产保险股份有限公司榆林中心支公司应按照有关规定及时办理变更及许可证换领事宜。 中国人寿 中国人寿 分时图 日K线 周K线 月K线 46.53 0.17 0.37% 2.11% 1.40% 0.71% 0.00% 0.71% 1.40% 2.11% 45.38 45.71 46.03 46.36 46.69 47.01 47.34 09:30 10:30 11:30/13:00 14:00 15:00 0 17万 34万 51万 2025年12月18日，榆林金融监管分局发布批复称，《中国人寿（601628）财产保险股份有限公司榆林中 心支公司关于定边支公司营业场所变更的请示》(国寿财险榆发〔2025〕86号)收悉。经审核，现批复如 下： 一、同意中国人寿财产保险股份有限公司榆林中心支公司将营业场所变更为：陕西省榆林市定边县西环 路东侧德悦居小区门面101、201-204。 ...

二、中国人寿财险晋中市中心支公司应按照有关规定及时办理变更及许可证换领事宜。 一、同意中国人寿财产保险股份有限公司左权县支公司将营业场所变更为：山西省晋中市左权县北大街 地税局西帝君宾馆6层601室、602室、603室、604室。 中国人寿 中国人寿 分时图 日K线 周K线 月K线 46.53 0.17 0.37% 2.11% 1.40% 0.71% 0.00% 0.71% 1.40% 2.11% 45.38 45.71 46.03 46.36 46.69 47.01 47.34 09:30 10:30 11:30/13:00 14:00 15:00 0 17万 34万 51万 2025年12月17日，国家金融监督管理总局晋中监管分局发布批复称，《中国人寿（601628）财险晋中市 中心支公司关于左权县支公司变更营业场所的请示》(国寿财险晋中发〔2025〕228号)收悉。经审核， 现批复如下： ...

Core Viewpoint - The case highlights a significant breach of trust within the insurance industry, where an employee of China Life Property Insurance Co., Ltd. engaged in fraudulent activities, leading to substantial financial losses for the company [1][9]. Group 1: Fraudulent Activities - The employee, Hu, assisted an external accomplice, Jiang, in submitting false insurance claims, resulting in a total fraud amount of 1.229852 million yuan (approximately 122.99 million) [1][13]. - Hu received a total of 540,000 yuan (approximately 54 million) as kickbacks for facilitating the fraudulent claims [1][5]. Group 2: Legal Proceedings - The case underwent multiple legal processes, including a first-instance trial, an appeal, and a final judgment by the Yichun Intermediate People's Court, which sentenced Hu to five years in prison for fraud [1][9]. - The court determined that Hu's actions constituted a significant role in the fraud, leading to a conviction for fraud rather than bribery, despite his defense arguing otherwise [11][13]. Group 3: Internal Control Failures - The case revealed critical failures in the internal control mechanisms of China Life Property Insurance, as Hu, despite recognizing the fraudulent nature of the claims, chose to proceed with the submission [8][12]. - The insurance company's risk control system, which should have acted as a firewall against such fraud, was compromised due to Hu's negligence and unethical behavior [8][12].

Core Viewpoint - The article emphasizes the evolution of the concept of "going to sea" in Taizhou, highlighting the region's strong manufacturing base and the role of insurance as a safety net for businesses and individuals venturing into new opportunities [1]. Group 1: Industry Overview - Taizhou is recognized as one of the birthplaces of China's private economy, with over 13,000 manufacturing enterprises established along the Yuhuan coast by 2024 [1]. - The region's manufacturing includes a wide range of components such as pumps, valves, molds, and automotive parts, showcasing the entrepreneurial spirit of the local population [1]. - The insurance industry is portrayed as a crucial support system, providing long-term risk management and security for those engaging in business ventures [1]. Group 2: Insurance Sector Insights - The insurance market in China is undergoing significant transformation, shifting from a focus on product sales to providing professional services and long-term support [8]. - The increasing aging population has led to a rise in demand for long-term insurance solutions, as individuals seek more substantial guarantees for their future [8]. - The article highlights the importance of building trust and long-term relationships between insurance agents and clients, emphasizing that effective communication is key to understanding clients' evolving needs [12]. Group 3: Personal Journey in Insurance - The narrative follows a sales agent's journey in the insurance industry, illustrating the challenges faced and the determination to succeed despite initial skepticism from others [6][9]. - The agent's commitment to lifelong learning and professional development is underscored, as they adapt to the changing landscape of the insurance market [17]. - The agent's involvement in philanthropy, particularly through educational initiatives, reflects a broader commitment to social responsibility within the insurance profession [14][15].