应对一人失能全家失衡风险，慧择线上独家推出爱德华2号失能收入损失保险

Core Viewpoint - The launch of the Edward No. 2 disability income loss insurance product addresses the significant gap in disability risk protection for families in China, particularly in the context of an aging population and increasing chronic diseases [1][3][8] Group 1: Product Overview - Edward No. 2 is a strategic product designed to fill the financial void created by disability risks, aiming to mitigate the impact of income loss and increased expenses when a family member becomes disabled [1][3] - The product offers a high cost-performance ratio, with a 30-year-old male paying an annual premium of 2,443.1 yuan for a coverage amount of 100,000 yuan, potentially receiving up to 2.36 million yuan by the end of the coverage period [5][6] - Coverage includes 50 specific severe diseases and accidental injuries, with options for additional benefits such as severe cancer compensation and mild disability compensation [6] Group 2: Market Context - The launch coincides with a critical moment in China, where the number of individuals with severe disabilities has reached 46.54 million, leading to an annual economic burden of 1.35 trillion yuan, which is 1.07% of the GDP [3] - The aging population and the rising incidence of chronic diseases, such as diabetes and lung cancer, are increasing the risk of disability among the middle-aged and elderly [3][8] - Current commercial disability insurance coverage is below 0.2%, highlighting the urgent need for products like Edward No. 2 to provide necessary protection [3][8]