泰康鑫享世家（庆典版）焕新上市：“更懂客户”的迭代，更全面的家庭财富保障

Core Viewpoint - The launch of the "Taikang Xinxiang Family (Celebration Edition)" lifelong insurance product marks a significant innovation in the insurance market, combining guaranteed and floating benefits to meet customer needs in an era of low interest rates and aging population [1][7]. Product Features - The product features a dual-functionality model of "protection + reserve," providing a safety net and asset growth for families [3]. - It includes a "double insured" design, allowing for shared benefits among family members, which enhances the policy's value and extends the duration of compound growth [3][5]. - The effective coverage amount increases by 2% annually starting from the second policy year, ensuring long-term financial security [3][6]. Market Positioning - The product is positioned to address three major customer pain points: expanded coverage, optimized benefit experience, and broader target demographic [5]. - New features include additional coverage for transportation accidents, improved surrender benefits for non-single premium customers, and an increased maximum insurable age to 75 years [5]. Competitive Advantages - The "Six Increases and Two Accelerations" framework enhances the product's appeal by addressing comprehensive customer needs, including increased effective coverage, cash value, dividends, and additional protections [6]. - The product leverages Taikang's health ecosystem and long-term capital management capabilities, offering dual benefits of flexible fund allocation and quality service [6]. Customer-Centric Approach - The continuous iteration of the product reflects the company's commitment to responding to market demands and providing families with diverse wealth planning and risk protection solutions [7].