泰康泰盈人生2026A款上市 年金险成个人养老金重要伙伴

Core Viewpoint - The launch of TaiKang TaiYing Life 2026 annuity insurance aims to meet the long-term pension needs of clients in the context of an aging society, leveraging tax advantages and insurance certainty for retirement planning [1][2]. Policy Basis: Institutional Framework and Tax Benefits - The personal pension system in China is becoming more mature, with commercial pension insurance recognized as a key option for personal pension accounts [2]. - The policy framework allows for tax deductions of up to 12,000 yuan annually, with a maximum personal income tax deduction of 5,400 yuan, enhancing the tax benefits for higher income earners [2]. Tax Advantages: Flexible Configuration Reducing Pension Accumulation Costs - TaiYing Life 2026 aligns with personal pension policies, allowing clients to enjoy tax benefits through their pension accounts, maximizing fund efficiency [3]. - The product offers three layers of tax advantages: tax deductions on contributions, tax-free investment growth, and a reduced tax rate of 3% upon withdrawal [3]. Annuity Support: Core Vehicle for "Lifetime" Cash Flow - Annuity insurance is becoming a significant option in personal pension planning due to its certainty in benefits, with TaiYing Life 2026 providing guaranteed payouts and potential floating returns [4]. - The product guarantees lifelong payments starting as early as age 60, addressing retirement timing needs [4]. Additional Value: Universal Account for Secondary Growth - Clients can opt to channel survival benefits into a universal account, allowing for compounded interest and enhanced long-term benefits [5]. TaiKang's Advantage: Perfect Integration of Insurance and Medical Care Needs - TaiKang's early advantage in the medical and care service sector allows for a unique integration of insurance and retirement services, enhancing the appeal of TaiYing Life 2026 [7]. - The product can connect with TaiKang's retirement communities, providing clients with both stable annuity income and priority access to retirement facilities [7]. Industry Strength: Financial Stability and Asset Management - TaiKang has been recognized in the Fortune Global 500 for eight consecutive years, managing over 4.5 trillion yuan in assets and over 1.1 trillion yuan in pension funds, ensuring the stability of its products [8]. - The ongoing policy support and the role of insurance products as a stabilizing force in personal pensions are becoming increasingly evident, with TaiYing Life 2026 reinforcing the third pillar of retirement planning [8].