国家金融监督管理总局：第四套生命表自2026年1月1日起实施

Core Viewpoint - The National Financial Supervision Administration has announced the implementation of the "China Life Insurance Industry Experience Life Table (2025)" starting January 1, 2026, which will affect how insurance companies assess their statutory reserve requirements based on mortality rates [1] Group 1: Implementation Details - The new life table will be mandatory for insurance companies when evaluating the minimum standard for statutory reserve liabilities [1] - Insurance companies are required to prudently assess the main responsibilities of their products and select the appropriate mortality rate table category [1] Group 2: Product-Specific Guidelines - For endowment and annuity insurance primarily focused on survival benefits, the pension-related mortality table should be used, while other products should use the non-pension-related mortality table [1] - Health insurance and term life insurance should utilize the non-pension-related mortality table one [1] - For whole life insurance primarily focused on death benefits, the non-pension-related mortality table one should be used, while other types should use the non-pension-related mortality table two [1] - Other product types should select the applicable mortality rate table based on their specific responsibility characteristics [1]