深入洞察家庭资产配置需求 太平人寿推出“国威一号” 以产品创新与服务生态回应市场期待

Core Insights - The article discusses the launch of a new dividend-increasing whole life insurance product, "Tai Ping Guo Wei No. 1" by Tai Ping Life, aimed at addressing the market's demand for quality assets amidst a low interest rate environment [1][2] Product Launch - "Tai Ping Guo Wei No. 1" is designed to meet the diverse needs of consumers for life protection and wealth management, providing a long-term stable asset growth solution [1][2] - The product features a dual growth mechanism: the effective basic insurance amount and effective dividend insurance amount increase at a compound annual rate of 1.75% starting from the second policy year [2][3] Dividend Design - As a participating insurance product, policyholders can share in the surplus distribution of Tai Ping Life's dividend insurance business, with dividends allocated annually in the form of increased accumulated dividend insurance amounts [3] - The product offers flexibility with monthly premium payments and options for policy loans and reduced paid-up insurance, catering to various liquidity needs throughout different life stages [3] Service Enhancement - Tai Ping Life integrates medical and health services into its product value system, enhancing the overall protection and resilience for families [4] - The company has established a multi-tiered pension service system, covering 54 cities across 27 provinces by mid-2025, to meet diverse and high-quality retirement needs [5] Comprehensive Strength - Tai Ping Life's robust corporate foundation and comprehensive operational strength support the rapid iteration of products and the expansion of the "insurance + health care" ecosystem [6] - The company has received an "A" rating for nine consecutive years in the insurance industry evaluation by the China Insurance Association, reflecting its strong operational capabilities [6] Future Outlook - Tai Ping Life aims to deepen its strategic layout and contribute to the construction of a strong financial nation with higher quality products and services [7]