Core Viewpoint - China People's Insurance Group (China Life) has launched a new internet-exclusive product, "Minxiangfu Lifelong Care Insurance," in collaboration with Xiaoyusan Insurance Brokerage and Chuangxin Insurance Sales, which integrates tax benefits, health protection, and wealth appreciation to provide customized solutions for different demographics, positioning itself as a new tool for family happiness [1] Group 1: Policy Empowerment - The insurance premium paid by policyholders can be deducted from personal income tax up to a limit, allowing various income groups to benefit from tax incentives [2] - The application process for Minxiangfu is convenient, allowing users to complete it via mobile without needing to go offline, and it supports coverage for family members, enabling "one person insures, the whole family benefits" [2] Group 2: Comprehensive Risk Coverage - The product focuses on 10 high-incidence specific diseases, including severe stroke sequelae and Alzheimer's disease, which have high incidence rates and treatment costs among the elderly, significantly impacting family finances [3] - Compensation standards vary by age: under 18 years can receive the greater of the paid premium or cash value; ages 18-60 can receive up to 160% of the paid premium or cash value; and those 61 and older can receive up to 120% of the paid premium, cash value, or basic insurance amount [3] Group 3: Lifelong Services - Minxiangfu offers lifelong services including "critical illness green channel + nursing," facilitating quick access to quality medical resources and providing professional nursing care to alleviate family caregiving pressure [4] - A VIP service system is available for clients meeting premium standards, offering comprehensive health management and lifestyle convenience services [4] Group 4: Wealth Management - Minxiangfu serves as a wealth management tool with stable appreciation attributes, helping policyholders achieve long-term asset preservation and growth [5] - The cash value growth is contractually guaranteed and not affected by market fluctuations, with examples showing significant cash value increases over time [5] Group 5: Corporate Backing - China People's Insurance, as the first insurance company in New China, has over 70 years of development, with total assets exceeding 600 billion and a strong presence in the industry [6] - The product is backed by China Life's extensive service network and risk control capabilities, ensuring operational safety and efficient service [6] Group 6: Tax Incentives - The tax incentive window for 2025 is now open, and consumers wishing to benefit from the current year's tax incentives must complete their insurance purchase by December 31, 2025 [7] - The product aims to provide a comprehensive solution of "tax savings, protection, and appreciation" to safeguard family happiness and plan for a better future [7]
解锁“节税+保障+增值”新选择，守护家庭幸福未来