友邦人寿发布其首款终身养老年金产品 “终身现金流”让长寿者尽享“好生活”

Core Insights - AIA Life Insurance has launched its first lifetime annuity products, focusing on providing lifelong, stable retirement cash flow to address financial challenges in the context of increasing life expectancy and low interest rates [1][2] Product Overview - The new product series includes "AIA Legacy Annuity Insurance (Participating)" and "AIA Future 2025 Honor Lifetime Insurance Product Plan," designed to support customers in building a comprehensive wealth system for retirement [1] - Both products utilize a participating mechanism, offering guaranteed annuity payments while incorporating dividend growth to meet diverse customer preferences during retirement planning [2] Specific Product Features - "AIA Legacy" emphasizes creating lifelong retirement cash flow, allowing customers to exchange lower cash value after starting annuity payments for more favorable premium rates and lifelong coverage [2] - The product guarantees a 20-year annuity payment period, ensuring certainty in retirement planning, with options for monthly or annual payouts [2] - "AIA Future" addresses dual customer needs for lifelong cash flow and pre-retirement savings, combining main and supplementary insurance to ensure continuous cash flow and wealth growth even in low-interest environments [3] Market Context - The launch aligns with China's increasing life expectancy, projected to reach approximately 80 years in the next five years, highlighting the urgent need for stable retirement solutions [1] - The government is actively promoting the development of the third pillar of pension insurance, indicating a supportive policy environment for the growth of the retirement financial system [1]