2025年前三季度弘康人寿偿付能力稳健，合规经营稳中有进

Core Viewpoint - Hongkang Life Insurance is committed to high-quality development amidst policy changes and market recovery, focusing on diversified product offerings and enhancing sustainable development capabilities [1][2]. Group 1: Financial Performance - As of Q3 2025, Hongkang Life Insurance achieved a net profit exceeding 402 million [2]. - The company reported strong growth in new business and stable renewal business, indicating improved business quality [2]. Group 2: Product Development - Hongkang Life Insurance is actively transforming its product offerings in response to the decline in preset interest rates, introducing 2.0% pricing rate products and new dividend insurance products [2]. - The new products include the updated versions of Hongkang Anxin Win Whole Life Insurance and Hongkang Wenchang Win Whole Life Insurance, aimed at meeting consumer wealth appreciation needs in a low-interest environment [2]. Group 3: Solvency and Risk Management - The core solvency adequacy ratio of Hongkang Life Insurance stood at 126.77%, while the comprehensive solvency adequacy ratio was 162.19%, indicating robust solvency [3]. - The company emphasizes compliance and prudent management, enhancing risk management capabilities to ensure sustainable development and reliable insurance protection for clients [3]. Group 4: Strategic Focus - Hongkang Life Insurance aims to deepen value-driven operations and address new insurance protection needs of the public, contributing to the financial sector's high-quality development [3].