Sou Hu Cai Jing·2025-12-01 07:48Core Insights - The article discusses the launch of a new personal pension insurance product, "Shengshi Youxiang (2026) Pension Annuity Insurance (Dividend Type)," by Ping An Life to address the challenges posed by an aging population and to enhance the supply of pension insurance products [1][3] Group 1: Product Overview - "Shengshi Youxiang Red 26" offers multiple payment options and provides tax-deferred benefits, aiming to deliver a comprehensive pension solution that is cost-effective now and stress-free in the future [1][3] - The product is designed to meet the growing demand for retirement solutions as China transitions to a more diversified and market-oriented pension system [1][2] Group 2: Market Context - The personal pension system, introduced in 2022, has gained popularity, with over 70 million accounts opened by the end of November 2024, indicating strong public interest in pension financial products [2] - The system operates on a personal account basis, where contributions are fully borne by participants, emphasizing the importance of individual responsibility in retirement planning [2] Group 3: Financial Benefits - The product allows for flexible payment terms, with options for clients to choose based on their financial situation and retirement plans, ensuring stable annuity payments post-retirement [3][4] - Tax benefits are significant, with contributions up to 12,000 yuan per year being deductible from taxable income, and pension withdrawals taxed at a lower rate, enhancing retirees' income levels [5][9] Group 4: Additional Services - The product includes access to Ping An's comprehensive health management services, allowing policyholders to benefit from family health management solutions when combined with other health insurance products [6][7] - The family doctor service offers personalized medical management for family members, enhancing the overall value proposition of the insurance product [7]