大家保险首发“三维九问”模型寻路养老确定性

Core Insights - The article discusses the challenges posed by China's aging population and the need for a comprehensive approach to retirement planning, emphasizing that it is no longer just a family issue but a national concern [1][2] Group 1: Aging Population Challenges - As of the end of 2024, the population aged 65 and above in China is projected to reach 220 million, accounting for 15.6% of the total population, marking the country as a deeply aging society [2] - The transition to a deep aging society occurred rapidly, taking only 21 years from the onset of aging in 2000 to deep aging in 2021, compared to decades in other countries [2] - There is significant regional disparity in aging, with higher levels in southeastern regions and major urban centers, while western areas remain less affected [2] Group 2: Uncertainties in Retirement Planning - The "China Urban Commercial Pension White Paper 2026" identifies three main uncertainties that contribute to retirement anxiety: demand uncertainty, service uncertainty, and wealth uncertainty [3][4] - 43% of respondents worry about sudden health crises altering their living conditions, while 41.1% are concerned about the need for specialized care due to disabilities or cognitive decline [3] - 46.7% of respondents express concerns about the quality of services provided by commercial institutions, fearing poor service and potential business failures [3] Group 3: Wealth Management Concerns - The low-interest-rate environment raises concerns about the adequacy of traditional savings to cover retirement expenses, with 40.8% of respondents fearing investment losses and 30.4% worrying about prematurely using retirement funds [4] Group 4: Seeking Certainty in Retirement Solutions - The white paper introduces a "Three-Dimensional Nine-Question" diagnostic model to help families navigate retirement planning by focusing on demand, service, and wealth [5] - This model aims to transform vague retirement plans into quantifiable and actionable decisions, providing a framework for assessing retirement solutions [5][6] Group 5: Industry Response and Innovations - The "insurance + retirement" integration model is gaining traction, with various insurance companies exploring comprehensive solutions that cover the entire lifecycle [6][7] - As a practitioner of this model, the company has established 16 urban senior care communities in 14 cities, along with vacation therapy communities and home care centers, addressing the needs for proximity to medical services and family [7]