Core Insights - The launch of the "Xinghai Winner Xuanwu Version (Dividend Type) Pension Annuity Insurance" by Fosun Puhua Life Insurance and Shouhui Group aims to address the growing demand for diversified pension solutions in the context of an aging population and low interest rates [1][2] Group 1: Industry Trends - By 2024, the proportion of the population aged 65 and above in China is expected to reach 15%, marking the entry into a deeply aging society, with increasing burdens on family pensions due to declining birth rates [2][3] - The third pillar of China's pension system, which includes personal commercial pension insurance, currently accounts for only about 6%, highlighting a significant gap that commercial insurance can fill as an important supplementary force in the pension system [2][3] Group 2: Product Features - The "Xinghai Winner Xuanwu Version" addresses two major pain points in pension planning: personalized withdrawal options and long-term value appreciation, offering three withdrawal plans and six product advantages to provide customized pension solutions [3] - The product combines guaranteed benefits with floating dividends, aligning with public demand for low-risk, stable cash flow, and is designed to be flexible and suitable for various demographic needs [2][3] Group 3: Future Directions - Fosun Puhua and its channel partners plan to deepen collaboration in product iteration, service optimization, and user education to promote the concept of "comfortable retirement" and contribute to the construction of a multi-tiered pension security system in China [3]
手回集团创始人光耀：长寿时代的风险是人类从未面临的新课题