迈向“十五五” 农银人寿书写服务国家战略的保险答卷

Core Viewpoint - The insurance industry plays a dual role as an "economic shock absorber" and "social stabilizer" in China's high-quality economic development narrative, with a focus on serving national strategies such as rural revitalization and common prosperity [1] Group 1: Insurance Industry's Role in National Strategy - The recent central financial work conference emphasizes the importance of "insurance" in addressing rural revitalization and common prosperity, highlighting the industry's mission to align with national strategies [1] - By 2025, the insurance sector is expected to contribute significantly to the "14th Five-Year Plan" and the upcoming "15th Five-Year Plan," with companies like Agricultural Bank of China Life Insurance (ABC Life) finding differentiated development paths [1] Group 2: Focus on Rural Elderly Care - The 2024 central financial work conference identifies "pension finance" as a key area, addressing the challenges posed by an aging population of 280 million and the urban-rural pension gap [2] - ABC Life has launched 81 pension savings products since 2025, with a total premium of 10.919 billion yuan, specifically targeting the rural elderly population [2] Group 3: Integration of Financial Services - ABC Life is enhancing its pension service integration capabilities by leveraging the resources of its parent company, creating comprehensive financial service solutions for clients in the pension industry [3] Group 4: Insurance's Role in Rural Revitalization - ABC Life is actively developing affordable and accessible insurance products tailored to the unique needs of rural clients, aiming to reduce the risk of poverty among these populations [4] - The company has introduced a product system that includes short-term accident, medium-term savings, and long-term pension products, with a total of 12 products designed for rural clients [4] Group 5: Investment in Rural Development - ABC Life is focusing on investment opportunities in rural revitalization, utilizing its substantial insurance funds to support agricultural security and rural industry development [5] - As of October 2025, the company has invested 5.318 billion yuan in rural bonds, demonstrating its commitment to enhancing services in the agricultural sector [6] Group 6: Inclusive Insurance Products - ABC Life is developing a range of inclusive insurance products aimed at underserved groups, including rural populations, new citizens, and small enterprises, under its "Hui" product series [7] Group 7: Accessibility of Services - The company has implemented "claims care services" to assist elderly and disabled clients, providing 1,313 home visits and handling claims amounting to 126 million yuan in 2025 [8] - ABC Life has established a digital platform for comprehensive online services, enhancing customer experience and efficiency in claims processing [8] Group 8: Commitment to Core Insurance Principles - Since its establishment, ABC Life has focused on returning to the core principles of insurance, emphasizing long-term protection products and undergoing significant reforms to enhance its operational efficiency [9] - The company aims to continue exploring sustainable models in pension finance and agricultural investments, aligning its growth trajectory with national strategies and public welfare [9]