手回联合复星保德信推出分红型养老年金险，专家建议关注保证领取期等指标

Group 1 - The core viewpoint of the article emphasizes the growing importance of commercial pension insurance in enhancing retirement security, with personal pension accounts exceeding 150 million by the end of Q3 2025 [1] - The newly launched "Xinghai Winner Xuanwu Version (Dividend Type) Pension Annuity Insurance" by Shouhui Group and Fosun Baodexin Life Insurance addresses two main pain points: personalized withdrawal and long-term value growth [1] - The founder of Shouhui Group, Guangyao, highlights the unique challenges posed by longevity, advocating for the integration of insurance, healthcare, and retirement to ensure quality living in old age [1] Group 2 - Professor Chu Fuling from Central University of Finance and Economics notes that the third pillar of China's pension system, which includes personal commercial pension insurance, accounts for only about 6%, indicating a significant gap in basic pension coverage [1] - Commercial insurance is identified as a crucial supplementary force in the retirement security system, playing a key role in enhancing the quality of retirement [1] - As pension annuity products become increasingly diverse, consumers are advised to focus on the insurance company's investment management capabilities and historical dividend realization rates when selecting products [1] Group 3 - Recommendations for younger individuals include choosing long payment periods with lower initial payments to leverage compound interest for retirement savings, while those nearing retirement should consider plans that allow for quicker access to pension benefits [1] - Flexibility in products, such as the ability to switch withdrawal plans and liquidity of cash value, is emphasized to meet unexpected financial needs [1]