“保障+科技”双轮驱动，富德生命人寿获评年度产品创新企业

Core Insights - Innovation is the core driving force for sustainable development in the life insurance industry, as highlighted by Fude Life Insurance's recognition for product innovation in the 2025 Financial Industry Annual Awards [1] Group 1: Product Innovation and Development - Fude Life Insurance has continuously enriched its product offerings in four key areas: education, wealth, health, and retirement, emphasizing comprehensive protection and innovative features [1] - The company launched 58 new products in 2025, bringing the total number of products available to 99, including annuity insurance, life insurance, health insurance, and accident insurance [2] Group 2: Risk Management and Financial Strategy - In response to the low interest rate environment, Fude Life Insurance is shifting towards a model that emphasizes asset-liability management and business structure balance, moving away from reliance on high-cost liability products [2] - The company is enhancing its ability to hedge against interest rate risks by dynamically adjusting the predetermined interest rates of its products and extending asset durations while controlling liability durations [2] Group 3: Technology Integration - Fude Life Insurance is integrating AI and big data into its actuarial processes, transitioning from traditional pricing methods to personalized pricing strategies based on customer profiles [3] - The application of AI and big data has improved operational efficiency, risk management, and service optimization across various functions, including risk pricing and claims management [3] Group 4: Market Adaptation and Customer Focus - The company is actively exploring paths for developing floating income products in response to market trends, with various channels for dividend products already launched [4] - Fude Life Insurance aims to enhance its product system in health insurance, annuity insurance, and floating income products, focusing on a comprehensive service model that meets diverse customer needs [4] Group 5: Awards and Recognition - Fude Life Insurance received multiple awards for its innovative products, including the "2025 Today's Insurance - Annual Preferred Pension Insurance Product" for its "Fude Life Changying Life Annuity Insurance (Smart Version)" [5] - The company is committed to ongoing product innovation and service upgrades to meet the diverse needs of customers in a complex market environment [5]