以结构性创新回应社会养老关切 《华泰人寿鑫盛世养老年金保险（分红型）》获评“年度卓越养老年金产品”

Core Viewpoint - The aging population in China is driving a growing and diversified demand for retirement security, prompting Huatai Life to launch the "Huatai Life Xinsengshi Pension Annuity Insurance (Dividend Type)" product, which has been recognized as the "Annual Outstanding Pension Annuity Product" in the 2025 Financial Industry Awards for its innovative design and comprehensive customer experience [1][2]. Group 1: Product Features - The product addresses core challenges in China's pension system through structural innovation, offering a dual protection mechanism of "safety and stability + growth potential" [1]. - It provides a predictable financial guarantee against longevity risk through a unique design that includes increasing pension payments until age 105 and a high death benefit at age 99 [2]. - The product's design allows for a "high initial payout" and "high later payouts," balancing liquidity and security for customers [2]. Group 2: Inclusivity and Accessibility - The product is designed with inclusivity in mind, allowing individuals up to age 75 to purchase, reflecting a commitment to accessible financial services [2]. - It effectively addresses customer concerns about liquidity during the early stages of retirement savings while ensuring a stable income source in later years [2]. Group 3: Market Position and Strategy - Huatai Life has a strong track record in the dividend insurance sector, having disclosed dividend realization rates for 11 consecutive years since 2014, showcasing the company's robust dividend strategy and confidence in long-term operations [2]. - The company also connects various service resources in the fields of pension, health, and education, offering comprehensive support for customers holding the "Xinsengshi" policy [2]. Group 4: Future Outlook - "Xinsengshi" is positioned not just as an insurance product but as a future-oriented wealth solution for retirement, with Huatai Life aiming to provide a solid foundation for wealth growth through professional investment management and stable operations [3].