新春伊始，万象更新，正是启航之时。一段时间以来，"爱你老己"这一网络热梗席卷社交平台，被网友 盛赞为"有史以来最好的梗"。这简简单单四个字之所以打动我们，是它强调了对自我的认可。真正 的"爱己"，不仅是温柔的悦纳，更是勇敢地投资一个更具成长性的未来。 精彩的人生永远是个人发展与时代脉搏同频共振的耀眼光谱。在健康中国战略的推动下，大健康产业正 迎来前所未有的发展机遇。2025年，大健康市场规模已突破十万亿元。2026年，泰康迎来"三十而立"的 里程碑时刻。三十年，向善而新；三十年，洞见未来。泰康保险集团于新春之际，正式启动2026年 度"大健康事业合伙人"招募计划，向所有心怀热忱、渴望突破的你发出邀请：加入泰康大健康事业合伙 人行列，踩准"长寿时代"的节奏，入局健康财富管理新蓝海，在时代风口上，定义自己的事业新未来。 三端协同模式创新，领跑新寿险时代 长寿时代已来，泰康创新性提出"支付+服务+投资"三端协同的新寿险，整合虚拟保险和实体医养，构 造"长寿、健康、财富"三大闭环，形成"泰康之家、幸福有约、健康财富规划师"三张名片。区别于传统 的保险销售，HWP在新寿险下以"保险顾问+医养顾问+理财顾问"为核心职业素 ...

Core Viewpoint - The recent leadership change at Taikang Life Insurance may indicate a strategic optimization in response to the evolving market environment as the company approaches its 30th anniversary in 2026 [1][3]. Leadership Transition - On December 26, 2025, Taikang Life announced that Xue Jihao would take over as the interim head, replacing Cheng Kangping, who had served as general manager for nearly 10 years [2][3]. - This marks the third significant executive change within Taikang Insurance Group's subsidiaries in the past two years, highlighting a period of transition in the insurance industry [3]. Executive Background - Cheng Kangping, who has been with Taikang for 27 years, oversaw significant growth during his tenure, with total assets increasing from approximately 566 billion yuan at the end of 2016 to nearly 1.92 trillion yuan by Q3 2025 [5]. - Under Cheng's leadership, insurance revenue rose from about 118.3 billion yuan in 2017 to approximately 196.8 billion yuan by Q3 2025, and net profit grew from around 9.3 billion yuan to about 24.8 billion yuan in the same period [5][6]. Strategic Focus - Cheng was a key executor of the "New Life Insurance" strategy, which integrates life insurance with medical and elderly care services, creating a closed-loop ecosystem of "payment + service + investment" [6]. - The strategy aims to adapt to the "longevity era" and has seen stable growth in core business metrics during the 14th Five-Year Plan period [6]. Market Challenges - The insurance industry is currently facing challenges such as declining interest rates and a shift towards dividend insurance, which has impacted the productivity of personal agent channels [6]. - Taikang Life has been promoting personal pension products to enhance customer service, reflecting difficulties in expanding new individual insurance policies [6]. Financial Performance - As of mid-2025, Taikang Life remains a key revenue pillar for the Taikang Insurance Group, with net profits of approximately 15.998 billion yuan, while other subsidiaries also reported profitability [8]. - The company has been optimizing its branch network, closing over 200 branches since 2025, particularly in third and fourth-tier cities [8]. Governance and Management Structure - The management committee of Taikang Insurance Group consists of 19 members, including key executives from various subsidiaries, indicating a structured approach to governance [10]. - The group has been actively pursuing governance structure optimization and organizational changes to enhance operational efficiency since 2025 [10]. Aging Population and Elderly Care Strategy - Taikang has been expanding its elderly care services, with 43 projects across 36 cities and over 20,000 residents, positioning itself as a leader in the industry [13][14]. - The company is adapting its elderly care strategy to include community and home-based services, reflecting the competitive landscape as other major insurers also enter the market [12][14]. Occupancy Rates and Sustainability - The overall occupancy rate of Taikang's elderly care communities is approximately 58.8%, with a target of 80% occupancy for sustainable operations [14].

Core Viewpoint - The company emphasizes its commitment to high-quality development through "New Life Insurance," focusing on serving national strategies and addressing the needs of the aging population while achieving positive growth in revenue, new business value, and net profit [2][3][19]. Group 1: Financial Performance - The company achieved positive growth in annual operating income, new business value, and net profit, maintaining industry-leading solvency and surpassing a cumulative tax payment of 100 billion yuan [2][3]. - The retirement fund managed by the company reached nearly 1.3 trillion yuan, solidifying its position as the largest retirement fund manager in the market [3][13]. Group 2: Pension and Elderly Care Services - The company is expanding its pension and elderly care financial services, with innovative products like the "Happiness Agreement" series helping over 250,000 clients with retirement and health funding [3][13]. - The long-term care insurance pilot program has been successfully implemented in 33 cities, benefiting over 2 million people [3][13]. Group 3: Healthcare Integration - The company has invested over 70 billion yuan in building and operating healthcare facilities, with five hospitals under its management improving quality and efficiency [3][13]. - A recent emergency case demonstrated the seamless integration of insurance and medical services, showcasing the company's ability to provide comprehensive care and support [5][15]. Group 4: Organizational Development - The company is focusing on optimizing its governance structure and promoting a professional and youthful workforce, with over 64,000 professional staff expected to grow by over 20% by 2025 [6][16]. - The average age of the caregiving team is 37, with a significant portion being from the post-90s and post-00s generations, bringing vitality to the elderly care sector [7][16]. Group 5: Technological Innovation - The company is leveraging technology to enhance its services, with initiatives like the Smart Medical Care Laboratory developing intelligent systems for community health management [17][18]. - The company is transitioning from traditional data-driven approaches to AI-driven strategies, aiming to innovate in sales, investment research, and management platforms [17][18]. Group 6: Future Vision - As the company approaches its 30th anniversary, it aims to integrate its operations into the national "14th Five-Year Plan," focusing on high-quality development and the construction of a comprehensive healthcare ecosystem [19][20]. - The company recognizes the challenges of the aging population and aims to provide high-quality health and retirement services as part of its long-term strategy [18][19].

Group 1 - The core concept of the news is the launch of the "Laughing at the Future" city ambassador program by Taikang HWP, emphasizing health and wealth planning in the context of an aging population and evolving customer needs [1][3][5] - The aging population is driving a demand for diversified, complex, and high-quality services, leading Taikang to innovate a new life insurance business model that integrates "payment + service + investment" [3][4] - The HWP health wealth planners have evolved into a new type of high-performing agent team, with increasing premium contribution rates and a diverse educational background, enhancing their ability to provide comprehensive services to high-net-worth individuals [4][5] Group 2 - The "Laughing at the Future" city ambassador program aims to spread the brand's influence and showcase the professional image of HWP, with positive feedback from various institutions and plans for expansion in 2025 [5] - The program has successfully launched in 11 cities, with 134 outstanding practitioners recognized, highlighting the initiative's impact on both personal career growth and the promotion of a new lifestyle philosophy [5] - The transition from traditional agents to health wealth planners represents a significant career advancement, allowing individuals to contribute to societal value and customer satisfaction while embodying the "Laughing at the Future" ethos [4][5]

Core Insights - The article highlights the career transition of Chen Xue, who joined Taikang in July 2023 as a Health Wealth Planner (HWP), emphasizing her commitment to the health and retirement planning sector [3][4]. Group 1: Career Transition - Chen Xue's decision to join Taikang reflects her deep consideration of professional value and a strong belief in retirement security [3]. - Her background in the banking system provided her with essential skills in asset allocation and risk management, which she now applies in her new role [3][4]. - The encounter with Taikang's health industry model was pivotal for her career shift, as it aligns with her desire to offer comprehensive and empathetic service solutions [4]. Group 2: Professional Development - The transition to HWP necessitated a comprehensive upgrade of Chen's skills, integrating her financial expertise with Taikang's high-quality, full-lifecycle health and wellness service system [4]. - Chen has evolved into a professional capable of providing a one-stop service for retirement, health, and wealth management, addressing clients' needs throughout their entire lifecycle [4]. Group 3: Vision and Mission - Chen emphasizes the importance of Taikang's ecosystem in the longevity era, which aims to create a closed loop of longevity, health, and wealth [5]. - Her professional mission is to make insurance accessible, convenient, and affordable, contributing to people's longevity, health, and wealth, while positioning Taikang as a part of their happy lives [5].

Core Insights - The article discusses the emergence of Health Wealth Planners (HWP) in response to the aging population in China, highlighting the need for dignified aging planning as the elderly population is projected to reach 310 million by the end of 2024 [1][5] - The traditional insurance model is evolving into a new business model that integrates insurance with health and wellness services, creating a more comprehensive approach to client needs [2][3] Group 1: Industry Transformation - The insurance industry is transitioning from a "quantity-driven" model to a "quality-driven" model, with the HWP role emerging as a new profession that addresses the uncertainties of aging through professional planning [5] - The new model combines insurance, health care, and wealth management, allowing agents to provide a more holistic service to clients [3][5] Group 2: HWP Development and Support - There are over 30,000 HWPs at Taikang Life, who are reshaping the insurance sales model and driving the overall upgrade of the insurance agent workforce [3] - Taikang Life offers comprehensive support for HWP development, including recruitment, training, and incentives, focusing on ten core dimensions for deep empowerment [3] Group 3: Client-Centric Services - HWPs provide clients with not just insurance policies but also access to health and wellness facilities, enhancing the client experience and creating long-term relationships [3][4] - The innovative "1+N" multidisciplinary care model at Taikang's retirement communities addresses the dual challenges of healthcare and aging, ensuring that elderly clients receive both medical care and quality of life improvements [4]

Core Insights - The opening of the Taikang Home Tongyuan Experience Center in Nantong marks a significant step in providing high-quality elderly care services in the region, aligning with the city's reputation for longevity and quality of life [1][2] Group 1: Project Overview - The Taikang Home Tongyuan project covers approximately 120,000 square meters and plans to build around 1,500 elderly care units, with a rehabilitation and nursing medical institution included [1] - The community is expected to officially operate by the fourth quarter of 2027, aiming to set a new standard for elderly care in Nantong and the Yangtze River Delta region [1] Group 2: Community Features - The Taikang Home Tongyuan Experience Center spans about 600 square meters and integrates Taikang's elderly care service philosophy with local cultural elements, providing an immersive experience for seniors [1] - The community will implement a "1+N" multidisciplinary care model, offering a range of services from independent living to professional nursing care [4] Group 3: Strategic Importance - Nantong is recognized as a "Happy City" with high satisfaction in elderly services, providing a solid foundation for high-quality elderly care [2] - The project is part of Taikang's broader strategy to establish a comprehensive elderly care service network in Jiangsu, with multiple facilities already operational or under development [6][8] Group 4: Local Context - Jiangsu province has entered a "longevity era," with over 3.25 million residents aged 80 and above, highlighting the increasing demand for elderly care services [6] - Nantong, as a certified "World Longevity City," has a significant number of centenarians, emphasizing the need for innovative elderly care solutions [6] Group 5: Community Engagement - Residents of Taikang communities have shared positive experiences, highlighting the benefits of the integrated care model, which includes proactive health monitoring and community activities [5]

Core Insights - The release of the "China Life Insurance Industry Experience Life Table (2025)" is a significant step for the insurance sector, set to be implemented on January 1, 2026, and reflects the profound changes in population structure and longevity trends [1] - The new life table indicates that China is entering an era of longevity, which brings challenges such as extended retirement payment periods and increased risks of chronic diseases and disabilities, necessitating scientific risk management and planning for health and retirement [1][2] - The insurance industry must innovate product offerings to cater to high-risk groups, including the elderly and those with pre-existing conditions, integrating health management and retirement services into comprehensive solutions [1][2] Company Initiatives - Aixin Life has focused on preventive healthcare management over the past two years, launching various health management plans aimed at providing effective coverage for underrepresented groups, particularly the elderly and those with chronic illnesses [2] - The company has introduced several key health management products, such as a comprehensive cancer prevention plan and specific medical coverage plans for high-risk groups, which have lower underwriting thresholds, allowing access for individuals over 75 and those with health issues [2] - Aixin Life's health management initiatives aim to shift the focus from disease treatment to health management, creating a closed-loop service that includes screening, expert consultations, and insurance coverage, thereby reducing the likelihood of disease occurrence [2][3] Industry Perspective - The arrival of the longevity era is prompting the insurance industry to redefine its role, emphasizing that insurance is not just about post-event compensation but also about comprehensive risk management throughout the life cycle [3] - The insurance sector is seen as a crucial support for the state in addressing aging populations, and companies must develop effective strategies to manage long-term payout risks [3] - Aixin Life is committed to meeting the genuine needs of the public by launching high-quality insurance products that transform the challenges of the longevity era into tangible benefits for the community [3]

Core Insights - The personal pension business is gaining momentum as individuals seek to take advantage of tax benefits before the end of the year, highlighting a growing awareness of the need for retirement planning [1][2] - The aging population in China is increasing, with the elderly population expected to rise from 145 million in 2015 to 220 million by 2024, leading to heightened concerns about retirement planning among younger generations [1][3] - The current low-interest-rate environment is putting pressure on the returns of pension financial products, making it more challenging for individuals to grow their retirement savings [2][4] Summary by Sections Personal Pension System - The personal pension system has been in trial since 2022, with various financial institutions offering products like pension savings, target pension funds, and commercial pension insurance [1] - The annual contribution limit of 12,000 yuan is increasingly seen as insufficient, indicating a shift towards proactive retirement planning among residents [1] Aging Population and Retirement Concerns - By 2023, the average life expectancy in China reached 78.6 years, and the elderly dependency ratio is projected to rise from 14.3% in 2015 to 22.8% in 2024, intensifying retirement anxiety among the younger population [1][3] - The report indicates that health issues and significant medical expenses are the primary concerns for residents regarding retirement, alongside the need for care as self-sufficiency declines [3][4] Financial Challenges and Product Offerings - The pension system in China is characterized by an imbalance, with the first pillar being dominant while the second and third pillars remain weak, leading to a low average pension replacement rate of about 45% [4][5] - The current low-interest-rate environment has led to a decline in the attractiveness of fixed-income products, pushing the market towards floating-return products [13][14] Product Development and Market Trends - The number of personal pension insurance products has significantly increased, with 140 products currently available, primarily in the form of annuity insurance [11][12] - The market is seeing a shift towards products that offer both guaranteed and floating returns, with 57.1% of available products falling into this category [13] Institutional Responses and Innovations - Financial institutions are increasingly focusing on comprehensive solutions to address the diverse needs of retirees, integrating financial products with services to create a holistic retirement ecosystem [16][18] - The introduction of long-term care insurance is seen as a critical step in addressing the care needs of the aging population, which is expected to grow significantly [16][17] Future Outlook - As the market evolves, there is a need for standardized assessment systems to improve service quality and ensure that consumers can make informed choices regarding their retirement planning [19][20]

Group 1 - The core concept of the article emphasizes the importance of asset allocation planning in the context of an aging population and the challenges posed by declining pension replacement rates [3][4] - The initiative "UP向上，投资有温度" by 中信保诚基金 aims to provide comprehensive wealth management support throughout the investor's life cycle, focusing on investor education and professional investment decision-making [1][8] - The event in Hainan specifically addressed the new opportunities for asset allocation in the "longevity era," highlighting the need for proactive financial planning to ensure adequate retirement resources [3][4] Group 2 - The article discusses the demographic changes in China, including a significant drop in birth rates and an increase in life expectancy, which are leading to a declining pension dependency ratio, projected to fall to 2.3:1 in the future [3][4] - It emphasizes that diversified asset allocation is essential for achieving stable retirement outcomes, as relying solely on social security is insufficient for maintaining a quality lifestyle [4][6] - Public funds are positioned as a crucial component in addressing the pension funding gap and enhancing the pension security system, with a diverse product matrix that caters to various retirement needs [6][7] Group 3 - As of September 30, 2025, the number of personal pension funds has reached 302, with over 98% of these funds generating positive returns since their inception, providing investors with a wider range of retirement investment options [7] - The article highlights that public funds not only serve as financial products but also play a vital role in building a multi-tiered and sustainable pension security framework, complementing basic pension insurance and corporate annuities [7][8] - The company plans to continue its initiatives to support investors in their asset allocation journey, ensuring that retirement expectations are met with solid financial backing [8]