Core Viewpoint - The insurance industry is continuing the traditional "opening red" marketing campaign, focusing on dividend insurance products despite a shift away from this concept in recent years [1][4] Group 1: Dividend Insurance Products - During the "opening red" period, several insurance companies are promoting dividend insurance as their main product, with traditional fixed-income products becoming less common [2][3] - The guaranteed interest rate for the dividend insurance products being offered is 1.75%, with overall rates not lower than 3.2% [2] - Notable products include China Life's "Guoshou Xinhongfu" pension insurance, Xinhua Insurance's "Shengshi Rongyao" whole life insurance, and Ping An Life's various dividend insurance offerings [2] Group 2: Marketing Strategies - Insurance companies are employing strategies such as lowering entry thresholds and offering higher yields to attract customers during the "opening red" period [4] - Some companies have reduced the minimum purchase amount for certain products, indicating a competitive approach to increase sales [4] - The "opening red" period significantly impacts annual performance, leading to potential marketing distortions such as exaggerated claims and bundled sales [4] Group 3: Industry Trends and Future Directions - As consumer awareness of insurance increases, traditional short-term marketing strategies are becoming less effective, prompting a shift towards integrating products with comprehensive services [5][6] - Companies are exploring business opportunities beyond traditional policy sales, focusing on health management and retirement services to provide holistic solutions [5] - A long-term customer retention strategy requires a shift from product sales to customer relationship management, emphasizing service experience and efficient claims processing [5][6]