Core Insights - The China Actuarial Association released the "Experience Life Table for the Chinese Life Insurance Industry (2025)" at the Financial Street Forum, highlighting significant changes in population structure and life expectancy due to rapid economic development [1][2] Group 1: Life Table Trends - The expected lifespan of the insured population has increased by approximately 10 years from the first to the fourth life table [1] - Child mortality rates have significantly improved across all age groups, indicating advancements in China's healthcare system for children [1] - The mortality rate among the insured population in economically underdeveloped regions has decreased, reflecting the success of national strategies like poverty alleviation and rural revitalization [1] Group 2: Implications for Insurance Products - The life table provides a scientific basis for designing retirement insurance products, allowing companies to better meet the aging population's needs [2] - It supports the optimization of death risk coverage, enabling timely economic compensation during significant risk events [2] - The newly compiled life table offers insights for upgrading insurance product responsibilities, facilitating detailed customer segmentation and risk analysis [2]