Core Insights - The "Fourth Insurance and Pension Integration and Development Forum" was held in Hefei, focusing on addressing the concerns of Chinese families regarding pension issues and exploring the integration of insurance and pension services [1][3] - A white paper titled "China Urban Commercial Pension White Paper 2026" was jointly released by Dajia Insurance Group and Nielsen IQ, highlighting three major uncertainties in the current pension landscape: demand, services, and wealth [1][2] Demand Insights - The white paper indicates that the ideal state of pension for Chinese seniors is rooted in traditional values such as national stability, family harmony, and filial piety [1] - It categorizes the understanding of quality pension into three levels: basic needs, high-quality needs, and dynamic needs [1] Service Insights - The traditional belief of "raising children for old age" is gradually changing, with about 50% of respondents no longer supporting this view; 35% of seniors with family care are open to institutional care [2] - Despite the shift in perception, concerns remain regarding the professional capabilities and sustainability of commercial institutions [2] Wealth Insights - The white paper emphasizes the importance of the safety of pension funds, advocating for the establishment of dedicated pension accounts to accumulate wealth over time [2] - Nearly one-third of respondents prefer pension communities operated by insurance companies, valuing brand credibility and contractual guarantees for quality resources [2] Innovative Solutions - The white paper introduces a "Three-Dimensional Nine-Question" diagnostic model for pension planning, allowing families to assess their pension strategies quickly and effectively [2] - As the pension industry transitions from scale competition to high-quality development, leading companies with brand and comprehensive service capabilities are expected to gain a competitive edge [2]