本报记者闫明 通讯员陆璐 孙金库 崔广勋 "寒露"前后，正是山东省阳谷县辣椒成熟的季节。在阳谷县高庙王镇种植基地，成方连片的朝天椒已褪去青涩，火苗般"燃烧"起来。阳谷先运辣椒专业合作 社理事长兼柴庄村党支部书记方先运的脸在红辣椒映衬下泛着红光。他底气十足地告诉记者，合作社种植的辣椒已投保中国人寿财险山东省聊城市中心支公 司开办的辣椒系列保险，有保险保驾护航，阳谷朝天椒这一"红色引擎"一定能让辣椒产业更加"火红"，种植户的日子也会更加"红火"。 化解特色农产品种植风险 阳谷朝天椒素有"江北第一辣"的美誉。聊城市阳谷县高庙王镇分管农业的副镇长李敬贤介绍，北纬36°黄金农业带的独特气候和黄河冲积平原的肥沃土壤， 造就了阳谷朝天椒"色红、肉厚、味辣、香浓"的独特品质。阳谷县种植辣椒有300多年的历史，兴于明清的一首民谣流传至今："辣椒辣、辣仓上，军爷脱下 红衣裳；装满袋，束成捆，头晌赶阳谷，下晚卖东昌。" 今年中央一号文件明确提出"健全多层次农业保险体系，支持发展特色农产品保险。"为了化解辣椒特色产业生产经营风险，中国人寿财险聊城市中心支公司 与所辖阳谷支公司上下联动，专门成立"辣椒产业保障服务专班"，联合阳谷县农业 ...

Core Viewpoint - The article highlights the establishment of a comprehensive cherry insurance system in Guancheng County, Shandong Province, by China Life Property & Casualty Insurance, aimed at mitigating agricultural risks and supporting the development of the cherry industry [1][5][20]. Group 1: Insurance Product Overview - China Life Property & Casualty Insurance has created a cherry (tree) planting insurance that covers both cherry trees and fruits, providing compensation for losses due to various natural disasters [7][15]. - The insurance premium is set at 200 yuan per mu, with the county government covering 60% and farmers covering 40%, offering a maximum coverage amount of 6,000 yuan per mu [7][9]. - The insurance product has been enhanced to include a "tree insurance" component in addition to the existing "fruit insurance," reflecting a shift from post-disaster compensation to proactive risk management [5][9]. Group 2: Impact on Local Agriculture - The cherry planting area in Guancheng County has expanded to over 30,000 mu, making it the largest early-ripening cherry cultivation base in China, but has faced significant challenges from natural disasters from 2020 to 2023 [5][18]. - The introduction of the cherry insurance has led to a significant reduction in disaster losses for participating farmers, with over 97,000 yuan paid out in claims last year [9][20]. - The insurance scheme has encouraged nearly 7,000 mu of outdoor cherries to be insured, providing a safety net for local farmers [9][20]. Group 3: Financial and Government Support - The Guancheng County government has implemented a financial subsidy mechanism, contributing 144,000 yuan to the cherry insurance system, which has helped leverage social capital and promote proactive insurance uptake among farmers [18][20]. - The collaboration between various government departments and China Life Property & Casualty Insurance has created a multi-layered risk management system that integrates government support, market operations, and technological backing [16][18]. - The insurance initiative has resulted in a 40% increase in the scale of cherry seedling production, enhancing the overall stability and confidence in the cherry industry [16][18]. Group 4: Future Developments - In addition to cherry planting insurance, a new cherry seedling insurance product has been introduced to cover the entire lifecycle of cherry production, addressing risks from seedling cultivation to planting [11][15]. - The cherry seedling insurance covers 13 types of high-frequency risks, significantly increasing the risk coverage compared to traditional insurance products [15][20]. - The comprehensive insurance framework aims to ensure the sustainable development of the cherry industry in Guancheng County, with a total risk coverage of 60.11 million yuan [20].

Core Viewpoint - The article highlights the collaboration between the government of Linyi County, Shandong Province, and various insurance companies to establish a multi-layered agricultural insurance system, particularly focusing on vegetable industry insurance to support farmers and promote rural revitalization [1][4]. Group 1: Agricultural Insurance Development - The central government has emphasized the need to improve the agricultural insurance system, particularly for specialty agricultural products, as outlined in the 2025 Central No. 1 Document [1]. - Linyi County has developed a "vegetable target income insurance" model, which enhances farmers' income security against market price fluctuations and natural disasters [4][10]. - The insurance model has been in place for ten years, covering various vegetables such as garlic, chili, cucumber, and potato, ensuring farmers receive compensation when market prices fall below target levels [4][10]. Group 2: Financial Mechanism and Support - The vegetable target income insurance is funded with 60% of the premium covered by provincial, municipal, and county-level finances, while farmers only pay 40% [10]. - The insurance compensates farmers for income losses due to price drops or reduced yields, with a specific example showing a target income of 3,600 yuan per mu (approximately 0.067 hectares) [10]. - The total area insured for garlic and garlic sprouts has reached 283,600 mu, providing risk coverage of 567 million yuan for over 30,000 farmers [12][13]. Group 3: Impact on Farmers - Farmers express increased confidence in their vegetable production due to the dual insurance mechanism that protects both yield and price [5][12]. - The insurance scheme has led to a significant increase in participation, with expectations to cover around 760,000 mu of vegetable income insurance, mitigating production risks of approximately 1.15 billion yuan [13]. - The collaboration between government and insurance companies has effectively utilized financial resources to stabilize the agricultural sector and enhance farmers' income security [13].

Core Viewpoint - The implementation of the agricultural catastrophe weather index insurance in Tian Deng County, Guangxi, aims to provide financial protection against losses caused by drought and heavy rainfall, with a total risk coverage of 6 million yuan for 13 townships [1][2]. Group 1: Insurance Product Development - China Life Property & Casualty Insurance Guangxi Branch has developed a local government-subsidized agricultural catastrophe weather index insurance to address the challenges posed by natural disasters on grain production in Tian Deng County [2]. - This innovative insurance product utilizes weather indices based on meteorological factors such as temperature and precipitation to determine compensation for disaster losses, moving away from traditional crop-specific insurance [2]. Group 2: Benefits and Features - The weather index insurance offers a transparent and objective basis for claims, relying on authoritative meteorological data, which simplifies the claims process and speeds up compensation [2]. - In the event of agricultural meteorological disasters like heavy rainfall or drought, the insurance automatically triggers compensation for related agricultural disaster relief and recovery costs as per the insurance contract [2]. Group 3: Future Plans - The company plans to continue innovating and promoting local policy-oriented agricultural insurance products, enhancing service quality, and meeting the diverse insurance needs of agricultural production [3]. - The focus will be on accumulating underwriting experience and playing a stabilizing role in supporting rural revitalization efforts [3].