Group 1 - The core theme of the forum was the migration of household wealth and the financial outlook during a bull market, with a focus on family insurance asset allocation strategies [1] - Risks faced by families are categorized into loss risks (such as accidental injury, critical illness, and death) and financial risks (including asset expenditure and asset ownership risks) [1] - The principle for family insurance allocation should prioritize basic risk protection before matching long-term planning [1] Group 2 - For families with a certain economic capacity, the proportion of insurance premiums can be increased to 12%-15%, incorporating "guaranteed + floating" investment-linked insurance products to align with children's education and retirement planning [2] - Recommended products for older adults include those that provide stable cash flow, such as annuity insurance, to ensure a stable economic source in retirement [2]