"这个职业，我能干到七八十岁，和我的客户一起慢慢变老"。 陈薇之，一名拥有20多年医疗领域背景的专业人士，海外留学归来后选择成为一名健康财富规划师 （HWP）。她的职业生涯转变，源于一个触动人心的观察："回国后，深圳还是像之前一样车水马龙， 但是那些在医院一起工作过的前辈，却已经满头白发。他们退休后该何去何从？" 截至2024年底，我国60岁及以上老年人口数量达到3.1亿。这不再是某个个体面临的思考，而是整 个时代的命题。陈薇之开始思考，长寿时代人们如何规划一个"有尊严的晚年"。 HWP将"保险顾问+医养顾问+理财顾问"融为一体，跨越保险、健康养老、财富管理三大领域。 我国寿险业正在经历从"数量驱动"转向"质量驱动"的转型。陈薇之说："HWP队伍正是在这一浪潮 下应运而生的新职业。通过专业的健康财富规划，将长寿时代的不确定性转化为可规划、可触摸的确定 性。" 在医院的工作经历，让陈薇之看尽生老病死，萌生了对生命价值的反思——我们总在应对"已发 生"，能否为"未发生"做点什么？当泰康HWP出现时，她毫不犹豫，决定"要从为人们救治当下，转向规 划未来"。 传统的保险代理人专注于风险保障方案的"传递者"，而长寿时代 ...

2025年12月14日，由世界500强企业泰康保险集团在江苏南通打造的大规模、全功能、高品质的连锁医 养社区——泰康之家 通园体验馆正式开放！泰康之家 通园体验馆的落地绽放，标志着泰康之家特色享 老生活方式已正式迈入南通这座兼具江海风情与长寿底蕴的城市。 泰康之家 通园位于江苏省南通市创新区，项目地上建筑面积约12万平方米，规划建设约1500个养老单 元，同时配建康复护理医疗机构，社区预计将于2027年第四季度正式投入运营。届时，这座崛起于南通 创新区的"享老新地标"，将为南通及长三角地区的长者带来全新享老生活范式，开启江海之畔高品质康 养新征程。 此次亮相的泰康之家 通园体验馆坐落于项目二期场地内，总建筑面积约600平方米，融合泰康之家养医 服务理念与南通地域特色的沉浸式体验场景，让长辈从硬件环境到软件配置、服务体系等方面，全方位 感受到泰康之家享老"金字招牌"的独特魅力。 泰康之家副总裁兼养老社区事业部总经理徐晓欢在致辞中表示，南通作为养老服务满意度位居全国前列 的幸福之城，早已为高品质养老奠定坚实基础。泰康之家十载耕耘，创新的养医融合模式为"长寿时 代"提供可复制的标杆样本，更与南通深耕"链式养老"、追 ...

张延苓女士认为，长寿时代的来临正在促使保险行业重新理解自身职责：保险不只是事后赔付，更是全 生命周期的风险治理；也不只是商业工具，更是国家应对老龄化的重要支撑力量。保险企业想要更好的 应对老龄化，就要有行之有效的手段来控制保险公司的长期赔付风险。通过爱心人寿的健康管理计划， 积极引导用户关注自身健康，为客户全生命周期护航的同时，还实现了保险公司、医院与用户的三赢局 面，为行业的可持续发展探索出了一条新路。 生命表的更新承载着人民对美好生活质量的改善期待，作为"社会稳定器"的保险行业，更应该为人民群 众托稳长寿生活。爱心人寿将始终以满足人民的切实需求为己任，推出更多优质保险产品，让长寿时代 的挑战真正转化为群众可感可及的保障增量！ 日前，国家金融监督管理总局正式发布了《中国人身保险业经验生命表(2025)》，该生命表将于2026年 1月1日起全面实施。生命表是人身险产品定价和风险管理的基础工具，也是国家应对人口老龄化的重要 制度支撑，折射出人口结构和长寿趋势的深刻变化。爱心人寿创始人、董事长张延苓指出，新生命表的 发布，为保险企业重构产品体系指明了方向，只有建立在真实生命规律之上的产品，才是人民真正需要 的保险 ...

Core Insights - The personal pension business is gaining momentum as individuals seek to take advantage of tax benefits before the end of the year, highlighting a growing awareness of the need for retirement planning [1][2] - The aging population in China is increasing, with the elderly population expected to rise from 145 million in 2015 to 220 million by 2024, leading to heightened concerns about retirement planning among younger generations [1][3] - The current low-interest-rate environment is putting pressure on the returns of pension financial products, making it more challenging for individuals to grow their retirement savings [2][4] Summary by Sections Personal Pension System - The personal pension system has been in trial since 2022, with various financial institutions offering products like pension savings, target pension funds, and commercial pension insurance [1] - The annual contribution limit of 12,000 yuan is increasingly seen as insufficient, indicating a shift towards proactive retirement planning among residents [1] Aging Population and Retirement Concerns - By 2023, the average life expectancy in China reached 78.6 years, and the elderly dependency ratio is projected to rise from 14.3% in 2015 to 22.8% in 2024, intensifying retirement anxiety among the younger population [1][3] - The report indicates that health issues and significant medical expenses are the primary concerns for residents regarding retirement, alongside the need for care as self-sufficiency declines [3][4] Financial Challenges and Product Offerings - The pension system in China is characterized by an imbalance, with the first pillar being dominant while the second and third pillars remain weak, leading to a low average pension replacement rate of about 45% [4][5] - The current low-interest-rate environment has led to a decline in the attractiveness of fixed-income products, pushing the market towards floating-return products [13][14] Product Development and Market Trends - The number of personal pension insurance products has significantly increased, with 140 products currently available, primarily in the form of annuity insurance [11][12] - The market is seeing a shift towards products that offer both guaranteed and floating returns, with 57.1% of available products falling into this category [13] Institutional Responses and Innovations - Financial institutions are increasingly focusing on comprehensive solutions to address the diverse needs of retirees, integrating financial products with services to create a holistic retirement ecosystem [16][18] - The introduction of long-term care insurance is seen as a critical step in addressing the care needs of the aging population, which is expected to grow significantly [16][17] Future Outlook - As the market evolves, there is a need for standardized assessment systems to improve service quality and ensure that consumers can make informed choices regarding their retirement planning [19][20]

Group 1 - The core concept of the article emphasizes the importance of asset allocation planning in the context of an aging population and the challenges posed by declining pension replacement rates [3][4] - The initiative "UP向上，投资有温度" by 中信保诚基金 aims to provide comprehensive wealth management support throughout the investor's life cycle, focusing on investor education and professional investment decision-making [1][8] - The event in Hainan specifically addressed the new opportunities for asset allocation in the "longevity era," highlighting the need for proactive financial planning to ensure adequate retirement resources [3][4] Group 2 - The article discusses the demographic changes in China, including a significant drop in birth rates and an increase in life expectancy, which are leading to a declining pension dependency ratio, projected to fall to 2.3:1 in the future [3][4] - It emphasizes that diversified asset allocation is essential for achieving stable retirement outcomes, as relying solely on social security is insufficient for maintaining a quality lifestyle [4][6] - Public funds are positioned as a crucial component in addressing the pension funding gap and enhancing the pension security system, with a diverse product matrix that caters to various retirement needs [6][7] Group 3 - As of September 30, 2025, the number of personal pension funds has reached 302, with over 98% of these funds generating positive returns since their inception, providing investors with a wider range of retirement investment options [7] - The article highlights that public funds not only serve as financial products but also play a vital role in building a multi-tiered and sustainable pension security framework, complementing basic pension insurance and corporate annuities [7][8] - The company plans to continue its initiatives to support investors in their asset allocation journey, ensuring that retirement expectations are met with solid financial backing [8]

Core Insights - The forum held by China Merchants Bank in Jinan focused on the challenges of retirement planning in the context of increasing life expectancy, emphasizing the need for proactive financial strategies to ensure sufficient funds for retirement [1] Group 1: Customer Needs and Challenges - A representative case from the forum highlighted a customer's concerns regarding the adequacy of pension funds against inflation, healthcare coverage, and overall retirement planning [1] - The McKinsey report identified three key deficiencies in retirement planning among residents: lack of confidence, insufficient planning, and inadequate savings [1] Group 2: Innovative Practices by China Merchants Bank - The "Rich Life: Retirement Solutions" festival launched by China Merchants Bank Jinan branch aims to create a comprehensive retirement ecosystem, integrating policy interpretation, knowledge dissemination, experiential learning, and product services [2] - The bank's app features a dedicated retirement section that allows customers to manage their retirement funds, assess their savings status, and estimate retirement income [2] Group 3: Financial Planning Methodology - China Merchants Bank introduced a "Three Funds" approach for retirement cash flow planning, which includes lifelong cash flow, flexible reserve funds, and risk preparation funds [3] - The bank utilizes its TREE asset allocation system, leveraging extensive customer data and intelligent models to create personalized financial plans [3] Group 4: Community Engagement and Services - The establishment of the "Rich Club" by the bank offers various community activities, including health lectures and art classes, to foster a supportive environment for elderly clients [4] - The bank has transformed its branches into community hubs, providing essential services and cultural activities for senior citizens [4] Group 5: Comprehensive Pension Financial Services - China Merchants Bank Jinan branch focuses on a multi-pillar pension system, providing comprehensive financial support through market-oriented services [5] - As of the end of October, the bank managed nearly 22 billion yuan in various pension assets and served over 550,000 personal pension clients [6] - The bank's commitment to social responsibility is evident in its approach to retirement planning, aiming to empower clients with financial and health management solutions [6]

Core Insights - The release of the "China Life Insurance Industry Experience Life Table (2025)" marks a significant shift in the life insurance sector, reflecting profound changes in population structure and longevity trends, which directly impact industry development logic [1][2][3] Group 1: Life Table Updates - The new life table will be implemented starting January 1, 2026, and represents a comprehensive coverage of industry data, significantly improving data processing efficiency [1] - The introduction of artificial intelligence and machine learning technologies allows for a more scientific and precise depiction of mortality rates and life expectancy [1] - The updated life table indicates a transition to a longevity era in China, with a general decline in mortality rates and an increase in life expectancy, highlighting improvements in healthcare and living standards [1] Group 2: Industry Transformation - The update of the life table is a crucial milestone for the transformation of the life insurance industry, as it shifts focus from sales-driven competition to actuarial capabilities, risk management, and product quality [2] - The new life table will influence product pricing structures, with declining mortality rates allowing for potential price reductions in death benefit products, while increased longevity may raise costs for annuities and pension products [2] - The life table's release necessitates a rethinking of product development logic, emphasizing the growing demand for chronic disease management, rehabilitation care, and long-term care solutions [2] Group 3: Regulatory and Governance Implications - Accompanying regulatory notifications outline the requirements for using the life table in rate determination, reserve assessments, and dividend distribution, establishing a strict retrospective mechanism [3] - These institutional arrangements aim to enhance industry governance, mitigate long-term risks, and improve the sustainability of product guarantees [3] - The life table's update encourages the industry to redefine its responsibilities, focusing on comprehensive risk management throughout the life cycle and supporting national efforts to address aging populations [3]

Core Viewpoint - The article emphasizes the increasing importance of pension finance in response to the accelerating aging population in China, highlighting the government's strategic focus on developing "pension finance" and "silver economy" during the 14th Five-Year Plan period [1][8]. Group 1: New Life Insurance Model - The "New Life Insurance" model proposed by Taikang Life integrates insurance with medical and elderly care services, creating a comprehensive service approach that aligns with national strategies [2][3]. - This model combines payment, service, and investment, generating multiplier and value effects, thereby enhancing customer satisfaction and ensuring stable returns for the insurance company [2][3]. Group 2: Financial Services for Elderly Care - Taikang Life has established a robust presence in pension finance, focusing on three main areas: pension financial products, elderly service finance, and elderly industry finance, contributing to the national pension system [4][5]. - The company has actively participated in the development of third-pillar commercial pension insurance, with 1.89 million insured individuals and a total premium of 314.4 billion yuan by September 2025 [4]. Group 3: Health Management and Integration - The integration of medical and elderly care services has been strengthened, with Taikang Life developing a comprehensive service network that covers the entire lifecycle of users [6][7]. - The company has implemented a health management model that combines health insurance, management, and services, benefiting over 11 million individuals and providing significant claims support [6]. Group 4: Infrastructure Investment - Taikang Life has invested 56.7 billion yuan in the elderly care and health sectors, establishing a network of 47 medical and elderly care projects across 37 cities, accommodating over 86,000 elderly individuals [5][6]. - The company has opened five major medical centers, serving over 8.8 million patients, demonstrating its commitment to building a comprehensive elderly care infrastructure [5][6]. Group 5: Future Outlook - Looking ahead to the 15th Five-Year Plan, Taikang Life aims to continue aligning its development with social needs, leveraging the "New Life Insurance" model to address challenges posed by an aging population [8].

Core Viewpoint - Financial institutions must deeply understand and meet the urgent needs of the elderly population regarding wealth preservation, stable growth, flexible withdrawals, and inheritance planning, as this is essential for high-quality development in a rapidly aging society [1] Group 1: Event Overview - On the Double Ninth Festival, Shanghai Bank Wealth Management and 21st Century Business Herald launched an online dialogue event titled "Wealth Forever: Shanghai Wealth Asset Allocation Festival" [1] - The event featured Professor Peng Xizhe from Fudan University, who discussed the population structure of Shanghai and how to scientifically plan for elderly life [1] Group 2: Elderly Population Insights - In Shanghai, 39% of the registered population is over 60 years old, and 29.4% are over 65, indicating a significant aging trend comparable to Japan [1] - The concept of "active elderly" should replace negative stereotypes associated with aging, emphasizing that retirement does not equate to a decline in life quality [2] Group 3: Financial Planning for Longevity - The approach to retirement planning has shifted from "consuming savings" to "long-term management," focusing on sustaining wealth over 30-50 years [2] - Financial planning now aims to support a vibrant "second life" rather than merely ensuring financial security [2] Group 4: Health and Financial Security - Health is prioritized over merely accumulating wealth, as it is crucial for maintaining the ability to generate income and avoid unexpected medical expenses [3] - The newly launched "Anxin Yixuan Changying (You Enjoy Dividend)" series by Shanghai Bank Wealth Management aims to provide sustainable cash flow for elderly clients [3] Group 5: Asset Allocation Strategies - A diversified asset allocation strategy is recommended, combining various financial products to achieve risk hedging and long-term stability [4] - The traditional view of inheritance should shift towards pre-planning and orderly gifting during one's lifetime to avoid disputes and witness family joy [5] Group 6: Market Demand for Elderly Financial Products - There is a mismatch in supply and demand for financial products tailored to the elderly, with a focus on safety and stability rather than high returns [6] - Bank wealth management products, primarily fixed-income, are well-suited to meet the stable growth needs of elderly clients [6] Group 7: Financial Institutions' Role - Financial institutions must act as "gatekeepers" to prevent risks, emphasizing the importance of choosing reputable and regulated entities [7] - Investor education is crucial to help clients understand the importance of stability over high returns and to avoid scams [7]

Core Insights - Jiangsu Province has released its 2025 Aging Development Report, marking the 17th consecutive year of publication, detailing the aging population status and development achievements across the province and its 13 cities [1] Population Aging Status - In 2024, Jiangsu's population aging shows characteristics such as zero growth in the resident population, a slight adjustment in the increase of the elderly population, a small rebound in birth rates, and an average life expectancy exceeding 80 years [1] - The province added 860,000 elderly individuals in 2024, with the total population aged 60 and above reaching 21.75 million, accounting for 25.5% of the total population, which is 3.5 percentage points higher than the national average [1] - The population aged 65 and above reached 15.94 million, representing 18.7% of the total, exceeding the national average by 3.1 percentage points [1] Longevity and Health - Jiangsu has entered a "Longevity Era," with 3.25 million residents aged 80 and above, making up 15.29% of the elderly population [2] - The number of centenarians reached 8,811, an increase of 128 from the previous year, with cities like Nantong and Xuzhou having over 1,000 centenarians each [2] - The province's average life expectancy has surpassed 80 years, achieving the "14th Five-Year Plan" goal ahead of schedule, reflecting improvements in the healthcare system and residents' health levels [2] Elderly Population Characteristics - By the end of 2024, the low-age elderly population (60-64 years) reached 5.81 million, an increase of 650,000 from the previous year, accounting for 75.6% of the elderly population growth [2] - The proportion of elderly individuals with a high school education or above has risen to 15.87%, an increase of 4.5 percentage points over the past decade, indicating a significant improvement in the educational level of the elderly population [2] Government Initiatives and Economic Development - The provincial government emphasizes aging work and integrates positive aging concepts into economic and social development, promoting the construction of an elderly-friendly society [3] - Jiangsu is focusing on developing the silver economy, particularly in elderly product manufacturing, elderly care services, and anti-aging industries, with 19 units applying to establish silver economy characteristic parks [3] - The province has seen the emergence of 59 smart health and elderly care products and services included in the national promotion directory, ranking among the top in the country [3] Social Security and Support Systems - Jiangsu has achieved full coverage of long-term care insurance across its 13 cities, with over 63.44 million insured individuals, the largest scale in the country [4] - The minimum standard for basic pensions for urban residents has increased from 208 yuan to 228 yuan, marking the 14th consecutive increase [4] - The province has implemented a nursing care title system, promoting the professionalization and vocational training of elderly care services [4]