Core Viewpoint - In a low-interest-rate environment, dividend insurance that balances "guaranteed benefits" and "floating dividends" has become an important choice for cross-cycle wealth planning [1] Group 1: Challenges of Low-Interest Rate Cycle - The continuous decline in interest rates in China has reshaped the asset allocation logic for families, with the expected rate for ordinary life insurance products dropping to 1.90% by Q3 2025 [2] - The insurance industry is innovating and developing "guaranteed + floating benefit" products to meet the dual demands for financial stability and growth during low-interest periods [2] - The core value of asset-liability matching is emphasized, as insurance companies must align the duration of liabilities with assets to navigate market fluctuations and fulfill long-term commitments to clients [2] Group 2: Strength of Asset-Liability Matching - The asset-liability management capability of insurance companies is crucial for the long-term value realization of dividend insurance, with Zhongyi Asset Management exemplifying this practice [3] - Zhongyi Asset has invested in national infrastructure projects, leveraging long-term capital advantages to enhance investment stability [3] - The company has won multiple awards for its investment capabilities, reinforcing its support for the long-term operation of dividend insurance [3] Group 3: Long-Term Commitment and Product Value - The long-term operational capability of insurance institutions is a key consideration for selecting dividend insurance, evaluated through three dimensions: operational stability, investment support, and risk resilience [5][6] - Zhongyi Life has achieved over 10 years of profitability, self-sufficiency through internal capital, and consistent shareholder dividends, demonstrating robust operational results [5] - The company maintains a comprehensive solvency ratio of around 200% and has consistently held AAA/AA risk ratings for nine consecutive quarters, ensuring a solid risk barrier for clients [6] Group 4: Market Recognition and Product Impact - Zhongyi Life's "Yisheng Zhongyi" series of dividend insurance products has gained significant market recognition, attracting over 26 million interests and helping nearly 160,000 families manage wealth exceeding 17.4 billion [9] - The value of dividend insurance lies in its ability to provide long-term support rather than short-term gains, with Zhongyi Life committed to being a lifelong partner for clients [9] - The company aims to continue building a solid foundation for long-term wealth planning, ensuring sustained client satisfaction and financial security [9]