在"十四五"规划收官与"十五五"谋篇布局的关键节点，中国人寿保险股份有限公司（以下简称 "中国人 寿"，股票代码：601628.SH，2628.HK）再迎发展里程碑——截至11月30日，公司总保费规模突破7000 亿元。这一数字折射出中国人寿卓越的综合实力、稳健的经营表现、持续的服务创新以及在服务国家战 略与民生保障方面的突出贡献。凭借多个维度的均衡发展与持续向好的发展趋势，中国人寿在财经网 2025年度金融业评选中获评为"年度寿险公司"。 业绩持续向好：盈利高增、结构优化、价值提升 中国人寿发布2025年第三季度报告，展现了公司在高质量发展道路上的稳健经营态势和持续增长动能。 报告显示，2025年前三季度，该公司实现归属于母公司股东的净利润1678.04亿元，在上年同期高基数 基础上实现大幅增长，同比增幅达60.5%。同期，公司总保费收入6696.45亿元，同比增长10.1%，业务 结构持续优化。其中，续期保费为4516.11亿元，同比增长10.0%，体现了存量业务的稳健贡献；新单保 费为2180.34亿元，同比增长10.4%，显示业务拓展态势良好。值得注意的是，前三季度新业务价值实现 强劲增长，较2024 ...

Core Insights - China Life Insurance Company reported strong performance in the first three quarters of 2025, with a significant increase in new business value and net profit, indicating robust business growth and operational efficiency [1][2] Financial Performance - New business value grew by 41.8% year-on-year - Net profit attributable to shareholders exceeded 167.8 billion yuan, a 60.5% increase from the previous year - Shareholder equity reached 625.83 billion yuan, up 22.8% from the end of the previous year - Total assets amounted to 7,417.98 billion yuan, with investment assets at 7,282.98 billion yuan, reflecting growth of 9.6% and 10.2% respectively [1][2] Business Growth - Total premium income reached 669.65 billion yuan, a year-on-year increase of 10.1% - New single premium income was 218.03 billion yuan, up 10.4% - All premium categories, including total premium, new single premium, and renewal premium, achieved double-digit growth [2] Asset-Liability Management - The company focused on value creation and efficiency improvement, enhancing the linkage between assets and liabilities - New single premium proportions for life insurance, annuity insurance, and health insurance were 31.95%, 32.47%, and 31.15% respectively, indicating balanced development - Total investment income reached 368.55 billion yuan, an increase of 107.13 billion yuan, with an investment yield of 6.42% [3] Product and Service Development - China Life introduced various innovative insurance products, including long-term disability income insurance and maternal and infant disease insurance - The company expanded its commercial annuity product system to meet diverse retirement needs, providing risk coverage of approximately 27 trillion yuan for small and micro enterprises and individual businesses [4] Customer Experience Enhancement - The company developed a comprehensive digital claims service system, with over 48 million claims processed in the first half of 2025 - The introduction of AI-driven services improved underwriting efficiency and customer service response rates [6][7] Digital Transformation - China Life is advancing its digital strategy, enhancing its data management capabilities and achieving international standards in data center operations - The company received multiple accolades for its innovation in financial technology and data management [8] ESG Governance - The company integrates ESG principles into its operations, focusing on sustainable development and green finance - Investments in green projects and the promotion of inclusive insurance products are part of its strategy to support national economic and social transformation [9]