Core Insights - The launch of "Hongtu Companion Preferred Edition" by Zhonghong Insurance aims to meet the growing consumer demand for risk protection and wealth management in a volatile economic environment [1][5] Product Features - The product features a "dual-engine compound growth + annual participation in dividends" design, providing a wealth solution that combines growth and sustainability [2] - The annual protection amount increases by 1.75% compounded annually based on the basic insurance amount, while the dividend protection amount also grows at the same rate, unaffected by market fluctuations [2] - The product offers a high dividend distribution ratio of 70%, allowing customers to share in the company's operational success and enhancing the long-term value of the policy [2] Flexibility and Wealth Transfer - The product allows policyholders to access cash value through partial surrender or loans, with loan amounts up to 80% of the cash value and a 60-day interest-free period under certain conditions [3] - Policyholders can designate beneficiaries and set proportions for wealth transfer, ensuring efficient and precise inheritance while avoiding family disputes [3] - The product simplifies the underwriting process with a maximum no-exam coverage of 30 million, reducing barriers to obtaining insurance [3] Company Background and Financial Strength - Zhonghong Insurance, as the first Sino-foreign joint venture life insurance company, has nearly 30 years of experience in the Chinese market, with premium income exceeding 30 billion and a profit of 426 million, a 72% increase year-on-year [4] - The company has over 84.3 billion in investable assets in its dividend account, showcasing strong asset management capabilities [4] - Zhonghong Insurance employs a conservative "core-satellite" investment strategy, achieving an average investment return of 4.37% over the past three years, with robust solvency ratios [4] Strategic Vision - The "Hongtu Companion Preferred Edition" reflects Zhonghong Insurance's commitment to customer-centric innovation, positioning it as a preferred choice for families seeking long-term financial planning and risk management [5]

11月21日，2025年度第一财经金融价值榜·金融峰会颁奖盛典在上海隆重举行。中宏保险凭借在康养领域的持续创新与卓越实践，一举斩获"最具信赖康养品 牌保险公司"大奖。这已是中宏保险连续多年登上该权威榜单，不仅彰显了其在康养赛道的领先地位，更代表了业界对其品牌标杆价值的高度认可。 第一财经金融价值排行榜（CFV）是由第一财经发布的年度金融价值榜单，旨在通过专业财经资讯平台优势，汇聚智库和专家智慧，客观评估中国金融行业 公司与产品的价值。此次中宏保险获评"最具信赖康养品牌保险公司"，标志着其在康养战略落地、服务生态构建及产品创新等方面的成果获得了业界的一致 肯定。 差异化康养服务生态 构建全生命周期健康守护网 在人身保障方面，作为行业分红险的先行者，中宏保险凭借25载深厚的经营底蕴，针对不同层次的客户群体提供匹配的终身寿险产品。中宏保险即将推出 的"中宏宏图相伴尊享版终身寿险（分红型）"便是其精心打造的标杆产品，该产品具备1.75%年复利递增的双重递增保障额度、参与分红的长期增值潜力、 灵活的养老、教育和财富传承功能，以及简便的投保流程，更高的免体检额度，实现了保障与增值的双重目标。 此次荣获CFV"最具信赖康养 ...