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中意悠然安养养老年金保险(分红型)
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从资金规划到生活照护,一文读懂中意人寿的养老解决方案
Qi Lu Wan Bao· 2025-08-21 04:18
Core Insights - The aging population in China is a significant challenge, with 310 million people aged 60 and above, accounting for 22% of the total population, and 220 million aged 65 and above, making up 15.6% [1] - The insurance industry, particularly companies like Zhongyi Life Insurance, plays a crucial role in addressing the challenges of an aging society through innovative financial solutions [1][8] Product Matrix Development - Zhongyi Life Insurance has developed a multi-layered product matrix to provide wealth planning and risk protection tailored to diverse customer needs [2] Personal Pension Products - The company offers personal pension products such as "Zhongyi Youran Anyang Pension Annuity Insurance" and "Zhongyi Youran Eiyang Whole Life Insurance," which provide stable cash flow for retirement and tax benefits under the personal pension system [3] - "Youran Anyang" allows customers to choose when to start receiving pension payments, while "Youran Eiyang" combines insurance protection with wealth management features [3] Diverse Product Offerings for Financial Planning - In addition to personal pension products, Zhongyi Life Insurance provides a range of products to assist customers in early financial planning and risk management [4] - The "Yisheng Zhongyi" series of dividend-type whole life insurance offers lifelong coverage and the opportunity to share in company profits, while "Xinyi Wuyou" and "Suishou Guard" focus on income replacement and caregiving support [4] Quality Elderly Care Services - Zhongyi Life Insurance has launched the "Yue Yanglao" care service, which addresses various aspects of elderly care, including health, psychological support, and home modifications [5][6] - The service has gained recognition, covering 144,000 customers by mid-2025 and winning multiple awards for its quality [6] Strong Support for the Aging Sector - Zhongyi Life Insurance has established a robust investment management system, achieving a 5.7% annualized financial investment return over the past decade [7] - The company maintains a solvency ratio of around 200%, indicating strong financial stability and the ability to manage risks effectively [7] Strategic Role in Aging Population Solutions - Zhongyi Life Insurance aims to transition from simple financial planning to comprehensive solutions for aging, integrating the financial attributes of commercial insurance with social value [8] - The company is positioned to continue influencing the quality of elderly care through its strong market presence and innovative approaches [8]