Core Viewpoint - The article highlights the launch of the "Fumanjia C" whole life insurance (dividend type) by Zhongying Life in October 2025, which meets the growing demand for safe and profitable financial tools amid declining interest rates and product updates [1] Product Design - The "Fumanjia C" product features low entry barriers and high flexibility, catering to diverse family financial situations, with coverage for ages from 30 days to 62 years and various payment options [2] - A limited-time promotional policy reduces the minimum premium significantly, making it accessible for ordinary families [2] - The product offers lifelong death coverage with dynamic adjustment of payout ratios based on payment stage and age, ensuring basic risk coverage for families [2] - Dividend payout options include cash, accumulation, premium offset, and increased coverage, with the "increased coverage" option recommended for its compounding benefits [2] Revenue Structure - The product employs a "dual-track" design for revenue, providing a guaranteed minimum interest rate of 1.5% and a projected dividend rate of 4.25%, which is notably high compared to the industry average [3] - The expected yield, assuming a 100% realization rate, can reach 3.425%, indicating significant long-term potential despite operational costs [3][4] Company Strength - Zhongying Life's strong performance in dividend realization rates, with an average of 102% in 2024, positions it favorably in the industry [4] - The company boasts a robust investment capability, with a comprehensive investment return rate of 15.59% in 2024, placing it among the top non-listed life insurance companies [4][8] Additional Services - The "Fumanjia C" product integrates lifecycle services, offering VIP health management benefits and community connections for elderly care, enhancing its value beyond a mere savings tool [9] Target Audience and Recommendations - The product is particularly suitable for investors seeking stable medium to long-term returns, families planning for children's education or retirement, and high-net-worth individuals focused on efficient asset transfer [10] - It is recommended that investors consider this product as part of a broader financial strategy, rather than as a sole retirement tool [10]