Core Viewpoint - The article emphasizes the growing demand for safe and profitable financial tools in the savings insurance market, highlighting the unique features of the "Fumanjia C" whole life insurance product launched by Zhongying Life, which combines guaranteed returns with dividends to meet various financial needs [1]. Product Design - The Fumanjia C product features a dual return structure of "guaranteed returns + floating dividends," balancing safety and growth, making it an ideal tool for the current economic cycle [2]. - The guaranteed portion of the policy provides a safety net, ensuring that benefits are secure regardless of market fluctuations, thus safeguarding wealth [2]. - The floating dividends allow policyholders to share in the insurance company's investment success, offering potential returns that exceed inflation, which is crucial in the current low-interest-rate environment [2]. Fund Flexibility - The product offers high flexibility in dividend usage, allowing policyholders to choose how to manage their dividends, breaking away from traditional rigid distribution methods [3]. - There are four options for handling dividends: cash withdrawal, accumulation with interest, premium offset, and additional coverage purchase, catering to different financial needs [4][5]. Value Growth - The Fumanjia C product demonstrates rapid cash value growth, with the cash value exceeding total premiums paid by the fourth year, significantly reducing liquidity concerns [6]. - The internal rate of return (IRR) surpasses 2.0% by the fifth year, indicating strong mid-term growth potential, making it suitable for short to medium-term financial planning [6][7]. Asset Utilization - The product features clear and transparent rules for reducing coverage, allowing for orderly access to funds, which is crucial for liquidity [8]. - The contract stipulates a maximum reduction limit of 20% of the basic coverage, ensuring reliability and legal protection for policyholders [8]. Insurer Strength - Zhongying Life is backed by strong shareholders, including COFCO Group and Aviva, combining local resources with global expertise [9]. - The company boasts robust financials, with total assets exceeding 108.3 billion and a solvency ratio well above regulatory requirements, indicating strong risk resilience [9][10]. - The company has maintained a high risk rating of "AAA," reflecting its financial stability and operational integrity, which supports the long-term viability of its dividend insurance products [10]. Target Audience and Recommendations - The Fumanjia C product is particularly suitable for investors seeking stable mid to long-term returns, families planning for education or retirement, and high-net-worth individuals focused on efficient asset transfer [11]. - It is recommended that investors consider this product as part of a broader financial strategy, especially in a low-interest-rate environment, to build a protective wealth framework [11].

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]