【环球网财经报道 记者 冯超男】在2025年中国国际服务贸交易会（下称"服贸会"）的金融服务专题展上，各大金融机构纷纷围绕科技金融、绿色金融、普 惠金融、养老金融、数字金融"五篇大文章"，描绘出金融赋能实体经济的实践图景。 对于养老金融而言，作为金融服务体系的重要组成部分，是应对人口老龄化、支持银发经济发展、增进老年人福祉的重要着力点。"养老金融属于双向延伸 的金融业务，可以成为一个超大群体、超长周期、超级规模的金融市场。"9月13日，中国银行原行长李礼辉在本届服贸会的重要组成部分——第三届全球养 老金融大会上称道。 该负责人进一步表示，投保规则层面，部分产品将最高投保年龄进一步放宽，更好地契合银发经济市场的保障需求。领取方式也更为灵活和人性化，支持年 领、月领等多种选择，部分养老年金产品还支持即期领取，帮助消费者打造与生命等长的持续现金流。 发展养老金融需要实现"养老"和"金融"的深度融合，秉持着"养老为根本，金融为手段"的原则，但如今无法单凭金融手段解决全部的养老问题。当前，很多 老年人不再满足于存款储蓄传统养老方式，而是追求康养旅居、智能设备、健康管理等品质体现。 金融与服务深度融合，推动适老化改造 养 ...

Group 1 - The core viewpoint of the article highlights a recovery in the life insurance sector, with a reported original premium income of 2.1 trillion yuan for the first four months of 2025, showing a year-on-year growth of nearly 2% [1] - In April alone, the life insurance original premium income exceeded 280 billion yuan, marking a year-on-year increase of over 11% [1] - Analysts from multiple brokerage firms suggest that the current environment of declining deposit rates from commercial banks has made insurance products more attractive, contributing to the recovery in the life insurance market [1][2] Group 2 - The willingness of policyholders to make additional premium payments has shown signs of recovery, with new investment payments totaling 307.6 billion yuan from January to April, a year-on-year decline of nearly 5%, but April's new payments reached 47.1 billion yuan, reflecting a year-on-year growth of nearly 17% [2] - The future development of savings-type insurance products is expected to see a rise in dividend insurance becoming mainstream, driven by regulatory guidance and the push for differentiated and refined insurance offerings [2] - Under the backdrop of an aging population, products related to savings and pension annuities are anticipated to experience rapid growth [2]

Group 1 - The core positioning of Zhonghe Life Insurance is as a "proponent of healthy living," aligning with the national "Healthy China" strategy through a series of brand month activities [1][3][8] - The brand month activities focus on five core areas: health concepts, healthy living, health products, health management, and health services, utilizing a multi-faceted approach of "concept advocacy + scenario experience + value empowerment" [1][4][8] - The activities include online and offline events such as "Online Health Walk" and "Get Active for Health," promoting a holistic view of health that integrates physical and mental well-being [4][5][6] Group 2 - Zhonghe Life Insurance's brand month aims to create a health ecosystem that caters to all age groups and life stages, with activities designed to engage participants in both physical and psychological health [5][6] - The "Health Buddy Mobilization" theme activity focuses on healthy eating, mental health, and exercise, utilizing a team-based approach to encourage members to prioritize their health [6] - The company has established a women's exclusive club, "Miss Club," which has served 80,000 members and hosted nearly 900 events, enhancing its competitive edge in the women's health sector [6] Group 3 - Zhonghe Life Insurance emphasizes its commitment to social responsibility and public welfare through initiatives like "Dalian Inclusive Insurance," which benefits grassroots communities [7] - The company has introduced age-friendly pension products and offers a comprehensive health management platform, integrating insurance with health services [7] - The overarching goal is to position itself as a "health steward" for clients, moving beyond traditional insurance roles to become a builder of health ecosystems and a promoter of health culture [7][8]