Core Viewpoint - Xinhua Life Insurance is committed to high-quality development through value growth, structural optimization, and quality improvement, focusing on enhancing customer service capabilities and operational management [1][2]. Group 1: Customer Service and Ecosystem Development - The company has launched the "Zun An Rui Yue" service brand and established a comprehensive service system to enhance product sales and improve competitive strength [1]. - Xinhua Life has integrated medical resources to provide a full lifecycle health management service, creating the Xinhua Medical Health Ecosystem [2]. - As of June 2025, Xinhua Life has established 40 health communities in 28 cities and 36 travel residence projects in 31 cities [2]. Group 2: Investment Management and Performance - As of June 30, the company's investment scale exceeded 1.7 trillion yuan, a 5.1% increase from the previous year, with an annualized total investment return rate of 5.9% [5]. - The company is adapting to a low-interest-rate environment by optimizing its investment strategy, focusing on high-dividend stocks and supporting strategic emerging industries [6][7]. Group 3: Product Development and Sales Strategy - Xinhua Life is enhancing its dividend insurance product development to lower liability costs in a low-interest-rate environment, with a focus on customer needs [7][8]. - The company has established a leadership group for the transformation of dividend insurance, aiming to improve sales skills and knowledge within its workforce [7].

Core Viewpoint - Xinhua Life Insurance is committed to high-quality development through value growth, structural optimization, and quality improvement, focusing on enhancing customer service capabilities and operational management [1][2]. Group 1: Customer Service and Ecosystem Development - The company has launched the "Zun An Rui Yue" service brand and established a comprehensive service system to enhance product sales and improve competitive strength [1]. - Xinhua Life has integrated medical resources to provide a full lifecycle health management service, creating a health ecosystem [2]. - As of June 2025, Xinhua Life has established 40 health communities in 28 cities and 36 travel residence projects in 31 cities [2]. Group 2: Investment Management and Performance - As of June 30, the company's investment scale exceeded 1.7 trillion yuan, a 5.1% increase from the previous year, with an annualized total investment return rate of 5.9% [5]. - The company is adapting to a low-interest-rate environment by optimizing its investment strategy, focusing on high-dividend stocks and strategic new production capabilities [5][6]. Group 3: Product Development and Sales Strategy - Xinhua Life is enhancing its dividend insurance product development to lower liability costs in a low-interest environment, establishing a dedicated team for this transformation [7][8]. - The company has seen a significant increase in the proportion of dividend insurance premiums, with individual channels exceeding 70% and bank agency channels gradually increasing to over 30% [7].

Core Viewpoint - The company emphasizes the construction of a comprehensive medical, health, and elderly care system, positioning itself as a stabilizer for society and an economic shock absorber in the fields of elderly finance and inclusive finance [1][2] Group 1: Business Development - In the past two years, the company has accelerated the layout of the medical, health, and elderly care ecosystem, expanding quality cooperative communities and travel institutions, enriching home-based elderly care and health services [1] - As of the first half of 2025, nearly 15,000 customers have obtained rights to enter health and elderly care communities, generating nearly 20 billion yuan in premiums, while an additional 240,000 customers have gained travel rights [1] - The company has integrated high-quality internal and external resources to build a comprehensive health management service system covering disease prevention, medical assistance, and overseas medical services [1] Group 2: Product and Service Innovation - The company has connected nearly 100 high-quality medical resources domestically and internationally as of the first half of 2025 [1] - The launch of the "Worry-Free Medicine" health insurance product has effectively met new health protection and service needs of customers, seizing opportunities from reforms in commercial health insurance and medical insurance payment methods [1] - The company plans to continue enhancing the integration of insurance products and health services, constructing a comprehensive service network known as "Xinhua Health Steward" to provide extensive interconnected services [2]