Core Viewpoint - Huatai Life Insurance has launched two new dividend-based insurance products, "Sui Sui Ying" and "Xin Sheng Shi," aimed at providing stable cash flow and wealth preservation for families in a low-interest-rate environment and an aging society [1][3][4]. Product Features - Both products utilize a dividend mechanism to address the needs for wealth appreciation and stable cash flow across different life stages, helping clients manage financial risks associated with longevity and low interest rates [3][4]. - "Sui Sui Ying" offers features such as quick access to benefits starting from the fifth year, a guaranteed cash value equal to the premiums paid, a stable annual payout of 1.75% of the total premiums until age 105, and annual cash dividends [5][7]. - "Xin Sheng Shi" is designed for retirement planning, providing increasing benefits with age, flexible withdrawal options, and additional longevity bonuses starting at age 99 [9][10]. Market Context - The current low-interest-rate environment and global economic volatility have shifted consumer investment preferences from high returns to more predictable growth, making dividend insurance an essential tool for family wealth management [4][11]. - Huatai Life's strong investment performance, with a comprehensive investment return rate of 12.73% in 2024, positions it favorably in the industry, enhancing its ability to deliver on product promises [12]. Strategic Focus - The company aims to innovate in the dividend insurance sector by aligning product offerings with customer needs, leveraging its investment management expertise, and ensuring robust operational practices [11][12]. - Huatai Life is committed to providing a comprehensive service ecosystem that includes health, retirement, and education services, enhancing the value proposition of its insurance products [10].