普洱作为中国咖啡种植的"黄金地带"，2024年交出了亮眼成绩单：咖啡种植面积126.7万亩、产量14.6万 吨，均占全国总量的98%以上，稳坐中国咖啡产地的"头把交椅"，并在世界咖啡舞台上绽放出更加耀眼 的光芒。产业腾飞的背后，离不开金融活水的精准滴灌。 群山叠翠，咖香袅袅。当保险金融力量融入烟火日常，普洱的咖啡故事不再仅是风土与匠心的传承，更 成为高质量发展与民生改善交融的生动注脚。中国人寿财险普洱中支的守护，正伴随每一颗咖啡果的成 熟、每一杯咖啡的醇香，润物无声地铺展着乡村振兴的新图景。（郎玲） 编辑：赵鼎 深冬的普洱，依旧是咖啡的丰收季。在宁洱哈尼族彝族自治县普义乡的千亩咖啡园里，殷红的咖啡果缀 满枝头，农户们穿梭田间，指尖翻飞间，一颗颗饱满的果实落入竹筐。"今年的果子比往年更甜、更饱 满！"种植户段志擦去额角的汗珠，笑容里满是欣慰。 段志在普洱种植咖啡已有30余年，亲历了产业从"靠天吃饭"到"保险护航"的变迁。"早年技术不成熟， 一场霜冻或干旱就能让全年收入打了水漂。"他感慨道。如今，他的千亩咖啡园中，有380亩投保了中国 人寿财险的咖啡气象指数保险。今年8月，因高温天气触发了理赔条件，段志在72小时 ...

Core Viewpoint - China Life Property & Casualty Insurance Yunnan Branch is actively enhancing agricultural insurance coverage and improving livelihood security services, focusing on targeted assistance and support for local agricultural development [1][2]. Group 1: Agricultural Insurance Development - The company has established a comprehensive and precise agricultural risk protection system, covering both central and local policy insurance, aligned with Yunnan's key agricultural industry layout [2]. - By mid-2025, the company provided risk protection worth 37.6 billion for 777,000 farming households, with claims amounting to 6.863 million, benefiting 51,000 households [2]. Group 2: Innovation in Insurance Services - The company is exploring the integration of technology in insurance services, utilizing internet, satellite remote sensing, and artificial intelligence to enhance underwriting and claims processes [3]. - In 2024, the company implemented a "one policy per household" model in livestock insurance, employing AI facial recognition technology to ensure the uniqueness of insured subjects, significantly reducing moral hazard and underinsurance [3]. - The "automatic underwriting" feature has improved operational efficiency, processing 54,800 policies from January to August 2025, reducing policy issuance time from hours to minutes or even seconds [3]. Group 3: Technological Integration in Insurance - The company utilizes drones and remote sensing technology to enhance the accuracy and completeness of insured information, preventing fraudulent underwriting and providing precise loss assessments [4]. - It has established a drone team, becoming one of the first insurance institutions in the province to enhance underwriting and claims accuracy through technological applications [4]. Group 4: Community Support and Financial Inclusion - The company promotes inclusive insurance products and collaborates with other financial institutions to establish comprehensive financial service stations, with the first 31 outlets already operational [4]. - The company has dispatched 16 personnel to support rural revitalization efforts, focusing on industry development, education, and healthcare in local communities [4]. - Future plans include continuous product innovation and service upgrades to enhance agricultural efficiency, rural vitality, and farmer income, contributing to comprehensive rural revitalization [4].