据中国保险行业协会官网人身保险产品信息库统计，2025年10月1日至今，在售的五十多款人寿保险产 品中，有四十多款是分红型产品；在售的二十多款年金保险产品中，也均为分红型产品。这些产品主要 以分红型终身寿险、分红型年金险、分红型两全险为主，保险责任类似，主要提供长期财富增值和养老 规划。 多位保险代理人向记者透露，分红险的结构和收益逻辑远比传统险复杂，要求代理人必须具备扎实的分 红险配置知识和清晰的产品解析能力，淘汰了以往只对比收益高低的营销模式。 多位寿险公司高管向记者坦言，险企转型分红险，不仅涉及产品本身的调整，更关键的是通过场景化营 销和生态服务来提升差异化竞争力，推动从单纯的产品销售向提供综合解决方案转变。总而言之，险企 向分红险的转型是一场深刻的商业模式革新。 中经记者 陈晶晶 北京报道 在利率持续下行的背景下，全面转向分红险已成行业发展共识。 《中国经营报》记者注意到，近期，多家人身险公司推出的新产品中，绝大部分为分红险。 需要注意的是，分红险成为主流产品虽是趋势所向，但面临较大的现实挑战。 多位保险代理人对记者坦言，"前两年，我们主要营销增额终身寿险，这类产品收益固定、产品结构简 单易懂，无论是 ...

Core Insights - The article discusses the launch of a new dividend-increasing whole life insurance product, "Tai Ping Guo Wei No. 1" by Tai Ping Life, aimed at addressing the market's demand for quality assets amidst a low interest rate environment [1][2] Product Launch - "Tai Ping Guo Wei No. 1" is designed to meet the diverse needs of consumers for life protection and wealth management, providing a long-term stable asset growth solution [1][2] - The product features a dual growth mechanism: the effective basic insurance amount and effective dividend insurance amount increase at a compound annual rate of 1.75% starting from the second policy year [2][3] Dividend Design - As a participating insurance product, policyholders can share in the surplus distribution of Tai Ping Life's dividend insurance business, with dividends allocated annually in the form of increased accumulated dividend insurance amounts [3] - The product offers flexibility with monthly premium payments and options for policy loans and reduced paid-up insurance, catering to various liquidity needs throughout different life stages [3] Service Enhancement - Tai Ping Life integrates medical and health services into its product value system, enhancing the overall protection and resilience for families [4] - The company has established a multi-tiered pension service system, covering 54 cities across 27 provinces by mid-2025, to meet diverse and high-quality retirement needs [5] Comprehensive Strength - Tai Ping Life's robust corporate foundation and comprehensive operational strength support the rapid iteration of products and the expansion of the "insurance + health care" ecosystem [6] - The company has received an "A" rating for nine consecutive years in the insurance industry evaluation by the China Insurance Association, reflecting its strong operational capabilities [6] Future Outlook - Tai Ping Life aims to deepen its strategic layout and contribute to the construction of a strong financial nation with higher quality products and services [7]

Core Viewpoint - Taiping Life has launched the Taiping Guowei No.1 whole life insurance (dividend type), emphasizing four key features: certainty, growth, safety, and protection, aimed at establishing a secure and steadily appreciating asset for customers and families, sharing operational results, and pursuing a better life [2] Certainty - The policy benefits are guaranteed for life, with an insurance amount growth of 1.75% written into the insurance terms, driving the cash value to grow for life, unaffected by market fluctuations [3][6] Growth - The dividend distribution method is an increasing dividend, which adds to the accumulated dividend insurance amount, allowing the increased portion to participate in future annual dividend calculations [4][7] Safety - The total survival benefits quickly reach the level of premiums paid, with cash value exceeding the cumulative insurance premium by the end of the 7th policy year after 3 years of premium payments, and it will continue to grow [5][6] Protection - The policy provides lifelong death or total disability coverage, with the insurance amount increasing over time, effectively addressing personal risk [5]

Core Viewpoint - The global economic landscape is evolving, with market fluctuations and declining interest rates becoming the new norm, leading to unprecedented challenges in wealth management for individuals and families [1] Wealth Management Trends - Wealth management is shifting from short-term speculation to long-term planning, focusing more on risk management rather than just returns [1] - The demand for dividend-type increasing whole life insurance is rising as it provides a stable asset allocation tool that can withstand economic cycles and market volatility [1][4] Product Features - Dividend-type increasing whole life insurance combines guaranteed policy benefits with lifelong growth, offering a unique value proposition for families [2] - The cash value and death benefit of these policies are contractually guaranteed, providing certainty amidst market fluctuations [2] - The increasing benefit mechanism allows the effective coverage amount to grow at a compound interest rate, enhancing the policy's value over time and mitigating reinvestment risks [2] Flexibility and Asset Transfer - These insurance products often support policy loans, allowing policyholders to access liquidity without terminating the policy, balancing asset growth with immediate financial needs [2] - They facilitate precise asset transfer through designated beneficiaries, helping avoid inheritance disputes and tax burdens [3] Growth Potential - Dividend-type increasing whole life insurance offers a wealth-sharing model, allowing clients to participate in the insurance company's operational success while enjoying guaranteed benefits [5] - The structure of guaranteed and floating returns balances safety and potential upside, making it a key component of long-term wealth planning [5] Company Example - The "Taiping Guowei No.1 Whole Life Insurance (Dividend Type)" exemplifies a product that guarantees benefits while employing a dividend mechanism to enhance policy value through a 1.75% annual compound growth rate [6] - This product's design aims to provide clients with quality insurance protection through a long-term, stable growth mechanism [6] Company Strengths - Taiping Life Insurance, a subsidiary of China Taiping Insurance Group, is recognized for its strong and stable operations, with core operating indicators showing positive trends [8] - As of mid-2025, Taiping Life's total assets exceeded 1.37 trillion yuan, with original insurance premiums reaching 115.06 billion yuan, reflecting robust growth and resilience [8] Service Ecosystem - Taiping Life has developed a comprehensive service ecosystem integrating insurance with healthcare and eldercare, enhancing the value of its insurance products [9] - The company has established a multi-dimensional eldercare service system, covering 27 provinces and 54 cities, to meet diverse customer needs [9] Industry Trends - The insurance industry is transitioning from product sales to comprehensive service solutions, aligning with regulatory guidance to enhance value creation for clients [10] - Taiping Life aims to continue innovating products and upgrading services to support long-term, stable asset planning for Chinese families [10]