提高保障程度，护航秋粮增收。作为山东省政策性农业保险的主要承保公司，今年中国人寿财险山东省 分公司各级机构共承保政策性玉米、水稻、大豆、花生等秋粮作物 684万亩，累计承担灾害损失保障61 亿元。中国人寿财险聊城市阳谷支公司在县财政的鼎力支持下，还将承保区域内的21.6万亩政策性玉米 完全成本保险升级为政策性玉米收入保险，使保障程度在2.05亿元的基础上又提高了1080万元。针对近 年来种植成本提高，政策性秋粮作物保险保障额度不能全部涵盖种植成本、甚至与实际市场价值有较大 差距的情况，今年公司先后推出秋粮收获期降雨指数保险、收入补充保险、产量保险等系列商业性附加 保险产品，在政策性和商业性保险总保额不高于市场价值的前提下，由农户自行选择合适的商业保险投 保，弥补了政策性保险与农户对实际收入预期的差距。中国人寿财险山东省分公司农村业务部负责人李 宝桐告诉记者："今年，全省系统共承保商业性秋粮保险33.67万亩，承担风险保障2.11亿元。'政策+商 业'保险双轮驱动，构建起多层次、全流程的秋粮作物风险保障体系，化解秋粮'增产不增收'的矛盾，保 护农民种粮积极性。" 中国人寿财险山东省分公司负责人表示，公司将按照山 ...

齐鲁晚报˙齐鲁壹点记者闫明 通讯员崔广勋 当前正值秋收的关键时期，连续多日的阴雨天气给山东省丰收在望的秋粮收获增加了困难和风险因素。 中国人寿财险山东省分公司及各级分支机构多措并举，全力以赴为秋收提供多方面的支持服务和风险保 障，受到广大农民群众的称赞。 提高保障程度，护航秋粮增收。作为山东省政策性农业保险的主要承保公司，今年中国人寿财险山东省 分公司各级机构共承保政策性玉米、水稻、大豆、花生等秋粮作物 684万亩，累计承担灾害损失保障61 亿元。中国人寿财险聊城市阳谷支公司在县财政的鼎力支持下，还将承保区域内的21.6万亩政策性玉米 完全成本保险升级为政策性玉米收入保险，使保障程度在2.05亿元的基础上又提高了1080万元。针对近 年来种植成本提高，政策性秋粮作物保险保障额度不能全部涵盖种植成本、甚至与实际市场价值有较大 差距的情况，今年公司先后推出秋粮收获期降雨指数保险、收入补充保险、产量保险等系列商业性附加 保险产品，在政策性和商业性保险总保额不高于市场价值的前提下，由农户自行选择合适的商业保险投 保，弥补了政策性保险与农户对实际收入预期的差距。中国人寿财险山东省分公司农村业务部负责人李 宝桐告诉记者： ...

Core Viewpoint - The article emphasizes the importance of autumn grain production for national food security and highlights the proactive measures taken by China Life Property & Casualty Insurance in Shandong Province to ensure stable production and support farmers' income through comprehensive risk management and insurance services [1][5]. Group 1: Risk Management and Support Measures - China Life Property & Casualty Insurance has implemented a full-cycle risk management service for crops, including hiring agricultural experts for pest control and promoting high-standard farmland insurance [1][2]. - The company utilizes integrated satellite remote sensing technology to monitor the growth of 279,000 acres of corn and employs drone technology to expedite disaster assessment and claims processing [1][3]. - Collaboration with agricultural departments has led to the distribution of management guidelines and on-site expert guidance to reduce risks associated with crop lodging [2][3]. Group 2: Insurance Products and Coverage - In 2023, the company provided policy-based autumn grain insurance covering 674,500 acres, with a risk guarantee of 640 million yuan, addressing losses from natural disasters and pests [5][6]. - The introduction of supplementary insurance products, such as corn yield insurance and comprehensive meteorological index insurance, allows farmers to choose suitable commercial insurance to bridge the gap between policy insurance and actual income expectations [6][5]. - The shift from production insurance to income insurance has increased the coverage per acre from 950 yuan to 1,000 yuan, enhancing protection for farmers, especially large-scale grain producers [5][6]. Group 3: Technological Integration and Monitoring - The company has partnered with technology firms to conduct remote monitoring of corn growth and disaster conditions, creating monitoring reports to guide farmers in disaster prevention and field management [3][4]. - High-precision remote sensing mapping is being utilized to ensure accurate matching of insured plots with the crops planted, addressing issues of boundary ambiguity and information asymmetry [3][4]. - Continuous inspections of high-standard farmland and facilities are conducted to ensure effective irrigation and drainage during adverse weather conditions [4][3].

Core Viewpoint - The article emphasizes the proactive measures taken by China Life Property & Casualty Insurance in Shandong Province to ensure a stable autumn grain production and support farmers' income through comprehensive risk management and innovative insurance products [1][11][15]. Group 1: Risk Management and Support - The company has organized its branches in Weifang City to provide disaster investigation and claims services while allocating resources for risk prevention and income enhancement [1][11]. - Utilizing integrated satellite remote sensing technology, the company monitors the growth of 279,000 acres of corn and employs drone technology to expedite disaster assessment [3][7]. - The company has shifted from post-disaster compensation to pre-disaster risk reduction, collaborating with agricultural departments to develop disaster response plans [4][11]. Group 2: Agricultural Competitions and Initiatives - The company has participated in a high-yield competition for staple crops in Changyi City for three consecutive years, promoting the integration of good land, seeds, techniques, and strategies to enhance grain production [6]. - The company is actively involved in creating high-yield demonstration fields and recognizing outstanding farmers to encourage increased grain production [6]. Group 3: Technological Integration - The company is collaborating with technology firms to conduct remote monitoring of corn growth and disaster conditions, generating crop growth monitoring reports to guide farmers in disaster prevention and field management [7][8]. - A precision satellite remote mapping project is underway to match insured plots with planting crops, addressing issues of boundary ambiguity and information asymmetry [8]. Group 4: Insurance Products and Coverage - In 2023, the company insured 674,500 acres of policy-based autumn grain insurance in Weifang City, covering risks amounting to 640 million yuan [11]. - The company has upgraded policy-based corn income insurance, increasing the coverage per acre from 950 yuan to 1,000 yuan, thus enhancing protection for farmers [13]. - New commercial insurance products have been introduced to supplement policy-based insurance, addressing the gap between policy coverage and actual market value of crops [15].