2025年末，险企主导的养老社区加速入市，且从早期单点探索迈入规模化、网络化运营新阶段。"保险 +养老"深度融合成为行业主流，呈现出"重资产自建+轻资产合作"的多元布局，从单点布局发展到全国 组网。不过，资金回报周期长、普惠性不足等瓶颈仍有待行业破解。 从单点布局到生态协同 2025年5月，太保家园大理二期、苏州社区联袂开业；同年9月，上海静安、郑州社区同日面客；同年12 月，北京、三亚社区接踵亮相。截至2025年末，太保家园在全国已有12个城市14个社区投入运营，在住 长住客户超3000人，全年短住体验13万间夜。 截至2025年9月末，平安居家养老服务已覆盖全国85个城市，累计近24万名客户获得居家养老服务资 格；平安高品质康养社区项目已布局5个城市，共计6个项目，陆续进入运营或建设阶段。其中，上海项 目"静安8号"已正式运营，深圳项目拟于2025年底前试运营。 同方全球人寿汲取了外方股东的全球经验，于2025年11月正式推出其养老机构评估的"六大核心维度"， 全面覆盖了长者晚年生活的核心需求。截至目前，该公司已布局南京君颐东方、北京国投健康长者公 寓、上海信澜天地、广州富力颐安、杭州金色年华等多个高品质 ...

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].