Group 1 - The core demand for family financial management is shifting towards "safety + value-added + inheritance," with participating whole life insurance becoming a preferred product due to its dual mechanism of "fixed payment + floating dividends" and its clear legal inheritance function [1][5] - The "Xinxing Family (Celebration Edition)" whole life insurance product from Taikang Life is designed to meet modern financial consumers' needs for safety, value growth, and long-term planning through features like dual insured design and differentiated services [1][2] Group 2 - The product structure of "Xinxing Family (Celebration Edition)" is transparent, with effective coverage increasing annually after the second policy year, providing a financial safety net while allowing for cash value growth [2][4] - The combination of participating insurance and universal insurance expands the value-added space while maintaining liquidity, making it suitable for various financial needs such as education funds and retirement [2][4] Group 3 - The "dual insured" design addresses challenges in wealth inheritance, allowing for intergenerational transfer and ensuring that wealth can be passed down without interruption due to unforeseen events [3][5] - This structure extends the wealth accumulation period and binds the survival status of dual insured individuals, aligning with the wealth management needs of families [3][5] Group 4 - The product is well-suited for the longevity era, balancing long-term wealth preservation with short-term liquidity needs, making it a wise choice for families [4][5] - Features like cash value growth and the ability to convert the policy into cash flow for emergencies or retirement supplement the product's appeal [4][5]

Core Viewpoint - The launch of the "Taikang Xinxiang Family (Celebration Edition)" lifelong insurance product marks a significant innovation in the insurance market, combining guaranteed and floating benefits to meet customer needs in an era of low interest rates and aging population [1][7]. Product Features - The product features a dual-functionality model of "protection + reserve," providing a safety net and asset growth for families [3]. - It includes a "double insured" design, allowing for shared benefits among family members, which enhances the policy's value and extends the duration of compound growth [3][5]. - The effective coverage amount increases by 2% annually starting from the second policy year, ensuring long-term financial security [3][6]. Market Positioning - The product is positioned to address three major customer pain points: expanded coverage, optimized benefit experience, and broader target demographic [5]. - New features include additional coverage for transportation accidents, improved surrender benefits for non-single premium customers, and an increased maximum insurable age to 75 years [5]. Competitive Advantages - The "Six Increases and Two Accelerations" framework enhances the product's appeal by addressing comprehensive customer needs, including increased effective coverage, cash value, dividends, and additional protections [6]. - The product leverages Taikang's health ecosystem and long-term capital management capabilities, offering dual benefits of flexible fund allocation and quality service [6]. Customer-Centric Approach - The continuous iteration of the product reflects the company's commitment to responding to market demands and providing families with diverse wealth planning and risk protection solutions [7].