Core Viewpoint - The article discusses the transformation of the insurance industry in response to the "longevity era," highlighting the innovative approach of Taikang's HWP (Health Wealth Planner) model, which integrates service, investment, and payment to meet evolving customer needs [2][12]. Group 1: Industry Context - The insurance industry is undergoing a transformation due to low interest rates and an aging population, shifting customer focus from merely purchasing policies to seeking comprehensive services related to health, retirement, and wealth transfer [2][4]. - The traditional agent model is becoming less effective, with high attrition rates among agents, necessitating a rethinking of the industry's foundational logic [2][4]. Group 2: Taikang's HWP Model - Taikang has introduced a new insurance model that combines "payment + service + investment," aiming to create a high-quality service system that integrates medical, health, and financial services [2][12]. - The HWP initiative has seen significant growth, expanding from 446 individuals in 2018 to 33,000 in 2023, with a high percentage of young, educated professionals [7][10]. Group 3: HWP's Role and Development - HWP is positioned as a key player in Taikang's strategy, merging the roles of insurance, financial, and health advisors to provide comprehensive support throughout the customer lifecycle [12][13]. - The initiative has been recognized with awards and has implemented various incentive programs to enhance the professional development of its members [8][10]. Group 4: Future Outlook - Taikang aims to leverage the longevity era's opportunities by continuously upgrading its recruitment, training, and incentive systems to support HWP's growth and effectiveness [10][14]. - The company envisions HWP professionals as respected health wealth entrepreneurs who can meet the increasing demands for health and retirement services in a rapidly changing world [12][14].