Core Insights - Ximei Mutual Life Insurance has achieved profitability for five consecutive years, with a total investment return rate of 4.41% in 2024 [1] - The company has over 548.46 billion yuan in total assets and more than 100,000 members as of the end of 2024 [1] Business Strategy - The company is focused on controlling scale and optimizing business structure, with health insurance products making up 60% of its offerings [1] - Ximei has launched mid-range medical insurance and various innovative measures to address comprehensive medical needs for families [1] - The company provides affordable health insurance products through internet platforms to fill health coverage gaps for specific populations [1] - In terms of retirement solutions, Ximei has introduced flexible annuity and whole life insurance products tailored for personalized retirement planning [1] Member Services - In 2024, Ximei upgraded its member service system, detailing member tiers and adding advanced medical health services [1] - The company has expanded its elderly care ecosystem, covering travel, home, and hospital care services across 11 provinces, serving over 5,000 individuals [1] - Ximei's elderly-friendly renovation services are available in over 130 cities nationwide, providing comprehensive support for the elderly [1] - The company has introduced a pioneering "Member Love Assistance Account" to aid two seriously ill members, reflecting the spirit of mutual assistance [1] Technological Advancements - Ximei launched its self-developed insurance vertical model application, Chat-Trust 3.0, achieving over 90% accuracy in intent recognition and 98% accuracy for AI product assistants [2] - The AI underwriting system provides efficient 24/7 support, while intelligent customer service has assisted 64,000 individuals throughout the year, with a robot replacement rate of 84% [2]