保险，作为防范风险的重要手段，也是经济发展不可或缺的金融保障。自贸港现代金融体系中，首家总部位于海南的全国性保险法人机构——海保人寿保险 股份有限公司（以下简称海保人寿）自2018年成立之时就引发了市场广泛关注。 新年新气象。1月初，海保人寿与手回集团联合举办的"2026全周期财富养老方案上市发布会"上，"福瑞未来（即享版）养老年金"等三款联合定制产品正式 发布。这是海保人寿面对长寿时代，朝着更精细、更全景、更以客户需求为中心的经营方向不断进阶的具体行动。 特色化产品的持续涌现，让外界看到了海南本土金融机构的蓬勃活力。 2025年，海保人寿持续扩大保费规模，总部及海南分公司新单保费4.86亿元，同比增长79%；互联网业务规模跻身中小险企前四，中介新单规模进入行业前 十五，保费增速远高于多数中小险企。全年累计实现财务收益2.93亿元，财务收益率4.32%。 依托自贸港在跨境医疗、离岸金融、税收政策等方面独特的制度优势，海保人寿坚定地走"特色化、差异化、价值化"发展道路，服务国家战略和自贸港建设 大局。 2025年，这家扎根自贸港的寿险公司取得了亮眼成绩，公司规模保费增速39.8%，处于市场前列；在海南市场，公司 ...

Core Insights - The launch of the "2026 Full-Cycle Wealth Retirement Plan" by Shouhui Group and its subsidiaries aims to address the public's demand for certainty in wealth planning amid an aging population and low-interest environment [1][2] - The core challenge in retirement planning has shifted from insufficient wealth accumulation to ensuring that accumulated wealth can be safely and steadily converted into sustainable lifelong income [2][5] Product Offerings - Three jointly customized products were introduced: "Furui Future (Immediate Version) Retirement Annuity," "Fuxiang Nian Nian (Starry Version) Annuity Insurance," and "Zengduoduo No. 9 Increasing Whole Life Insurance," which together form a comprehensive wealth retirement solution [1][2] - "Zengduoduo No. 9 Increasing Whole Life Insurance" focuses on long-term, stable, and certain growth of wealth, with cash value increasing at a fixed compound interest rate, unaffected by market fluctuations [2][3] - "Fuxiang Nian Nian (Starry Version) Annuity Insurance" is designed for quick returns, providing stable cash flow for education, lifestyle enhancement, or pre-retirement income [3] - "Furui Future (Immediate Version) Retirement Annuity" allows investments up to age 70 and offers immediate income post-payment period, ensuring lifelong retirement income [3] Industry Trends - The relationship between insurance intermediaries and insurance companies is evolving from simple channel cooperation to a deep symbiotic ecosystem involving joint insights, development, and services [3][5] - The aging population in China is leading to a significant increase in the elderly demographic, with 297 million people aged 60 and above by the end of 2023, representing 21.1% of the total population [1][2] Company Strategy - Shouhui Group emphasizes a customer-centric approach, aiming to be a reliable company that transcends economic cycles [4] - The focus is on comprehensive planning based on individual family structures, income, and life goals, rather than merely stacking products [4][5] - The collaboration has resulted in the launch of seven exclusive customized products since 2023, with total premiums exceeding 700 million yuan [3]