Core Viewpoint - The aging population in China is rapidly increasing, with over 300 million people aged 60 and above, creating a significant demand for comprehensive retirement solutions. The insurance industry, leveraging its experience in managing longevity risks, is positioned to address these challenges through innovative products like the "Beautiful Life" comprehensive retirement plan launched by Sunshine Insurance [5][12]. Group 1: Market Demand and Challenges - The aging population in China is projected to reach 310 million by the end of 2024, accounting for 22% of the total population, with 220 million aged 65 and above, representing 15.6% [5][6]. - The new elderly demographic is characterized by financial stability and a desire for quality retirement living, which is reshaping consumption patterns and creating new market opportunities [6][10]. - Families face challenges in managing retirement funds, with many elderly individuals reluctant to spend their savings, leading to potential financial mismanagement and exploitation [6][7]. Group 2: Product Development and Features - Sunshine Insurance has launched the "Beautiful Life" comprehensive retirement plan, integrating nine products across three categories: customized retirement annuities, high-quality health care, and nursing care, addressing core needs of the elderly [5][12]. - The plan allows for higher age limits for insurance coverage, with the maximum age for retirement annuities set at 90 years and medical insurance at 80 years, making it more accessible for older individuals [9][10]. - The product design process involved extensive market research and collaboration across various departments to ensure it meets the specific needs of the elderly demographic [7][11]. Group 3: Ecosystem and Service Development - Sunshine Insurance has established a comprehensive retirement ecosystem, including a diverse range of retirement products and services, to enhance its offerings in the personal pension sector [12][13]. - The company has developed various retirement community projects and home care services, aiming to provide a holistic approach to elderly care [13][14]. - The focus on customer-centric solutions reflects the company's commitment to addressing the evolving needs of the aging population, aligning with national retirement strategies [14].

在众多养老问题应对者中，保险业因长期管理长寿风险的经验 脱颖而出。随着养老金融上升为国家战略，养老服务正从差异 化竞争转向行业标配。 作者： 江雨 封图：图片资料室 给父母的钱不少，他们却不舍得花，最终沉淀在银行 …… 父母退休后虽无重大疾病，但慢性病缠身，还能购买健康险吗？ 父母存款不是被主播诱导打赏，就是陷入保健品营销陷阱，沟通无效怎么办？ …… 这些养老困局是否正困扰着你？ 当中国老龄化进程快于发达国家，养老已成为全民必答题。 60岁以上人口突破3亿，意味着每五 人中就有一位老年人。这批"新老年人"资金充裕、精力充沛，对银发生活有着更高要求——养老 保障事业在挑战中孕育新机。 在众多养老问题应对者中，保险业因长期管理长寿风险的经验脱颖而出。随着养老金融上升为国家 战略，养老服务正从差异化竞争转向行业标配。 7月28日，阳光保险成立20周年之际，推出"美好人生"综合养老保障计划。该计划整合三类九款 产品（定制化养老年金+高品质健康医疗+护理保障），形成产品矩阵，直击老龄人群核心需求。 对此，阳光人寿总精算师赵宇平表示： "这是针对'有钱不敢花'、'有险不够用'养老痛点的系统性 解决方案。" "有钱有闲"， ...