Core Viewpoint - China Life Property & Casualty Insurance Yunnan Branch is actively enhancing agricultural insurance coverage and improving livelihood security services, focusing on targeted assistance and support for local agricultural development [1][2]. Group 1: Agricultural Insurance Development - The company has established a comprehensive and precise agricultural risk protection system, covering both central and local policy insurance, aligned with Yunnan's key agricultural industry layout [2]. - By mid-2025, the company provided risk protection worth 37.6 billion for 777,000 farming households, with claims amounting to 6.863 million, benefiting 51,000 households [2]. Group 2: Innovation in Insurance Services - The company is exploring the integration of technology in insurance services, utilizing internet, satellite remote sensing, and artificial intelligence to enhance underwriting and claims processes [3]. - In 2024, the company implemented a "one policy per household" model in livestock insurance, employing AI facial recognition technology to ensure the uniqueness of insured subjects, significantly reducing moral hazard and underinsurance [3]. - The "automatic underwriting" feature has improved operational efficiency, processing 54,800 policies from January to August 2025, reducing policy issuance time from hours to minutes or even seconds [3]. Group 3: Technological Integration in Insurance - The company utilizes drones and remote sensing technology to enhance the accuracy and completeness of insured information, preventing fraudulent underwriting and providing precise loss assessments [4]. - It has established a drone team, becoming one of the first insurance institutions in the province to enhance underwriting and claims accuracy through technological applications [4]. Group 4: Community Support and Financial Inclusion - The company promotes inclusive insurance products and collaborates with other financial institutions to establish comprehensive financial service stations, with the first 31 outlets already operational [4]. - The company has dispatched 16 personnel to support rural revitalization efforts, focusing on industry development, education, and healthcare in local communities [4]. - Future plans include continuous product innovation and service upgrades to enhance agricultural efficiency, rural vitality, and farmer income, contributing to comprehensive rural revitalization [4].

来源：农民日报 "今年县里推出了'肉牛收入保险'，政府补80%，我自己出20%，既保牛死亡，又保收入，我就毫不犹豫 地参保了。"位于山西省晋中市榆社县，山西省扶贫龙头企业山西牧乐嘉畜牧科技有限公司负责人张晓 斌站在公司现代化牛舍前，望着栏里膘肥体壮的西门塔尔肉牛，脸上露出难得的笑容，去年牛肉价格跌 得厉害，他亏损了不少。 作为全县首批参保企业，张晓斌的1028头肉牛今年起有了"双重保障"，这让他对企业的未来充满信心。 肉牛养殖产业是榆社县乡村振兴的支柱产业，张晓斌的山西牧乐嘉畜牧科技有限公司则是该县肉牛养殖 产业的标杆企业。 "过去最怕两件事，一是牛肉价格跌，二是牛生病，市场波动亏的是我的钱，疫病防控不力要的是肉牛 的命。"张晓斌从事肉牛养殖行业10年，去年受全国畜产品价格低迷影响，他公司出栏的肉牛每头亏损 近1000元。 作为山西重点帮扶县，榆社县政府与太平洋产险山西分公司率先以"政银企户保"五位一体运作模式，创 新推出"肉牛收入保险"产品。即通过政府引导、财政补贴、保险兜底、企业参与、农户受益的协同机 制，用保险兜底的方式为肉牛养殖产业提供全方位保障。 在政银企协同机制下，"牛保险"不仅保收入，还送服务。 ...