Group 1 - The core product being evaluated is the "Zhenxiang Hongtu Whole Life Insurance (Dividend Type)" from Zhongying Life, which is noted for its strong company reputation, high investment returns, and past dividend performance, making it a popular choice among consumers [2][3] - The product offers various benefits, including additional death benefits for natural disasters, multiple dividend payout options, and flexible premium reduction policies [4][18] - Zhongying Life has a strong investment capability, with a financial investment return rate of 7.54% for 2024, ranking it among the top in the industry [19][21] Group 2 - The product is designed for individuals seeking stable asset growth while sharing in market dividends, making it suitable for long-term savings goals such as education funds, marriage funds, and retirement planning [28] - The company has a robust financial background, with strong backing from major shareholders like COFCO Capital and the British Aviva Group, contributing to its reliable dividend distribution [30][24] - The past dividend performance of Zhongying Life has been strong, with a consistent track record of achieving a dividend realization rate of 100% for all products in previous years, indicating a reliable future performance [24][19]