论坛上，中信保诚人寿总经理助理、首席风险官邱文光指出，AI不仅是提升内部效率的工具，更是赋 能客户服务、强化销售支持、提升全面风险管理能力、实现科学决策的核心引擎。中信保诚人寿已通 过"康、养、育、富"四大维度构建差异化增值服务体系，并依托最新获批的"人工智能三年工作规划"， 系统推进经营、管理、营运与风控的智能化转型，目标在2027年实现核心业务场景AI渗透率超70%，以 科技动能筑牢企业长远发展基石。 AI重塑保险客户体验与价值体系 随着保险市场从单纯的产品价格竞争转向以服务体验为核心的综合价值竞争，客户增值服务已成为影响 购买决策的关键因素。 邱文光指出，近年来随着报行合一、预定利率与市场利率挂钩机制的行业监管政策陆续出台，传统依赖 分红水平、结算利率及渠道佣金手续费的竞争模式正在发生深刻变化。在此背景下，非价格因素尤其是 围绕客户全生命周期的深度服务，正逐步成为保险企业构筑护城河的重要方向，产品与客户服务一体化 发展的行业趋势已经形成。 中信保诚人寿率先把握这一趋势，围绕"健康、养老、教育、财富管理"四大板块，即"康、养、育、 富"，系统搭建覆盖客户全生命周期的增值服务体系。 据邱文光介绍，在健康领域 ...

Core Insights - The event "Trends Conference" hosted by CITIC Prudential Life Insurance and the knowledge service platform "Get" aimed to outline future trends through in-depth sharing and dialogue [1] - CITIC Prudential Life Insurance upgraded its group insurance "Xinfeng" product service solutions and released a joint asset allocation report with its subsidiary CITIC Prudential Asset Management and Hanya Investment [3] Group Insurance "Xinfeng" Product Upgrade - The upgraded "Xinfeng" product service solutions focus on three core aspects: precision in solutions, differentiation in products, and ecological service [5] - The design of the solutions creates a dual-layer protection structure of "employee benefits + family safety net," extending from basic welfare to family care [5] - The product matrix will cover various needs, transitioning from basic protection to precise safeguarding [5] - The service model shifts from traditional "post-claim" to "proactive health management," integrating medical, technological, and professional resources to establish a comprehensive health management service system [5] Collaboration and Market Insights - CITIC Prudential Asset Management and Hanya Investment deepened their collaboration to explore innovative paths in asset management, launching a joint brand report system for global market outlooks [3] - The first outcome of this collaboration is the "Global Market Outlook Report for Q4 2025," focusing on asset allocation rebalancing in an era of uncertainty [3] - The investment strategies discussed emphasize a return to fundamentals, advocating for "systematic investment" as a core principle to balance returns and risks in a low-interest, high-volatility market [4] - The integration of AI technology with asset management is highlighted as a key driver for industry evolution [4]