In order to give further play to the advantages of insurance protection and protect the people’s good life, on April 8, Ping An Insurance (Group) Company Of China Ltd(601318) Life Insurance Co., Ltd. (hereinafter referred to as “Ping An Life” or “the company”) held a press conference on “Mastering and determining wealth and drawing a long life – ping an Shengshi Jinyue and four product systems”. This press conference discussed the risk protection scheme under the current economic trend, and emphatically released the “Ping An Shengshi Jinyue life insurance” (hereinafter referred to as “Shengshi Jinyue”) and the four product systems of “Royal enjoyment, Shengshi, Zhiying and Ruyi”, integrating health management, health care and home-based elderly care services to provide customers with one-stop risk solutions. Yang Lan, a well-known media person and chairman of sunshine media group, served as the special host of the press conference. Li Daokui, President of China economic thought and Practice Research Institute of Tsinghua University, sun Hanjie, chief actuary of Ping An Life, Tan Mingxiu, general manager of Ping An Life’s personal insurance product R & D management team, Lin Wei, deputy general manager of Ping An Life’s product promotion team, and others attended the press conference.
At present, China’s economy is facing many uncertain risks. In addition to the deepening degree of aging in today’s society, in order to better help the wealth planning and quality pension needs in the era of longevity, Ping An Life responded to the national strategy of actively coping with population aging, further enriched the supply of insurance products, and launched Shengshi Jinyue life insurance to help customers resist uncertain market changes with certain growth, Realize the dual protection of life value and wealth value. At the same time, Ping An Life has released four product systems of “Royal enjoyment, prosperous times, Zhiying and Ruyi”, which match the diversified protection needs of customers and ensure a better life for the public with safe feelings of home and country and good wishes to customers.
Sun Hanjie said: “Ping An life always adheres to the people-centered development idea, adheres to the concept of ‘professionalism, making life simpler’, closely follows the development trend of the times, relies on the innovation of digital means, has insight into the diversified needs of customers, and provides customers with one-stop financial and insurance services that are ‘worry-saving, time-saving and money-saving’. In the era of rapid change, we strive to be customers’ lifelong friends, so that no matter what stage of life they are in, Can find their own products in Ping An Life Insurance, so that customers can have peace and have more confidence in life. “P align = “center” came into being: Golden Yue guarantee and double guardian of wealth
Under the background that risks and uncertainties are intertwined, and economic development brings a burst of demand for high-quality health services and elderly care services, Ping An Life actively responds to the trend of the times and the needs of the people. Ping An Shengshi Jinyue life insurance came into being. At the press conference, Lin Wei elaborated how Shengshi Jinyue created “quality pension” and “wealth management” solutions for customers.
According to Lin Wei, as an increased life insurance, Shengshi Jinyue has four characteristics: safety determination, continuous growth, on-demand control and emergency preparedness.
Specifically, Shengshi Jinyue’s insurance interests are determined, safe and reliable. As a life-long life insurance with both cash value and annual insurance amount, the cash value begins to increase by about 3.5% year by year after the payment expires for a certain year. The annual insurance amount will increase by 3.5% every year from the second policy year. The longer the time, the higher the annual insurance amount. The innovative double insured design can not only enhance the control and flexibility of wealth inheritance, but also enlarge the value brought by time. For example, if one of the parents and the child are the insured, it may prolong the growth cycle of Shengshi Jinyue’s annual insurance amount and cash value; You can also transfer this policy with continuous growth of annual insurance amount and cash value to children through the operation of changing double insured into single insured. In addition, Shengshi Jinyue supports the policy loan function and can respond to emergency capital needs.
In the interactive Q & a session, Lin Wei explained the value and significance of Jinyue in the prosperous age for people of different ages: “It’s true that every customer has their own individual differences, and the security needs they pay attention to at different stages are also different. I will illustrate the security value of Shengshi Jinyue with several typical life stages. For young people in the early stage of career development, configuring Shengshi Jinyue can not only obtain personal security and deal with unpredictable personal risks, but also realize compulsory reserves, accumulate for the future, and avoid excessive consumption and capital diversion For other purposes; For middle-aged people with stable career and stable income, shengshijinyue can help them resist life risks, reflect their love and responsibility for their families, and meet their life needs such as children’s marriage and parental support; For high net worth people who have accumulated a certain amount of wealth, increased lifetime life has the functions of personal security and wealth inheritance, and is an indispensable part of family asset allocation. “P align = “center” ingenuity: four product systems to create integrated solutions
Lin Wei pointed out that although Shengshi Jinyue products are suitable for customers of different ages, if only a single product is configured, there will be some deficiencies in the comprehensiveness of the guarantee and the sufficiency of the insured amount. At the same time, in the era of increasingly transparent information, customers have a more active attitude and deeper understanding of insurance, resulting in more personalized and hierarchical needs than ever before.
Based on this, Ping An Life heavily released four product series of “Royal enjoyment, prosperous age, Zhiying and Ruyi”. The product name of each series will contain a series of theme words. Starting from “Ruyi”, it will go deep layer by layer to protect customers’ health and wealth, and highlight the mission of Ping An and the internal value of Ping An products.
Tan Mingxiu introduced in his speech that each series of “Yuxiang, Shengshi, Zhiying and Ruyi” includes six types of insurance products: serious illness, accident, medical treatment, life insurance, reserve and pension, so as to help customers deal with the risks of illness, pension and other risks in life, as well as asset allocation problems such as children’s education and inheritance. “From the analysis of previous customer profiles, we divide the customer base into four categories, and design products that match their needs based on each type of customer profile.” Tan Mingxiu further introduced.
“Ruyi” series focuses on customers who have just started their career and accumulated wealth. In product design, it focuses on accident and medical products with “less cost and high security”, so that customers can have basic security first and increase their sense of security. For example, if the customer has serious problems, the configuration can be better.
“Zhiying” series is designed for customers in the period of rising career and wealth. The products focus on providing a wider range of protection covering the whole life cycle, such as lifelong protection of serious diseases and mild diseases. “Most of the customers at this stage of life have formed families and assumed more responsibilities. At the same time, they have large expenditures such as car loans and housing loans. In this case, the income interruption caused by the risk will have a great impact on their life. Therefore, they pay attention to various risks that may affect their income, such as disease, accident, medical treatment and so on.” Tan Mingxiu said.
“Shengshi” series focuses on the social elite groups, and carries out product design according to their needs for security, meeting their personalized preferences. For example, for customers entering the high debt period, the insurance amount can be increased periodically to hedge risks; For customers worried about the high incidence of specific diseases, the guarantee of the disease can be strengthened separately.
“Royal enjoyment” series is customized for people who have realized wealth freedom to help them realize the guarantee of quality life and the planning of wealth scientific inheritance. Tan Mingxiu gives an example: “in terms of pension needs, through the model of product + service, we help customers plan for the three stages of pension vitality period, health care period and care period, and provide diversified solutions integrating pension, happy living, health security and asset inheritance.
For example, in terms of pension and happy living, Ping An Life can not only provide pension fund reserves, but also ensure the quality of pension life by virtue of the advantages of resource integration; In terms of health security, medical resources covering the whole cycle of diseases; In terms of wealth management, wealth inheritance is realized through the mode of insurance +. In the pension stage, customers just enjoy life and leave the rest to Ping An. “
It is worth noting that at present, the three services of Ping An high-end health care, home-based elderly care and health management have been successfully implemented. In terms of “health management”, Ping An launched an exclusive health management plan, configured professional family doctors for qualified customers, and provided three-dimensional health services of “on-line, in store and at home”; In terms of “home-based elderly care”, safe integration of social high-quality elderly care resources, with the help of an exclusive housekeeper, 10 service scenarios and a set of supervision system, to create a one-stop elderly care service of “the elderly are comfortable, the children are at ease, and the housekeeper is attentive”; In terms of “high-end health care”, Ping An released the health care brand of “Zhen Yi Nian”, starting from the “Yi Nian city” of the comprehensive elderly care community to create a medical care complex project integrating panoramic medical treatment, smart community, fine maintenance and happy life. With the official release of the four product series of “Yuxiang”, “Shengshi”, “Zhiying” and “Ruyi”, Ping An Life is constantly deepening the “product + service” strategy to truly protect the health and happy life of our customersP align = “center” steady: coping with uncertain market with insurance
“2022 is a year full of uncertainty, which is far more uncertain than in the past few years.” In the keynote speech of this press conference, Li Daokui shared his insights on how to conduct wealth management, analyze and grasp management decisions under the background of complex situation based on his prediction of the economic situation in 2022.
“How does China respond to these uncertainties? The tone of this year is one word – ‘stability’.” Li Daokui has his own opinion on how to embody the importance of stability: “relying on the development of infrastructure and the stimulating adjustment to the private economy, China can stabilize the GDP growth rate of 5.5% this year. Although the causes of the epidemic in the first quarter or the first half of the year may have a negative impact on China’s economy, it will recover from the second quarter, showing the characteristics of” low in the front and high in the back “throughout the year.”
It is worth noting that the economic situation of seeking progress in stability has also brought enlightenment to personal wealth management. “In the face of the risks brought by the epidemic, the state chose to take strict prevention and control as the social ‘insurance’ to minimize the loss of life. For individuals, in the face of many uncertainties this year, they should also be consistent with the state, so that insurance, a financial product, can play its role of risk protection and become the top priority of personal wealth management.” Li Daokui further said.
Pursuing security in the face of risk is one of the most simple aspirations of the public. As sun Hanjie said in his speech at the press conference: “through the test of the epidemic, health and longevity, peace and happiness are more precious. On the one hand, as China enters the era of longevity, having a healthy body and mind and quality pension has become the common pursuit of the people. On the other hand, in the face of the downward pressure of the economy, people are more eager to realize the steady preservation and appreciation of wealth.”
Serving people’s livelihood security and economic and social development is not only the natural mission of insurance, but also the necessary meaning for the insurance industry to move towards high-quality development. Yang Zheng, Party Secretary of Ping An Life, said that in the future, the company will continue to adhere to the people-centered development idea, rely on the improvement of digital ability, continue to enrich the connotation and extension of insurance products from the needs of customers, and protect Wanjia Ping’an with warm insurance and servicesP align = “center” (scroll) p align = “center” important:
[1] Ping An Shengshi Jinyue life insurance is abbreviated as Shengshi Jinyue (main insurance).
[2] annual insurance amount of Shengshi Jinyue = basic insurance amount × (1 + 3.5%) ^ (number of policy years – 1). The death or total disability insurance benefits of shengshijinyue shall be paid according to the greater of the premium paid by shengshijinyue and the cash value of shengshijinyue before the age of 18, and the death or total disability insurance benefits shall not be paid according to the annual insurance amount; For death / total disability after 18-40 years old / 41-60 years old / 61 years old, 160% / 140% / 120% of the premium paid by shengshijinyue, the cash value of shengshijinyue and the annual insured amount shall be paid respectively. See the insurance clauses for details. If there are two insured persons in the main insurance contract, if any one of the insured person dies or is totally disabled, we will not be liable for paying the death or total disability insurance benefits in the main insurance contract. The death or total disability insurance benefits will be paid after the death or total disability of the last insured person. If two insured persons die or are totally disabled at the same time, or the order cannot be determined, the death or total disability insurance benefits of the two insured persons will be calculated respectively, The death or total disability insurance benefits shall be paid according to the greater value of the latter two. See the terms for the payment rules.
[3] after a certain period of time, the annual growth rate of cash value is about 3.5%. The specific time varies according to the payment period, the age and gender of the insured. The first year after the expiration of the minimum payment period and the 15th year after the expiration of the maximum payment period.
[4] shengshijinyue can choose two insured persons. The two insured persons shall be agreed by you and us when applying for insurance and shall be stated on the insurance policy. If there are two insured persons in the main insurance contract, the insurance period of the main insurance contract starts from the effective date of the main insurance contract to the death of the last insured. After the 7th anniversary of the main insurance contract and the payment period of the main insurance contract has expired, and both insured survive, you can apply to us to reduce one insured. If we review and agree, we will specify the retained insured on the endorsement.
[5] the situation referred to in this article is that father or mother a is the applicant, and it is agreed that two generations of parents and children (father or mother a and Child B) are the insured of Shengshi Jinyue. When father or mother a as the applicant survives and Child B reaches adulthood (over 18 years old), father or mother a can choose to change child B as the applicant and inherit the policy to the child.
[6] the policy loan shall meet the rules and restrictions of Shengshi Jinyue policy loan. See the insurance terms for details.
[7] the contents contained in this article are only for your understanding of the insurance terms. In some cases, we will not be liable for paying the insurance benefits. See the insurance terms for the specific insurance liability, liability exemption, contract termination and other contents.
[8] home care services are provided by Shenzhen zhonghaicheng Information Consulting Service Co., Ltd., Ping An comprehensive financial services Co., Ltd., Ping An Health Internet Co., Ltd., Ping An International Smart City Technology Co., Ltd. and other qualified third-party institutions. Among them, the consultation results or evaluation suggestions involved in some service contents cannot replace the doctor’s face-to-face consultation and hospital diagnosis and treatment. If you have any discomfort, please go offline in time; The indicators shown in the tests under relevant services are not used as the basis for diagnosis, confirmation and treatment. Please refer to them carefully.
[9] health management services are provided by Ping An Health Internet Co., Ltd., Ping An Medical Technology Co., Ltd. and Ping An International Smart City Technology Co., Ltd Ping An Insurance (Group) Company Of China Ltd(601318) Life Insurance Co., Ltd. reserves the right to adjust the service content, service provider and service provision rules.
[10] the object of providing health care services shall be confirmed by the confirmation letter of application for admission qualification of Ping’an Yinian city community (phase II) (hereinafter referred to as the confirmation letter). The confirmation letter is provided by Ping An zhenyinian (Shanghai) Enterprise Management Co., Ltd. (hereinafter referred to as “zhenyinian company”). Zhenyinian company provides the application qualification of Yinian city community to the equity subjects or relevant personnel according to the confirmation letter. Yinian city community: refers to the super high-end community and its operation organization under the brand of Ping An zhenyinian. The architecture, landscape and services in Yinian city community are provided by the project company cooperating with zhenyinian company. Yinian city’s communities include projects in Beijing, Shanghai, Guangzhou, Shenzhen and other urban core areas. The specific opening time of the community shall be subject to the notice of Yinian city community.
