Ping An Life Insurance Launches the Jinyue Series Dividend Insurance Products for the Company’s Anniversary, "Agreed Benefits + Dividend Opportunities" to Help Customers Grow Their Wealth

Recently, Ping An Life will launch the Celebration Jin Yue series of products, including Ping An Prosperous Era Jin Yue (Premium Version 26 II) Whole Life Insurance (Dividend Type) (hereinafter referred to as “Jin Zun Dividend Celebration”) and Ping An Prosperous Era Jin Yue Retirement Annuity Insurance (Dividend Type) (hereinafter referred to as “Jin Yue Retirement Celebration”)①, to meet customers’ multiple needs for insurance protection and asset planning. The Celebration Jin Yue series products are dividend-type insurance, balancing guaranteed benefits and dividend opportunities, providing customers with an integrated solution covering wealth accumulation, retirement planning, and asset inheritance② through flexible product features.

In the 2026 Government Work Report, it was proposed to develop measures to promote high-quality development of the silver economy and improve supporting policies for pension finance. Ping An Life has always regarded safeguarding people’s well-being as its mission, continuously expanding insurance products and services related to retirement and health, and supporting the high-quality development of pension finance. A relevant person from Ping An Life stated that the Jin Yue Celebration series products precisely match customers’ insurance protection and asset planning needs. The company will continue to enhance its comprehensive investment strength and strive to generate long-term stable dividend returns for customers.

Guarding with flexibility, peace of mind and surprises at the same time

Funding reserves are the pillar of retirement planning. Planning early in youth to create a stable income source for retirement life ensures quality of life in old age. Facing the dual challenges of declining interest rates and market volatility, customers hope to balance asset safety and growth. Ping An Life responds to market trends by launching the Jin Yue Celebration series, which combines “guaranteed benefits + dividend opportunities,” allowing customers to be both secure and enjoy the surprises of wealth growth.

Regarding guaranteed benefits, after paying premiums for a certain number of years, the cash value of Jin Zun Dividend Celebration begins to grow annually at approximately 1.75% until lifelong, and Jin Yue Retirement Celebration enjoys continuous growth of the current value before pension receipt③. The current value is contractually agreed, providing security for customer assets. Regardless of future economic changes, guaranteed benefits can be reliably received.

In terms of floating dividends, customers can share the operational results of Ping An Life’s dividend insurance products and participate in the distribution of investment returns. For example, Ms. Zhang, a 35-year-old customer, purchased Jin Zun Dividend Celebration with an annual premium of 30,000 yuan for 8 years, totaling 240,000 yuan. Under the dividend interest projection, her total benefits at age 65 would be 450,000 yuan; at age 85, 809,000 yuan; and at age 105, 1,453,000 yuan, exceeding six times the total premiums paid.

Flexible fund allocation, balancing retirement and inheritance

The design of the Jin Yue Celebration series fully considers customers’ different needs at various life stages. When young, the product helps establish savings habits, avoid impulsive spending, and build family protection. In old age, Jin Zun Dividend Celebration can be inherited by the next generation, while Jin Yue Retirement Celebration can be used for inheritance or to improve retirement life.

Jin Yue Retirement Celebration offers multiple insurance plans, allowing customers to flexibly adjust the proportion of maturity benefits④ based on their conditions and preferences. If customers wish to pass assets to the next generation, they can choose a higher maturity benefit ratio; if they want to use funds to enhance retirement life and enjoy a second chapter, they can lower the ratio. The starting age for pension receipt can be selected from 55 to 90 years old⑤. Before starting to receive benefits, customers can change the initial receipt age, insurance plan, and payment method; after beginning to receive, they can switch between annual or monthly payments⑥, with a maximum age of 105 (excluding).

Additionally, Jin Zun Dividend Celebration supports dual insured persons⑦, allowing customers to designate themselves and relatives as insureds on one policy, extending the growth cycle of cash value and enabling intergenerational inheritance.

Connecting quality resources, enjoying medical and retirement services

In the competitive landscape of insurance product homogenization, Ping An Life continuously enriches the connotation and extension of insurance protection through the “Insurance + Service” model. To address customers’ difficulty in accessing high-quality medical and retirement resources, Ping An Life offers a series of medical, health, and retirement services. Customers who purchase the Celebration version of Jin Yue series products and meet certain conditions can enjoy services such as family doctors, home-based retirement, and high-quality health care⑧, building an additional safety net for current and future life.

In medical and health services, Ping An provides “Premium Family Doctor” 24/7 service, covering health, chronic disease, and illness scenarios, with dedicated family doctors customizing health management plans for each customer. In retirement services, Ping An’s home-based retirement includes a three-in-one retirement steward assisting with medical resources, nursing services, and safety protection; “Ping An Zhen Yi Nian” high-quality health care community adopts the “City Core Elderly Care” model, centered on the “Seven Dimensions of Health” concept, providing professional, comprehensive integrated medical care and customized services for seniors.

A relevant person from Ping An Life stated that in the future, the company will continue to uphold the original intention of “Finance for the People,” focusing on core needs such as retirement, health, and wealth inheritance, continuously enriching products and services, and deepening the “Insurance + Service” model. The goal is to let more customers enjoy “peace of mind, time-saving, and cost-effective” high-quality financial services, supporting the high-quality development of the silver economy.

【Important Notice】

① Ping An Prosperous Era Jin Yue (Premium Version 26 II) Whole Life Insurance (Dividend Type) and Ping An Prosperous Era Jin Yue Retirement Annuity Insurance (Dividend Type) are dividend insurance. We determine the dividend distribution plan annually based on the actual operation of dividend insurance business. The dividend interest projection is based on the company’s actuarial assumptions and other hypotheses, and does not represent the company’s past performance or future expectations. Dividends are uncertain; in some years, dividends may be zero. Actual dividends depend on the company’s actual operating conditions.

② Descriptions related to inheritance, wealth appreciation, etc., in this document are only recommended uses of insurance benefits and are not within the scope of insurance liabilities. Pension insurance benefits (“pensions”) are distributed as needed, supporting high payout or high inheritance, with various payout modes to meet personalized needs, such as low payout/high inheritance or high payout/low inheritance.

③ After paying premiums for a certain number of years, before starting pension receipt, the cash value of Jin Yue Retirement Celebration increases annually by approximately 1.75%. The specific timing varies depending on the premium payment period and the insured’s age.

④ If the insured survives until the end of the insurance period, we pay the maturity benefit based on the contract’s paid premiums multiplied by the corresponding maturity survival benefit coefficient. The contract terminates. The six coefficients for maturity benefits are 100%/80%/60%/40%/20%/0%.

⑤ The starting age for pension benefits of Jin Yue Retirement Celebration can be selected from 55 (female)/60/65/70/75/80/85/90 years old.

⑥ During the insurance period, as long as the insured survives, they can receive pension benefits as agreed. Under annual payout, the pension amount equals the basic sum insured; under monthly payout, it is 8.4% of the basic sum insured.

⑦ The “dual insured persons” feature is supported only by Jin Zun Dividend Celebration, with two insured persons designated by the customer and the company at the time of application and recorded on the policy.

⑧ Services such as Premium Family Doctor, Family Super Therapy, Royal Medical Care, Home-based Retirement, and Ping An Zhen Yi Nian are provided by Ping An Health Internet Co., Ltd., Ping An Good Doctor, Ping An Zhen Yi Nian (Shanghai) Enterprise Management Co., Ltd., and other qualified third-party service providers. Ping An Health Internet only assists with appointment scheduling and does not participate in providing medical services. Ping An China Life reserves the right to adjust service content, target recipients, and service rules. Evaluation/consultation results involved are for health advice only and are not diagnostic or treatment basis.

(Editor: Jiao Yue)