As China’s population aging process accelerates, actively responding to demographic challenges has become a crucial component of national strategy. Within this context, the insurance sector’s role in retirement financial services has grown increasingly prominent. Fude Life Insurance, as an industry leader, is translating this national strategy into concrete actions by building comprehensive product-service systems and advancing retirement ecosystem development.
In recent years, Fude Life has leveraged its core insurance expertise to make significant strides in elderly accident insurance, third-pillar retirement security system development, and personal pension services, aiming to play an even greater role in strengthening China’s retirement security framework.
Diversified Product Portfolio Meets Varied Retirement Needs
Fude Life has consistently centered its offerings around client needs, providing comprehensive solutions including health management services for premium clients. Since launching its VIP Club in 2010, the company has continually expanded service tiers, culminating in the 2021 introduction of its F+ client system which increased high-net-worth client capacity tenfold.
The newly upgraded VIP service system now addresses core premium client needs through:
- Travel privileges and global assistance programs
- Exclusive medical check-ups and legal advisory services
- Comprehensive end-to-end support
“The essence of service lies in genuine care,” notes a company representative. After fourteen years of refinement, Fude Life has established nine premium client tiers offering over forty services across four categories: privileges, health, assistance, and concierge—truly putting clients at the center with warm, personalized service.
For broader customer segments, Fude Life combines insurance products with health management services through integrated online-offline solutions, providing complete pre-consultation, during-treatment, and post-care health management programs.
Building a Retirement Ecosystem: Charting a New Course
Facing market headwinds in traditional life insurance, Fude Life has strategically positioned retirement services as its secondary growth engine—a decision aligning with both business development needs and national strategic priorities. Guided by its vision of “Better Living, Healthier Life,” the company continues advancing in health-retirement sectors.
Since 2015, Fude Life has transformed from investment-driven to balanced insurance-investment operations.Maintaining strategic focus on value creation and refined management has yielded remarkable results: 2024 saw substantial year-over-year growth in agent numbers, top performers, and new business value—marking a new chapter since its professional agency transformation.
The “Better Living” retirement initiative targets seniors’ homecare scenarios through an “insurance products + homecare services” model, creating one-stop homecare solutions that extend service chains while empowering agents and optimizing premium structures.
Deepening Product-Service Integration for a Brighter Future
Modern retirement demands require insurers to provide not just reliable pension cash flows but integrated service ecosystems. Fude Life’s “Better Living” initiative answers this call by connecting financial products with physical care services—leveraging annuity products’ third-pillar role while consolidating health-retirement industry resources for superior service delivery.
Unlike competitors’ asset-heavy approaches, Fude Life focuses on homecare—the most prevalent option that aligns with traditional family values and China’s “9073” retirement framework (90% homecare, 7% community care, 3% institutional care). Through integrated homecare, community care, and travel-retirement options, the company enables cross-experiences across different retirement lifestyles.
Pioneering an innovative “one generation purchases, two generations benefit” concept, Fude Life makes insurance tangible by allowing current retirees to enjoy services while policyholders plan for their own future.
Putting Clients at the Heart of Retirement Solutions
“A nation’s constant governance principle should be benefiting its people.” Staying true to its client-centric philosophy, Fude Life continues making customer needs, experiences, and trust its operational foundation.Through the “Better Living” initiative, the company effectively merges retirement products with services, contributing to society’s goal of ensuring all citizens experience secure, high-quality retirement years.
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