Guosen Securities research report shows that, from the perspective of product categories, according to industry data, there are currently over 253 life insurance products for sale, among which 107 are dividend-type products, accounting for 42.3%. Gao Chao, Chief Analyst of Non-Bank Financial Industry at Kaiyuan Securities, stated that nearly half of the newly launched products by insurance companies in October were dividend-type products. It is expected that during the "good start" period in 2025, insurance companies will primarily focus on savings insurance in the scale expansion phase, but the main products will shift towards dividend insurance, mainly in the form of dividend-increasing whole life insurance or dividend annuity insurance; during the value enhancement phase, high-value protection products will be predominant. (Securities Daily)