1. Overview
“Ruyi Life Pension Plan” is a comprehensive pension finance service scheme launched under the ICBC pension brand - “Ruyi Life” for individual customers. Catering to customers’ actual needs in investment, health, and elderly care, it offers a package of products and value-added services, encompassing elderly care planning, preferred products, and elderly care services.
2. Service Features
Adhering to the design philosophy of “diversified layout, steady accumulation, and pleasant services”, “Ruyi Life Pension Plan” integrates the Group’s high-quality product and service system. Based on customers’ risk appetite for pension wealth and liquidity needs at different lifecycles, it selects a variety of pension wealth management products such as wealth management, insurance, deposits, funds, and gold, providing customers with flexible product choices and rich value-added services to meet their diversified pension planning needs.
3. Service Introduction
(1) Preferred products
“Ruyi Life Pension Plan” selects preferred financial products such as “wealth management, insurance, funds, and deposits” in the entire market to help customers accumulate pension wealth. It also provides featured products and services such as Ruyi Gold Accumulation, Gold Accumulation, and ICBC Family Wealth Management services, offering customers pension wealth inheritance solutions from family perspectives. According to the risk appetite and ages of different customer groups including elderly customers and those who were getting old, the products and services under the Ruyi Life Pension Plan are divided into three portfolios, i.e., Anxin, Stable Yield and Long-term Profitable.
(2) Value-Added services
The financial products purchased by customers who have joined the “Ruyi Life Pension Plan” will be counted in the total financial assets on an equal footing with other financial products of ICBC. According to the level of customers’ average daily financial assets in the month, they can equally enjoy a series of value-added services including Sheng Jin You Li, Yue Xiang Li Yu, Zun Xiang Li Yu, and “ICBC iBonus Point” redemption.
Pension services under the “Ruyi Life Pension Plan” refers to the supporting value-added services of pension annuity insurance, which are provided by ICBC-AXA Life Insurance, a pension and annuity insurance management institution. The services cover four major areas, i.e., health consultation, health management, home care, and institutional care. They adapt to the core elderly care needs of different elderly care stages with diversified services.
4. Procedures
(1) The customer accepts an invitation through the pension finance column of mobile banking to become a contracted customer of the “Ruyi Life Pension Plan”.
(2) The customer selects product or service portfolios under the plan.
(3) The customer can access the asset profile of the “Ruyi Life Pension Plan” through the pension finance column of mobile banking.
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