At dawn, the sky is just beginning to brighten, and the headlights of trucks on the highway pierce through the night. Freight drivers have already embarked on the journey of cross city transportation; On the city roads during the morning rush hour, ride hailing drivers shuttle through the streets and alleys of buildings, taking on wave after wave of travel orders; As mealtime arrives, delivery riders wear helmets and ride electric bikes through the traffic, delivering takeout meals to thousands of households; At the entrance of the community and the community post station, couriers transport packages in large and small packages, connecting the "last 100 meters" of material circulation.

Truck drivers, ride hailing drivers, couriers, and food delivery workers are collectively referred to as the "two companies and two employees". They are an indispensable mobile blood for urban operation and a large-scale new form of employment under the booming platform economy. They silently support all aspects of social livelihood supply, commercial circulation, and residents' living services. However, accompanied by this, this group generally has the practical characteristics of flexible labor relations, mobile work scenarios, and high-frequency job risks. They travel on the road all year round, with prominent risks of traffic accidents, accidental injuries, and sudden illnesses, becoming a key livelihood issue of concern in the fields of social governance and inclusive finance.

The state attaches great importance to the protection of the rights and interests of workers in new forms of employment. At the financial policy level, at the 2026 Lujiazui Forum, the State Administration of Financial Supervision and Administration explicitly proposed to strengthen financial protection for weak links, develop exclusive inclusive products for new employment groups such as "two departments and two employees", and help stabilize enterprises and employment. In May of this year, the State Administration for Financial Regulation issued the "Notice on Doing a Good Job in Financial Services for Small and Micro Enterprises in 2026", further promoting the pilot work of inclusive insurance for new employment groups such as "two departments and two employees".

As a large state-owned financial and insurance enterprise, China Life Insurance Co., Ltd. (hereinafter referred to as "China Life", stock codes: 601628. SH, 2628. HK) Resolutely implement the decision and deployment of the Central Committee of the Communist Party of China on safeguarding the labor protection rights and interests of workers in new forms of employment, strictly benchmark relevant policies and work requirements, based on the original mission of "finance for the people", fully leverage the advantages of life insurance main business, rely on the service network covering provinces, cities, counties, and townships across the country, focus on the real pain points of the "two departments and two employees" group, and make efforts from multiple dimensions such as strengthening product supply, optimizing underwriting models, upgrading claims services, risk reduction management, financial consumer protection education, and warm-hearted services to deliver universal insurance services to logistics parks, ride hailing platforms, express sorting centers, and food delivery sites, weave a multi-level insurance protection network for thousands of "urban runners", and help improve the social security of new employment groups. Guarantee system.

Enrich the supply of insurance products

Enhance the risk resistance ability of the "two new" population

In recent years, China Life Insurance has launched a series of more than 10 inclusive insurance products, including "new formats," "work-related injuries," and "migrant workers," focusing on the new employment group of "two companies and two employees." These products cover multiple levels of protection responsibilities such as accidental injury, medical expense compensation, and hospitalization allowances. In addition, they provide personalized and customized protection responsibilities based on the occupational risks of the new employment group of "two companies and two employees," such as accidental death by riding, accidental death by driving a motor vehicle, accidental fracture allowances, and heatstroke protection responsibilities, effectively improving the risk resistance ability of the "two new" population. In addition, the company uses universal accident insurance, medical insurance, term life insurance, disease insurance and other products as the basic modules, supporting flexible combination and quick response to the protection needs of the new employment group of "two companies and two employees", and continuously expanding the coverage of universal insurance.

By 2025, the number of insured people for China Life's "New Business", "Work related Injury", "Employment" and other "Two New" special products will exceed 34.49 million.

Taking the promotion situation in Fujian as an example, by the end of 2025, the "two companies and two employees" business of China Life Fujian Branch has covered a total of 38000 people and provided personal risk protection of over 16 billion yuan. In terms of segmentation, for the group of truck drivers, 79 transportation and logistics companies were insured, covering 1287 people and providing protection of 1.06 billion yuan; Targeting the group of ride hailing drivers, 6 ride hailing companies were insured, covering 963 people and providing a guarantee of 1.12 billion yuan; For the group of couriers, 5 courier delivery units were insured, covering 378 people and providing a guarantee of 97 million yuan; Targeting the group of food delivery personnel, covering 428 people and providing a guarantee of 120 million yuan. In addition, the company actively collaborates with the local labor union to participate in the "100000 New Business Personnel Accident Insurance" project, providing insurance protection services covering accidental medical treatment, disability, death, heat stroke and other needs. It has insured a total of 38000 core groups of "two companies and two employees" and provided personal risk protection of 15.39 billion yuan. Among them, the Fuzhou branch provides accident insurance coverage for 23000 new employment workers, with a coverage amount of 6.73 billion yuan; Pucheng Branch Company participates in the local "gig worker insurance" project, which includes online ride hailing drivers, couriers, etc. in the scope of protection.

In Suzhou, Jiangsu, delivery rider Xiao Hu works diligently, rain or shine, and delivers 1200 orders in a single month, striving for a better life with diligent work. However, an unexpected incident occurred on April 12th this year, when Xiao Hu accidentally fell and broke his bone during delivery. The medical expenses made him feel anxious and helpless.Considering that Xiao Hu has purchased the Suzhou Online Delivery Worker Accidental Injury Protection Plan from China Life Suzhou Branch and has also enrolled in the "Rider Insurance" special protection launched by Xiangcheng Branch, China Life immediately opened a green channel for claims, collected claim information on site, streamlined internal review processes, and coordinated with medical institutions to verify information synchronously. The two claims totaling 6500 yuan were completed in just 3 hours. Working hard in Suzhou, I feel particularly at ease. "After receiving the compensation, Xiao Hu said that the quick insurance claims eased his anxiety and confusion of wandering in a foreign land.

In Tongchuan, Shaanxi Province, under the guidance of the Tongchuan Supervision Bureau of the State Administration of Financial Regulation, the "Two Companies and Two Employees" insurance donation ceremony funded by the Tongchuan Insurance Industry Association and underwritten by China Life Tongchuan Branch was successfully held recently. This time, a special insurance guarantee with a total coverage of over 31.2 million yuan will be given as a gift to new industry practitioners such as couriers, food delivery riders, ride hailing and truck drivers. It is a landmark livelihood measure implemented by regulatory authorities to protect the rights and interests of workers in new forms of employment, China Life Insurance's deep cultivation of inclusive finance, and support for the construction of the Tongchuan National Inclusive Finance Reform Pilot Zone. Multi party linkage between government and enterprises, using insurance as a lever to provide a risk "protective umbrella" for frontline workers.

Image: Donation Ceremony for Caring for New Forms of Labor Protection in Tongchuan City

It is understood that China Life Insurance is closely focused on the demand for convenient claims services from the "two companies and two employees", vigorously promoting direct payment of claims and quick claims services without materials. At the same time, some medical, allowance, and critical illness businesses can be exempted from submitting paper documents to improve customer satisfaction. In the first seven months of 2026, the company's "New Business", "Work related Injury", "Employment" and other series of more than 10 inclusive insurance products compensated over 8000 people, with a compensation amount exceeding 270 million yuan.

Adhere to the principle of 'serving the people with practical matters'

Optimize the service experience of "two companies and two employees"

China Life combines the transmission of consumer protection concepts with "serving the people", taking education and publicity as the starting point and finance as the starting point, and combining the fragmented and highly mobile characteristics of the "two departments and two personnel" work. Through "mobile education" and "scenario based education", it strengthens the pertinence and effectiveness of financial education.

Offline, enter the "two companies and two employees". Select personnel with excellent professional abilities and strong service awareness as grid or work/small team promoters, and extend the reach of education to frontline work scenarios such as express delivery stations, food delivery stations, logistics parks, and passenger transport stations. Through hanging banners, posting posters, distributing brochures, and conducting "micro salons", daily popularization of financial insurance knowledge and anti insurance fraud knowledge is carried out, cognitive misunderstandings are eliminated, risk warnings are carried out, and the public's ability to rationally purchase insurance and protect their rights in accordance with the law is improved, helping to enhance financial literacy.Part of the institutions have joined forces with the Public Security Anti Fraud Center to dismantle high-risk scams such as telecommunications fraud, brushing orders for rebates, and false financial management. They have combined local real cases to explain the law, using "things around them" to warn "people around them" and enhance the risk identification ability of "two companies and two employees". The company also promotes problem-solving channels such as the 95519 hotline and financial dispute mediation workstations.

Build a cloud based "one-stop" website for fun education. Online promotion of the "Consumer Protection Cloud Park" platform, adapting to the mobile and fast-paced lifestyle habits of "two companies and two employees", by hiding financial knowledge in fun interactions, attracting consumers to learn while playing and easily understand financial knowledge. The platform displays anti fraud short videos, risk warnings, case by case insurance, interactive consumer insurance quizzes, and other content, transforming professional financial terminology into easy to understand and fun interactions, achieving financial knowledge that can be learned at your fingertips and understood immediately, effectively filling the time and space limitations of offline access, and building a 24/7, uninterrupted cloud education platform.

Open up convenient spaces to alleviate the pain points of "difficulty in resting and seeking help" for people who are on the go. There are over 2400 counter outlets nationwide, providing basic rest, relaxation guidance, emergency assistance, financial convenience and other services for outdoor workers and other groups. Utilize the fragmented gaps of waiting and resting for practitioners to carry out "micro propaganda lectures" or provide one-on-one consulting services, achieving an organic integration of "service+propaganda". At the China Life Tianjin Jinnan District Customer Experience Center, a corner called "Runner Harbor" stands out prominently. The rest area, emergency medicine box, charging equipment, and rain gear are all readily available, and the electronic screen is repeatedly playing special protection and anti fraud videos for couriers. This is not an ordinary business hall, but an exclusive service scene tailored by China Life for new forms of employment such as couriers.

Image: Worker Station

Previously, when I was tired of delivering packages, I could only brush my phone on the roadside electric bike to relieve fatigue. But now, this has become a 'resting area' where we can comfortably stay, "said Mr. Sun, a courier, after experiencing the counter service. The Jinnan Customer Experience Center will transform its counters from traditional business processing locations to "energy supply stations" and "risk havens" for new employment groups. Direct drinking water dispensers, emergency medical kits, raincoats and umbrellas, mobile phone fast charging stations - these seemingly subtle configurations precisely meet the most urgent practical needs of outdoor workers.

The core demand of the courier group for handling affairs is speed and simplicity, "said the person in charge of Jinnan Customer Experience Center. The counter has launched a" one-stop "convenient service for this purpose, forming a" one-on-one "exclusive service team, actively welcoming, accurately guiding, and efficiently pre screening, greatly reducing the waiting time in the queue. In response to special situations such as time constraints and limited mobility, we have also launched on-site services and remote support through "air customer service" to truly serve people with digitalization.

The countless lights in the city cannot be separated from the wind and rain journey of thousands of "two companies and two employees". From the speeding trucks on the highway, to the ride hailing cars shuttling through the streets and alleys, from the busy food delivery riders in the wind and rain, to the delivery guys wandering the streets and alleys, every runner deserves a solid and reliable guarantee. China Life Insurance stated that it will always keep in mind the original intention of "finance for the people", actively play the role of insurance as the "two tools", continue to weave a risk protection net for new business workers, and protect the struggle of every urban runner with simple, high-quality, and warm "Guoshou Good Service".