The "Xinfunian" combination plan adopts the method of immediate payment and immediate receipt to provide the insured with continuous and stable cash flow during the insurance period. Any healthy person from 28 days of birth to 65 years old can be insured. The insurance period is 80 years old. Payment methods can be selected as 3-year payment, 5-year payment and 10-year payment. If the insured survives during the insurance period, all the premiums paid (excluding interest) can be returned on the day when the pension annuity begins to be collected, and female customers can collect it at the earliest age of 55. Consumers can also apply for Xin Account (Diamond Edition) on the basis of the "Xin Fu Nian Nian" combined plan, and the insured can choose to transfer all the annuities, pension annuities, birthday bonuses and maturity insurance benefits of the "Xin Fu Nian Nian" combined plan to the "Xin Account (Diamond Edition)" universal account, and the related initial fees are exempted. In September, the settlement interest rate of Xin Fu's annual partner Xin Account (Diamond Edition) reached 4.55%.

Centennial Life Insurance Co., Ltd. is a national life insurance company approved by China Insurance Regulatory Commission. The company officially opened on June 3, 2009, and its headquarters is located in Dalian. The registered capital of the company is 7,794.8 million yuan, which is composed of Rongda Investment, Guangxin Holding Group (which has filed for bankruptcy), Dalian Fang Yi Real Estate, Jiangxi Mao Heng Real Estate, Dalian Urban Construction Group, Ke Rui Group, China Huajian Investment and other shareholders. Since its establishment, the company has always adhered to the scientific concept of development and operating mechanism, followed the road of sustainable development with value as the core, firmly grasped the historical opportunity of China's insurance industry and economic and social development, pioneered and innovated, forged ahead, and achieved healthy, rapid and sustainable development. At present, the company has set up 19 provincial branches in Dalian, Hubei, Hebei, Liaoning, Beijing, Henan, Heilongjiang, Anhui, Shandong, Jiangsu, Sichuan, Fujian, Shaanxi, Inner Mongolia, Jilin, Jiangxi, Shanxi, Zhejiang and Guangdong, and accumulated more than 200 branches nationwide, successfully completing the projects in Central China, North China and Guangdong. At the same time, Centennial Life also paid attention to the development in many fields, established an online gold holding company, and launched Internet financial and health management services such as happy treasure, Ebex Gold and Love Cube, taking the road of innovation and development.