Key Takeaways Rising demand for diversified life and health insurance products, coupled with strong customer retention, is driving growth and boosting profitability. Digitalization, disciplined asset allocation, and strategic risk reduction are improving efficiency, investment returns, and earnings stability.Read more

Key Takeaways Shrinking domestic market and unfavorable demographics are set to constrain long-term growth while exposing T&D Holdings to persistent economic risks. Ongoing low interest rates and legacy liabilities will worsen profitability, with rising competition further pressuring market share and revenue stability.Read more

Key Takeaways Declining surrender and lapse rates, along with demographic shifts, position the company for lasting insurance premium growth and stronger in-force policy retention. Diversification, digital transformation, and proactive capital management are set to improve margins, operational efficiency, and earnings stability despite domestic market headwinds.Read more
