Postal Simple Life Insurance features non-physical examination insurance with simple procedures, providing all R.O.C. citizens with basic financial security. In addition, one-stop insurance coverage and claim services are available at the post offices across Taiwan, which is well-received by the general public. The number of policies (in force) as of the end of 2025 was 2,262,025 with the insured amount of NT$749.0253 billion and the total premium income amounted to NT$70.97946 billion.

Chunghwa Post is committed to aligning with market demands. Pursuant to the "Precautionary Matters on Life Insurance Product Review", information and terms of various insurance products are simultaneously disclosed on the official website for consumers’ review. In addition, an interactive navigation page, “Master of the Insurance Seas” has been designed to assist users to quickly find insurance options that may suit them. In 2025, Chunghwa Post launched “Hao-Ji-Li Endowment” and “Jin-Man-Yi Endowment” for the public to choose from, bringing the total number of products currently on sale to 15.

As of the end of 2025, the number of registered salespeople was 25,365, who can provide relevant services to policyholders at any time in accordance with “Regulations Governing Business Solicitation, Policy Underwriting and Claim Adjusting of Insurance Enterprises”. In addition, Chunghwa Post has also established the “Postal Simple Life Insurance Underwriting Systems and Procedures” and the “The System and Procedures for Claims Settlement of Postal Simple Life Insurance”, requiring personnel to conduct underwriting in an impartial and detached manner, respond promptly to communications related to claims settlement, and treat policyholders with humility, fairness, justice, and conscience. Through these efforts, the Company is committed to establishing sound communication channels and enhancing policyholders’ satisfaction with and trust in its insurance services.

To cooperate with the policy of caring for the economically disadvantaged and given the rapid ageing population in Taiwan, there is an urgent need for the widespread adoption of basic insurance for the elderly. Chunghwa Post launched the Accident Microinsurance Rider and An-xin Whole Life Insurance in 2014 and 2017 respectively to assist the government in constructing a robust social safety net. In addition, revisions are made in accordance with relevant regulations of the Financial Supervisory Commission （FSC）, and the insurance eligibility criteria are gradually loosened to enable more people to obtain basic coverage at at a lower threshold, thereby promoting financial inclusion. In 2025, the proportion of premium income in the first year of protection-type and elderly insurance products accounted for 99.92%.

The above two products are deeply trusted by the public. Through promotion and advocacy, we provide basic protection for the financially disadvantaged, and have been recognized by the Insurance Bureau of the Financial Supervisory Commission (FSC). We have won FSC’s “2025 Annual Microinsurance Contest”, “2025 Small Amount Whole Life Insurance Competition”.

For policyholders who pass away or are injured due to major accidents, natural disasters, or pandemics, and their families, the Company offers condolences, sympathy, and care, while assisting with subsequent claims settlement. A 24-hour customer service hotline (0800-700-365; mobile users may call the paid line at (04) 2354-2030) is also available for emergency inquiries, enabling families to quickly access relevant services.

To enhance public understanding of new financial services, establish correct and prudent financial and consumption attitude, and strengthen fraud prevention awareness, Chunghwa Post has been organizing Campus Lectures/Community Lectures on Financial Knowledge every year since 2005. We invite our partner investment trust or securities companies, as well as our employees who are familiar with digital financial services and fraud prevention to serve as lecturers. The lecturers present the content in a clear and easy-to-understand manner to integrate financial knowledge into life experience and add interactive and prize-winning quiz sessions to the event to enhance participant engagement and resonance of the attendees of the lectures.In 2025, a total of 182 sessions were held.

In terms of the postal life insurance businesses, Chunghwa Post’s 19 post offices contacted community groups, high schools or colleges in their jurisdiction and jointly organized the Postal Life Insurance Exchange Symposium and Insurance Knowledge Community/ Campus Lecture, and stayed close to customers to deepen relationships to understand customers’ needs and suggestions for postal life insurance while conveying the importance of insurance to help grasp the pulse of the market.

Since 2006, Chunghwa Post has established a dedicated unit to monitor fraud-related abnormal transactions. On July 5, 2023, a cross-departmental “Anti-fraud Task Force” was established, supervised by the Vice President level executive. By upgrading anti-fraud work from operational execution to strategic governance, risk management and cross-functional resource integration are coordinated to strengthen the overall effectiveness of fraud prevention governance.

From the implementation perspective, Chunghwa Post has introduced AI models to deepen the analysis of customer and transaction behavior, and implement automated and differentiated control for high-risk accounts. When customers show signs of potential fraud or engage in specific transactions, such as cash withdrawals by elderly customers, over-the-counter deposits without passbooks, or pre-arranged transfers, frontline staff are reminded to reinforce caring counter questions, in collaboration with police joint prevention and intervention measures, as well as daily screening of suspicious accounts, to enhance overall fraud prevention effectiveness.

Domestic fraud cases have been increasing in recent years. To cooperate with the government in maintaining financial order and strengthening anti-fraud awareness, Chunghwa Post adopts comprehensive anti-fraud measures to safeguard customers’ assets and strengthen overall financial security. Chunghwa Post has long operating hours, numerous business locations, and the largest number of deposit accounts among financial institutions. Our depositors come from all walks of life, including students, housewives, middle-aged and elder adults, together with vulnerable populations receiving social welfare assistance, who are more likely to become targets of fraud due to limited fraud prevention awareness, potentially leading to their accounts being classified as warning accounts.

We actively care for our depositors (especially older adults) and make inquiries about their withdrawal purposes. When a case is identified as a fraud-related incident, proactive intervention measures are taken, including warning and dissuading the customer and notifying the police for further assistance, to safeguard the public’s safety and property. As of the end of 2025, 2,566 cases of financial fraud had been successfully prevented, reducing the public’s property losses by approximately NT$1.21475 billion.