Inclusive Services
In 2025, KGI Life continued its cooperation with six county and city governments — Kaohsiung City, Tainan City, Yunlin County, Yilan County, Hualien County, and Taitung County — as well as social welfare groups. Microinsurance premium income was NT$20.59 million, and the target achievement rate against the annual target approved by the competent authority was 215%, ranking KGI Life first in the industry. Approximately 100,000 disadvantaged people benefited from the basic protection of microinsurance.
Staying true to its founding commitment to love and care and to shared prosperity with society, KGI Life's microinsurance promotion has been recognized by the Financial Supervisory Commission. In 2025, KGI Life received the Excellence Award for Microinsurance Promotion – Silver Award from the Taiwan Insurance Institute, and in the Financial Supervisory Commission's microinsurance competition won 2nd Place for Insurance Company Category for the second consecutive year, the Business Excellence Award for eleven consecutive years, and the Care for Persons with Disabilities Award for six consecutive years — actively demonstrating the spirit of implementing financial inclusion and treating customers fairly.
The government has been calling for combining health and insurance and raising public awareness. In response, KGI Life has combined big data analysis and the Internet of Things with its exclusive app to encourage policyholders to manage their own health and develop good living and exercise habits. Through health management insurance policies with spillover effects, policyholders enjoy insurance coverage and, if they meet the agreed conditions, can also receive rewards through mechanisms such as premium reductions, increased sum assured, or cash payments. This helps policyholders save money and stay healthy, elevating insurance products beyond claims payment to health prevention, and reducing policyholders' exposure to disease risk.
Digital financial technology continues to develop, and its applications are growing more diverse. KGI Life will extend the spirit of spillover policies and continue to develop health management policies. Through product development combining health insurance with health promotion, KGI Life meets customers' insurance needs in health management.
In an aging society, retirement planning now concerns every generation. For the sandwich generation and young earners on modest incomes, it is even more important to prepare for retirement protection. KGI Life's Retirement Preparation Platform offers three major categories of products: term life insurance, critical illness insurance, and small-amount whole life insurance. The application process is simple, and customers can apply online any time, with a variety of payment periods and sum assured options.
In recent years, advances in medical technology have continued to extend life expectancy. According to the Abridged Life Table published by the Ministry of the Interior, the average life expectancy in Taiwan has reached 80.77 years, while the Ministry of Health and Welfare reported an average healthy life expectancy of 72.45 years, which means the average unhealthy life expectancy is about 8.32 years, including years spent in disability, being bedridden, or with chronic illness. Every family must take long-term care seriously. To raise policyholders' awareness of long-term care insurance and provide all-round protection through long-term care policies, KGI Life has launched a simplified mechanism for applying for long-term care insurance benefits, effectively reducing the burden on caregivers and increasing application convenience.
Lump-sum Covers One-time Expenses in the Initial Stage of Care In the initial stage of care, there is a need to purchase assistive devices and medical equipment, such as wheelchairs, air mattresses, electric beds, and oxygen machines, or to set up a barrier-free environment with large expenses. A lump-sum payment can meet the policyholder's urgent needs.
Installment Annual Payments to Cover Recurring Care Expenses Whether care is provided by family members or a hired caregiver, there will be fixed monthly care expenses, such as purchasing nutritional supplements, diapers, or caregiver fees. Installment payments can provide policyholders with a stable cash flow to cover these long-term expenses.
The targets linked to KGI Life's ESG investment-linked insurance products are selected through a rigorous screening process that chooses funds recognized as ESG-compliant by the competent authority, in line with the sustainability and ESG philosophy. In 2025, four new funds recognized as ESG-compliant were added. Sustainable development is factored into the investment decisions for these products, so that ESG investment not only enables investors to exercise their influence on social responsibility but also delivers long-term performance that can withstand financial market fluctuations.
As of the end of 2025, the number of funds listed in the ESG fund section of FundClear, the fund information platform operated by the Taiwan Depository & Clearing Corporation, has reached 10. KGI Life has strengthened ESG labelling in the investment-linked insurance section of its website, guiding funds toward opportunities in related sustainable industries.