Founder Securities believes that the outlook for the insurance industry is bright, with continued growth in demand for individual insurance and bancassurance products. The company expects improvement in high-quality income and loss ratio in the property insurance field. The recovery of investment and stable interest rates will alleviate the pressure of asset reallocation for insurance companies. However, existing risks include market volatility, credit risks, weak sales of new products, downward trends in long-term interest rates, and agent attrition.