Realizing Financial Accessibility | Excellent Customer Experience | Innovation | Shin Kong Life Sustainability
Realizing Financial Accessibility
Following the "SKFH Inclusive Finance Policy", SKL is committed to planning diverse and inclusive friendly insurance services to ensure all groups of people can enjoy equal financial services. Since the establishment of the Financial Inclusion Integration Task Force in March 2022, SKL has focused on promoting key aspects and principles of friendly finance, conducted cross-departmental reviews to assess the measures on digital finance, insurance products, sales mechanisms, and caring programs through quarterly meetings, ensuring that the needs of different groups can be met. Moreover, we dynamically adjust related management mechanisms in response to regulatory changes and report these initiatives to the Board of Directors in order to strengthen the governance structure of financial inclusion.
In addition to deepening the accessibility of financial services, SKL also actively supports the development of domestic cultural activities, and entered into a MOU with the Taiwan Creative Content Agency (TAICCA) to promote "ESG for Culture" through cross-sector cooperation, thereby supporting the sustainable development of Taiwan's cultural industry with practical actions. We firmly believe that finance not only drives economic development, but also promotes social diversity and inclusion through cultural co-creation to facilitate the creation of a more humanistic financial ecosystem.
In the future, SKL will continue to upgrade friendly insurance services in all channels, consider treating customers fairly and financial inclusion as the core value, and incorporate them into our corporate culture to respond to customers' diverse needs and practice financial inclusion.
Promoting Financial Accessibility
SKL actively responds to Sustainable Development Goals (SDGs) 1 and 8, and implements fair treatment of customers to achieve inclusive growth. We prioritize the diverse product needs of all groups by creating diverse and comprehensive products, aiming to realize our corporate mission of "making insurance available to all and providing security for every family."
For more information on our insurance products, visit the company website.
| Benefited Group | Type of Product |
 Seniors and people with disabilities |
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 Economically Disadvantaged Groups |
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 Young People |
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Expanding Financial Accessibility
SKL pays attention to changes in the external environment, recognizes the pain points in the use of financial services by all groups, and develops and provides convenient and friendly financial services and tools. The Company provided more than 12,000 people with a warm and friendly financial experience in 2024.
| Groups | Financial inclusive services |
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Individuals with disabilities |
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The middle-aged and elderly |
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Youth groups |
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 Low income households |
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 New immigrants/ Indigenous peoples/ Foreign nationals |
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Strengthening Financial Literacy
To enhance financial literacy within society, SKL has strengthened internal employee training, and promoted the importance of fraud prevention and related skills. Externally, SKL has extended our services and allocated more resources to financially vulnerable groups, including students in remote areas, youth groups, and the elderly. Through a variety of forms and channels, such as fun board game courses, professional financial courses, and seminars, we aim to raise public awareness about finance, insurance, and fraud prevention. In 2024, a total of 789 sessions were held, which benefited a cumulative of over 1.46 million participants, showcasing SKL's commitment to leveraging our core competencies in fostering financial inclusion.
Promotion of digital team throughout Taiwan |
The digital team, comprised of dedicated personnel from the Digital Service Development Department, promoted technology and fraud prevention knowledge to insurance agents during unit tours throughout Taiwan, and took advantage of morning meetings to teach concepts and skills on fraud-related laws and regulations, and assisting customers in identifying frauds. In light of the prevalence of phishing SMS scams, we have strengthened the promotion of the commercial short code "68288". The sales representatives further educated policyholders on how to recognize and identify frauds to minimize the risk of fraud and avoid financial loss. |
High School Financial Literacy Course |
In collaboration with the Education Bureau of Taichung City Government and the Taiwan Association for Financial Literacy Promotion, we have co-organized financial education to promote financial literacy among teenagers across high schools at all levels. Financial experts and industry professionals are invited to provide insights into various aspects of finance, including financial management, entrepreneurship, investment, and FinTech. They simplify complex financial concepts to provide teenagers with a solid foundation in financial education and diverse learning opportunities, thereby increasing their competitiveness. |
Guardians of Wealth |
In partnership with social enterprise Re-U, we designed the "Guardians of Wealth" board game course to teach students through interactive gameplay. By incorporating real scam scenarios into the game through "insurance event cards," the game creates situations for fraud prevention. Through the role-playing and dice-rolling process, the course features easy-to-understand insurance concepts and engaging interactions, which help enhance students' insurance literacy, and integrate financial knowledge into their daily lives. The board game course extends beyond urban campuses into rural areas, helping teachers in those areas to overcome challenges in financial literacy education. Students can thus understand how insurance provides personal risk protection and learn about avoiding becoming victims of fraud by not disclosing cash or personal information to others. Furthermore, the teaching aids used in the game are made from laser-cut waste materials and recycled paper, giving them a sustainable purpose. |
Golden Shield Guardian |
Taiwan lowered the age of majority under its Civil Law to 18 years old. In response to this revision, we have once again designed the "Golden Shield Guardian" board game course with social enterprise Re-U, which is suitable for the age group of the senior (vocational) high school and above. Through game-based teaching, real scam scenarios have been incorporated into "insurance event cards". Moreover, the role-playing and dicerolling interactions also enable students to learn about risk management in the game, thereby enhancing their insurance concepts and strengthening their financial resilience. |
SKL 165 Anti-Fraud Initiative |
Fraud recognition: Conduct online fraud prevention interactions and offline seminars through diverse channels to raise the awareness of fraud prevention. Fraud prevention: Examine violation pattern control guidelines and control mechanisms, and establish antifraud procedures for counter personnel to be included in educational training materials. Fraud intervention: Conduct regular audits on sales representatives to ensure the rights and interests of policyholders, and actively remind policyholders of important rights and interests to keep them alert. |
Literary Revolution |
In collaboration with social enterprise Re-U, we transformed the SKL Hsi Kua and Hsiao Yu into the main characters of the comics, using easy-to-understand phrases to convey correct insurance concepts to different groups. In addition to lovely and friendly comics, we have also endeavored to convey difficult insurance concepts to the public in an easy-to-understand manner. Furthermore, we offer information on a wide range of reading patterns. In addition to comics, we also provide text for the visually impaired for them to understand the content of the comics. |
Seminars on financial friendliness and digital literacy for new immigrants |
In response to the development of the digital financial era, in order to prevent new immigrant policyholders from facing the risk of fraud due to a gap in familiarity with digital payment tools, seminars have been held to introduce the terminology and concepts commonly used in insurance policies and promote the convenience of digital tools. |
Anti-fraud promotion for the elderly |
Taiwan will enter a super-aged society in 2026. At the same time, the number of fraud cases and financial losses are increasing year by year, in which fraud cases involving the elderly are witnessing a rapid growth. In light of this, we have enlarged the fonts and adopted the principle of simplicity in design, explaining the fraud techniques commonly encountered by the elderly in recent years and ways to protect themselves. Anti-fraud notices and family contact information have been sent via email, so that the elderly and their families can pay attention to fraud cases and be careful in seeking evidence. |
SDGs
