The Impact of Population Structure Change in China on Life Insurance Demand and Corresponding Strategies

As an important factor affecting the demand for life insurance, population structure directly affects the supply-demand balance of the life insurance market. This article first introduced the development status of China's population structure and life insurance market. It then analyzed the impact of population structure changes on the total demand and structure of life insurance in China, such as aging, fewer children, small family size, increasing high-quality educated population and increasing urbanization rate. Finally, targeted countermeasures are proposed, including optimizing the alignment between population policies and life insurance demand, advocating for awareness of healthy retirement planning, and strengthening product innovation. Finally, targeted countermeasures were proposed, including strengthening guidance, support, and regulation, advocating for awareness of healthy retirement planning, and enhancing product innovation.The results are of great significance for improving people's risk awareness and pension planning ability, and promoting the innovation and development of life insurance products.