In recent times, with the capital markets fell sharply, as insurance companies voted Investment Pioneer even dangerous products account net has been down, and ignited the Shandong, Tianjin and other places a number of policy holders large collective surrender. Reporters from the major capital insurance companies that, in order to prevent the emergence of a collective surrender to China Life Insurance (601,628, it shares), led by insurance companies has cast even risk insurance from the Bank of channels under the plane.
Even for risk capital from the Bank of channels under the plane
"We are currently in Beijing, major banks selling insurance products only dividend risk, even for universal insurance and insurance is no longer Bancassurance sales channels." China Life shares in the Bank's head of security-related channels, told reporters. Mother of life care in the conduct of other insurers have also been reflected in, reporters from Xinhua Life Insurance, and understand that the company's sales channels in the Bank of security products is also limited to the dividend risk, "even for insurance, universal Xianyao until next year to start selling" . Reporters from China Construction Bank (601,939, it shares) a number of business outlets found in the sale of Xinhua Life Insurance, and only two-dividend, were a lot of double happiness Fu Lee lot of double happiness and the other risk-sharing.
Bank security control channels for insurance sales sufficient to show that even the insurance companies cautious, because this year, the Bank of security has become a channel for the insurance premium growth driving force. In the first half of this year, the bank insurance industry has accounted for life insurance premium income of more than half, while the Bank of security is too large proportion, there are many hidden dangers.
In August this year, the National Work Conference on Life Insurance, China Insurance Regulatory Commission assistant to the chairman of Chen said that the bank insurance regulators will start as soon as possible to control the growth rate of life insurance business. As a result, the China Insurance Regulatory Commission put forward a clear channel for banks to lower the premium growth, lower interest rates and dividend rates universal insurance settlement to the long-term sustainable level, stringent control over non-payment of fees, and other specific requirements.
"At present, the regulatory authorities for the Bank of security products is quite strict supervision." Bank of China (601,988, it shares) A staff member told reporters. Banks and Insurance Companies in the rapid growth of Taikang Life also said the Bank will gradually reduce the growth rate security, the Secretary of the Board of Directors Chun Qiu Xi said.
"Bancassurance growth down the most direct means is to reduce the investment of insurance sales," This is not just limited to China Life Insurance, Xinhua Life Insurance, Sun Life Everbright Bank is currently in the security channel, is also pushing insurance dividends, the last month Banks and Insurance companies also launched a channel surplus dividend payment security products. But even in domestic sales for the insurance company Skandia life insurance product lines will be transferred to less risky investment risk everything, even for its insurance sales basically at a standstill.
But the reporter from the China Life Insurance 95,519 customer service hotline that, although the Bank of security from the channel can not be insured for the purchase of products, but China Life to buy other channels or even for universal insurance, and insurance.
Beijing is no large-scale surrender to vote even basic insurance sales stagnation
Some time ago, Tianjin, Shandong and other places hit by insurance companies for even the risk of collective surrender. According to information previously disclosed, in August this year to early October, the province of local regulators had received a total of 273 complaints, of which only 233 there in September, customers require a full refund of the premium. Even voted against the risk of exposing risks, specifically the China Insurance Regulatory Commission issued a notice to strengthen risk even for sales management, and crack down on misleading sales and has adopted a series of measures, such as technical standards, introduction of specific investment insurance link Actuarial requirements; requiring the company to strengthen product management and strengthen information disclosure; at the same time to strengthen consumer tips, and other risks.
Correspondent in Beijing interviewed a number of insurance companies found that the Beijing area was not the case, however, some insurance companies even for a day of dangerous surrender of calls in the past more than 3 times. Skandia Life Insurance told reporters that the persons concerned, in fact it was a year of the insurance will surrender, surrender of this year, all in the normal rate of surrender of control. Sun Life Everbright Life Insurance Beijing branch, told reporters that the recent case is only advisory surrender of an increase in calls. As by the end of September, the Beijing market, a total of 17 companies selling insurance products even vote. However, reporters from regulatory authorities to surrender to the accuracy of the data. Beijing's Baojian Ju said that some insurance companies surrender rate of normal levels.
Insurance sales in the capital due to vote even when the risk is relatively cautious, Beijing has been no large-scale surrender. However, even for basic insurance sales stagnated. "We have a few months since the vote even basic insurance is a state moratorium on the sale of the stock market down, not long ago consumers to buy insurance even vote." Reporter from the sale of the capital for several insurance companies not even informed of the risk.
Last year, relying on insurance premiums for even the size of the sharp rise in the number of foreign insurance companies also fell significantly. According to the China Insurance Regulatory Commission on October 24 announced the first premium income in September, Skandia Life, for example, Skandia Life Insurance premium income from foreign insurance companies in the last year, ranked eighth, fell to the latest ranking of 17. As by the end of September 2008, Skandia Life Insurance premium income of 3.08 billion yuan in August increased only 18,560,000 yuan.
Relatively conservative domestic insurance companies in this cast even survived the turmoil. For example, to set up more than three years of the Great Wall Life has followed a policy of "the essence of insurance is to protect," even voted last year to sell big risk, in order to guard against risks, has never voted to launch even dangerous. Less than a year has been set up for sale did not even risk the well-being of Life Beijing Branch, deputy general manager of new corporate clients in the first section, told reporters as the new company, while scale to be done quickly, but also to the stability-oriented. Next, the well-being will also be pushing for more life-insurance protection, rather than investment-type insurance. In addition, the domestic insurance giants such as the Pacific (601,099, it shares) insurance has not even voted to launch insurance.
Surrender as conversion revenue account balance
According to the WHO issued by the bay for the third quarter report showed that even the risk, the Shanghai index from June 30, 2008 fell to 2736.1 in September 26, 2008 of 2293.78, down 16.17 percent. Shanghai and Shenzhen 300 Index over the same period a decrease of 19.63% (beginning 2791.82, 2243.66 at the end). Based on the investment risk for even the direction of financial markets in the face of various types of fund products, and products directly to the fund to invest in capital markets and money markets. In the third quarter of the capital market continues to trend down in the first half of the fund performance products, insurance products, even for the same escape. At present situation, even risk insurance for the consumer how to deal with? China Insurance Regulatory Commission said that the investors do not recommend blind surrender.
Sales to vote even started Skandia Life insurance vice president and chief actuary Ning Sen said: "accustomed to the surging stock market in 2007, in 2008 some of our customers for the sudden decline of the market is confused and even disappointed. However, Skandia through long-term investment income customers continue to be substantial. "Ended by the end of September 2008, Skandia's investment account growth since the establishment of the account net increase of 127 percent, better than the base of comparison. In the meantime, a number of Skandia customers to transfer their assets to less risky investment accounts, to avoid the loss of a major investment in the stock market, which is not even vote in Skandia insurance product advantage. Ning Sen said that the number of customer accounts in the transfer of assets between the process of buying low to sell high, the timing operation, which is clearly a departure from the concept of investment value, an increase of investment risk.
The sale has not been cast even dangerous in the air that Samsung Life Insurance, in the current market environment, customers have insurance, whether for insurance or even universal insurance, are not easily surrender to avoid surrender with To the loss. If the surrender, according to insurance experts calculated that 100,000 yuan to cover the risk even for example, must be deducted the first year of the 3% service charge, that is, 3,000; from 97,000 in the remaining after deducting the 2% of the sale price And the rest of the money is invested into the account. If the surrender 1-3 years, according to accounts at the time deducted from the value of 1% of the balance after fees back to investors. If more than 3 years, 1% do not have to deduct the fees, according to the account value at the time of surrender. At present, the market revenue in the doldrums, many companies even risk the value of the account is negative growth, the choice this time of the surrender of investment will certainly be lost, you can consider a change to balance the revenue account.
Investment Tips
Need to consider buying insurance protection features
At present situation, the need to purchase insurance as an investment in the consumer how to choose? Samsung Air China Life Insurance Bank and Insurance Manager Xuan Tao of the view that paragraph at this time to take out insurance to a better understanding of the characteristics of the different insurance products, its needs and financial situation, have considered three factors in choosing suitable products.
At present, domestic insurance companies selling insurance products can be divided into non-dividend-protection products, risk sharing, risk everything to vote, and even dangerous. Non-dividend-protection products, not including dividends function of health, illness and accident insurance products to protect categories, a comprehensive security features, you can basically meet the insurance needs of most customers. Dividend risk resilience and risk omnipotent ability, which can provide customers with the most basic income guarantee for the current financial climate is not favorable option.
Xuan Tao of the view that everything is precisely because of the risk insurance and profit-sharing to ensure a certain degree of income, the insurance companies in the operation of the general investment strategy will be relatively conservative, universal insurance proceeds in the stock market's bull phase as the stock investment fund, but Dividends and insurance, universal insurance is also relatively stable earnings and safe.
Xuan Tao suggested that insurance products to protect its unique features, consumers should first of all with security features to improve the family's financial security level. On this basis, to consider re-insurance products through a number of savings and investment features, together with other financial products and improve their family financial planning.
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