Even some of the insurance account for a loss of more than half of the year

Phenomenon: some of the losses of more than 60 percent of the maximum rate of more than half of the surrender

Internal problems outside the storm, as by the end of October this year, the SSE Composite Index has fallen by 67%, to vote even though the overall relative risk resilience, however, a number of radical-linked insurance accounts for the price decline has been half or even more than half , Close to the market.

Pacific-Aetna Life's latest investment in unit price shows that on November 4, the index of selling price growth accounts only 0.3784 yuan, with the February 13 initial price of 1 yuan, 62.16 percent of the losses had been.

According to the insurance company announced in early November announcement price, even for its insurance accounts to sell substantially reduced price is far more than the Pacific-Aetna (see table).

Aimed at insuring high-yield, but it has to bear the loss of more than half, a huge psychological difference, even for risk has led to significant increase in surrender.

It is understood that in August this year to early October, Shandong, Tianjin and some other areas of the vote even dangerous surrender of complaints focus on customers, some of the insurance companies, investment and even dangerous surrender of the highest rates of more than 50%. And despite the Guangdong Baojian Ju said that Guangdong has not yet taken place even dangerous for large-scale surrender. However, in the first half of this year, Guangdong to vote even surrender the amount of risk has reached 538,000,000 yuan, up 182 percent.

Surrender: 10% of the highest costs

Analysts said the investment accounts have been damaged if the policy holders to choose surrender, is likely to bear the additional cost of surrender. Some surrender fees as high as the proportion of 10%.

It is understood that, despite the risk even for a small number of products do not surrender charges, but most of the product or take a certain number of years with gradually decreasing surrender charge mode, part of the draw and can be divided into surrender charge period of 2 years, 3 charges , 4-year period, as well as fees charged period of 5 years in four cases.

One wealth-friendly nations A, B, China and the United States will have a bright city money, and so on a number of investment-linked insurance products surrender fees charged the same as the proportion of 1 year up to 10%.

Account has shrunk dramatically, the surge in surrender, in 2003 the vote even dangerous storm seems to be a repeat of the signs. Insurance companies for the latest price risk even this year, a number of militant-linked insurance accounts for the price decline has been even more than half of the half, shrinking the worst decline in more than 60% of the account, close to the market.

Experts advise investors account prices, reduced investment income will not affect the policy of minimum liability insurance, but the early surrender would lead to the loss of protection, at present, investors choose not surrender conversion accounts, insurance policies in order to continue to play a security function.

Some insurance companies will be based on the characteristics of investment accounts set up 3-4 different types of investment accounts even vote. In accordance with its investment scope in general can not even vote in the investment account is divided into five categories. One stock-based accounts, stocks mixed-type accounts belonging to the radical-progressive-type accounts, bonds mixed-type accounts, debt-type accounts, money belonging to account-type sound, conservative-type accounts.

Experts: sound-account adjustment to stay to protect

Dividends and risk insurance and universal types of investment-insurance, insurance did not even vote at the end of insurance proceeds from the policy holders bear the investment risk, the greater the risk. However, industry experts said that even if account risk even for the price drop, the policy holders should not surrender easily.

"Even voted down the net value of unit investment risk, which may affect policy-holders to pay the amount available, but the reduction in investment income will not affect the policy of minimum liability insurance." There have suggested that the insurance policy holders to choose its surrender in advance, Not choose to adjust accounts. In a bad investment income, this policy can play a security function.

Specifically, the choice of radical or progressive type of policy-holders to account, if you want to control risk, could be considered part of the assets transferred to the account or sound conservative accounts, the investment manager, took the choice to do the work. Public information display, "currency", "hedge" and so on for even moderate-risk accounts, this year has been made is also part of the proceeds.

According to the insurance company announced in early November the price announcement, Prudential Life Insurance Debt Optimum-wide investment accounts, cash accounts and increased profits by investing the proceeds this year were up 8.31 percent and 2.56 percent, at peace wealth linked insurance (A section) hedge-Anyi This year, account for 1.72 percent yield, Jinsheng peace of mind insurance proceeds account for the same period also 1.29 percent.