Even the value of insurance for low-lying land can become a long-term investment opportunity approach

A recent strong share in the policy driven by good stock rose close to 2000 points, but even cast helpless premium income continued to hit a new low.

Year-on-year negative growth in foreign life insurance

According to CIRC statistics show that in September, Chinese-funded life insurance premium income basic Piaohong the same period last year, but foreign life insurance companies there have been 9 year-on-year negative growth. Of these, more than half of the decline of Skandia Life and in the United Baokang.

Insurance experts Su Hao speech in an interview with reporters that foreign life insurance companies substantially year-on-year decrease was mainly due to these companies accounted for even the largest insurance business, and the Bank of security to narrow channel, making the ranks of the lack of direct foreign life insurance companies Predicament.

In fact, the entire risk net of insurance for even have a fairly good growth performance of the comparison beyond the fund outperform.

It is understood that since the beginning of the year to October 15, with a complete performance of the fund compared to the same style, Taikang account of the positive net growth in the 184 equity funds ranked second; steady growth in net accounts 32 Bond funds in the first place; account balance of the net growth in the 86 hybrid funds in the second; account from inception to October 15, a positive account of the net growth in the 166 equity funds in the first place B; steady growth in net accounts 31 bond funds in the first place; account balance of the net growth in the 86 hybrid funds in the fourth. In particular, highlighted the robust performance of the account, the account has been set up to October 15, 2008 the net growth rate of 21.46 percent, to the beginning of this year on October 15 of the net growth rate of 9.27 percent.

Why, then, gradually warmer in the stock market, the product is still not even vote down the track?

Taikang Asset Management investment manager, said Dr. Yan Zhiyong, despite the current capital market by the big countries have policies to promote warmer, but the market still takes time to restore full confidence, and even for warmer still lags behind the market.

Looking back, and even dangerous for both the start or come down, capital markets are behind beat one. In July of this year, the investment-driven business, life insurance premium revenue hit a new high-growth year-on-year over the past 10 years. At a time when the stock market has been in full decline, or more than half.

The proposed dual license posts

Compared to fund the purchase of the policy holders to vote even when the product, but also not easy to understand both the investment and protection of investment and even the contents of the policy.

Hao Su said that the speech should be taken to license two-induction system. Marketing staff to sell insurance policies will not only employees in the insurance business license, employees should have the securities business license. Should not prevent the sale of the products sold should not be bought, to mislead consumers.

China Insurance Regulatory Commission have rapid response, in August held a nationwide life insurance work conference, made it clear that the Bank of the extensive security operations will operate under the heavy, a series of measures taken, particularly in the information disclosure system to be improved.

It is reported that various insurance companies not only to increase sales and the overall level of quality and at the same time, the China Insurance Regulatory Commission in strict accordance with the requirements of the insured risk in the purchase of a new type of person to be autographed copy after signing.

Although the China Insurance Regulatory Commission has repeatedly stressed that insurance companies voted on in an open and transparent disclosure of related products, but a number of inquiries from reporters, insurance company's Web site, and some very difficult to find even for the report.

"Compared to the disclosure of the net value of the fund, and insurance products to be inferior to vote even more. Insurance companies may like the same fund or brokerage, according to the investment advice given to changes in the market," Su Hao his proposal.

Off the tide may be looking for gold

An insurance asset management company said, after a harsh baptism of reincarnation market, investors may choose admission, a long-term holders.

Information from the market revealed that in addition to the cast Taikang insurance products lead the market, Xinhua Life Insurance, and even the cast is also excellent product performance.

In October, Xinhua Life Insurance, and the creation of risk even for just about fell 4.95 percent, with all equity funds, equity funds that month the best advantage of selected exchange Tianfu (market, the net, let Fund) is down Is 8.66 percent. As of Nov. 15, not even account for the sale price has risen to 4.9 yuan, the purchase price in the past week rose to 5 yuan.

"At the end of 2007 the company's investment strategy at the meeting, we have the economic and market analysis at that time a lot of uncertainties in the increase in the face of high expectations and high valuation of the stock market, defined the prudent investment, the risk of stringent control over investment strategy. At the beginning of rain and snow disasters and CPI data at a high level of the trend, we continue to hold good long-term growth potential of stocks, on the one hand, strongly reduced the stock position, "said Yan Zhiyong.

Orient Securities researcher, said Wang Xiaogang, currently on the market in the insurance and other products not even vote for top performance. With time, some brands have a good performance even for products that will be highlighted.