The stock market remains in the doldrums, investment insurance accounts continue to shrink. Tianjin, Shandong and other places were not even play for the collective insurance surrender incident, which led to a number of policy holders blindly follow the trend, eager to return to vote even in the hands of insurance. In this regard, insurance experts say, the rate cut cycle in the stock market remains in the doldrums with the background, even for insurance earnings decline is inevitable, but blind surrender nor desirable, as policy holders will surrender sustained heavy losses.
Experts recommend that the policyholder can invest with a number of insurance investment account the characteristics of the funds into securities such as the relative stability of the current account to avoid investment risks.
Beijing voted even insurance market has been relatively quiet
In the third quarter of the China Insurance Regulatory Commission last Friday press conference, Yuan Li, Assistant President of the China Insurance Regulatory Commission, in the first three quarters of the National Life Insurance Company of the surrender rate of 2.98 percent, basically the normal range, with the same period last year.
Baojian Ju in Beijing on the monitoring results indicate that the majority of insurance companies, Beijing's insurance market is currently relatively calm, surrender now and the situation is not much change in the past.
At present, the Beijing market, about 17 companies selling insurance products even vote. Beijing correspondent to connect a number of insurance companies responsible for the marketing people asked about the surrender, to be the answer for many, "accepted the surrender are normal" and that there is no such as Tianjin, Shandong and other places of concentration of surrender tide.
Reporters from a company reported to the regulator's latest surrender in the statements that the situation week, to vote even though the risk of not more than surrender, but a larger proportion, about 90% of the total number of surrender.
Bank part of the network, "stop" even for risk
Jian Guanceng surrender momentum caused great concern. In late October, the China Insurance Regulatory Commission Chairman Wu Dingfu in the insurance market analysis of the situation at the meeting stressed the need to pay close attention to and focus on alert due to lack of insurance and consumer confidence may lead to misleading marketing of non-normal risk of surrender.
According to experts, even for risk investment account was sharply reduced, to become the main reason for surrender. Even voted in the risk of a number of accounts, equity funds accounted investment of more than 70 partial shares shrink the most serious type account. According to the World De investment consulting firm released for the third quarter, even risk analysis, investment and even dangerous side-share accounts has fallen by an average of 14.97 percent. An insurance analyst said that the capital market remains in the doldrums means that the majority of the vote even in the short term can not account for insurance Fan Hong, leading to even cast surrender the key risk factors still exist.
Reporters recently visited Beijing a few large banks Bancassurance sales, marketing, security personnel, according to the Bank, part of the bank branches have been "suspended" for sales of insurance and even universal insurance, sales agents need to re-examine the qualifications.
To follow the trend of more harm than surrender
Insurance experts for a company to even risk, for example, for the insured to pay installments and pay in the mid-stream in two ways to analyze the risk even for surrender of the cost of the loss:
The first: to pay 100,000 yuan in the mid-stream.
If the surrender will be deducted from the fee of 5% per month over the past 10 yuan deducted from the policy of management fees, net of insurance to protect the security risk premium. In addition, also in the investment accounts in the first year deduction of 10% for the second year of 8%, 6% for the third year, the fourth year of 4%, 2% for the fifth year in order of descending back Paul liquidated damages.
The second: The 10-year payment, to pay 10,000 yuan per year.
Different policy year, the initial fees account for varying the proportion of premiums that year, usually in the first policy year, the fee was accounted for the largest proportion of the premium, as much as 50% from the first 2-5 months each year deducted from the annual policy period To pay premium reduced from 25% to 10%, in addition, pay the same as wholesale and deducting a certain percentage of the investment accounts of the surrender penalty.
Insurance experts said that the investment accounts has shrunk to blindly surrender, will "fulfill the potential loss of a true loss."
De Shi pointed out that even in the third quarter for the risk of mixed-type debt, bond and currency-based accounts are an average of positive earnings. One mixed-debt-best performance in the same account receipts amounted to 2.05 percent, the bonds of similar type account the average income of 1.13 percent, to a maximum of 3.61 percent, currency-account receipts amounted to an average of 0.64 percent, the vote is still dangerous even better hedge工具.
A source pointed out that various insurance companies offer insurance for even 3 or more accounts, investments were focused on conservative style, sound, aggressive, and other types of policy holders under their own risk tolerance level of transfers between different accounts, without loss Under the premise of security, according to the development of capital markets to determine their own investment approach.
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