Insurance companies, "Ziwochuishi" may be subject to heavy penalties

Even for insurance, universal insurance, risk sharing, and other investment products, life insurance information disclosure will face more stringent norms, insurance companies, "Ziwochuixu" and "simple comparison" is likely to be subject to heavy penalties. Yesterday, the China Insurance Regulatory Commission announced a "life insurance products, new management information (the draft)" (hereinafter referred to as the "Rules"), and even voted for the insurance, universal insurance, insurance dividend yield of the three types of insurance information, security features Tips, visit the system further so clear.

Insurance investment income clearly marked

To take out insurance to cover tips to sign the book. According to the draft requirements in the future insurance sales of new life insurance products, the contract must be signed before the insurance policy holders to provide the terms, product manuals and books prompted insurance. Single-insured customers will be designed to confirm the signature column column and require the insured personally signed copy later. "Ziwochuixu" and "simple comparison" and other insurance products, promotional skills will be strictly regulate. Product specification should be used in high, medium and low third gear to customers demonstrate the new life insurance products in the future payment of interest. For the interests of the presentation of dividends insurance, investment linked insurance assets corresponds to the mid-rate of return on investment or universal insurance settlement rates should be mid-range products and pricing assumptions in line, and the industry must not exceed the maximum limit. For dividend security, high, medium and low ceiling of 6%, 5%, 4%; for universal insurance, high, medium and low ceiling of 6% and 4.5% minimum guaranteed interest rate; linked to insurance, high , The low ceiling of 7%, 5%, 3%.

Enforcement system must pay a return visit

Investment in life insurance sales, the industry will be the introduction of a mandatory system for a return visit. According to the draft, insurance companies should buy life insurance customers to implement new products 100% return. The customer refused to pay a return visit should be in single coverage on hand to write and sign. Return to the way phone-based pay a return visit, but also through letters, e-mail or door-to-door manner, and so on. To be hesitant to pay a return visit in the medium term, and do a good job in records for future reference. The phone's return visit, should call on the contents of the recording and preservation of at least five years.

Even voted against the insurance, universal insurance, risk sharing, the China Insurance Regulatory Commission also have some practical significance of the details were more detailed. The emphasis on the draft, because vote even insurance, universal insurance because investors often pay to protect the interests of the loss of the problem, in any case, if before the expiry of the policy's cash value is insufficient to cover current expenses and security costs, insurance The company should be notified in advance of policy holders, in particular, it should be stated in this case, security will be the end of the advance, and maintain the insurance policies remain in force. In the insurance dividends, insurance companies have to say that the product is a source of dividends to die poor, the cost difference, or spread to other sources, but also shows that the product distribution of dividends is cash dividends or dividend increase, whether the end of a dividend.