According to recent media reports, in Tianjin, Shandong and other places there have been dangerous even for insured events of surrender, and some insurance companies even for surrender risk rate of more than 50%. Insurance sector risk even for an emergency brake on sales.
Reporters on October 21 interview with Chen Cheng has more than insurance, even for the current insurance customers did not surrender a large area, but the market is far from the same period last year as hot.
Bank of risk even for "off the shelf"
With the cooling of the stock market, investment funds and even insurance products, net worth has shrunk severely, as of yesterday, from bank tellers, all under the plane.
Chen Cheng-life of a finance company manager told reporters that in 2007, life insurance companies even risk the rapid business expansion, but as the global financial crisis intensified, even the insurance account for the net loss is also a great potential risk gradually. Insurance sector has been cast on even the insurance business to control the scale of development. Now there has been no large-scale customers for surrender even dangerous products, even voted for the insurance company now is not propaganda, not to promote the basic operations of the suspension.
LEE another insurance company also told reporters that even the risk for both protection and investment features, usually with a bond, equity, hybrid and other investment accounts, with the market to bear, even for the rapid decline of the insurance business, the current Only cast even in the bond insurance accounts also maintain good profits since the September increased by 10%. At the beginning of this year, many customers took into account the stock-bond-based accounts, not only survived the stock market, but gains are realized.
Bank of alternative products coming out
21, reporters visited a number of bank outlets, found that a number of alternative financial products, insurance companies no longer sell the vote even dangerous, but dividend-pushing insurance products. These products are expected to yield very high, but there are many uncertainties.
Of these insurance products in a single propaganda on the words "proceeds of 8.68 percent in mid 2007, the 3-year annualized yield 6.19%, 5-year 7.78 percent in income, dividend income plus twice the protection of the accident." Another insurance company's insurance Products with the words "fixed interest + dividends, annual interest rate of 1.64%, expected dividend of 5% -8%." There's an insurance leaflets read "Each year 50,000 yuan deposit, a fixed annual interest rate cumulative bonus + 2550 yuan . 5-year premiums, the 10-year guarantee. "
Bank finance manager told reporters that both of these insurance products, insurance and investment features, suitable for long-term investors. Early redemption of short-term there is the risk of loss of principal. In addition, many of the products is expected to yield only a simple calculation, does not mean that the final earnings, investors should carefully read the contract re-insurance, so as not to enter the misunderstanding.
OCI consultation for even the insurance sector
Even for insurance is a type of insurance investment insurance, investment and protection of premium into two parts, the main benefit from the investment income account, the risk borne by the customers themselves. Cast even risk from the beginning of the birth of the controversial, as some of the accounts of the investment market and similar funds, was also known as the "fund of funds." There are a number of agents selling insurance to vote even when only one-sided emphasis on the high rate of return, but few prompt product risks, a lot of misleading consumers.
Liaoning Province, insurance-related trade associations said that 21 provinces, municipalities and the OCI joint security meeting and examine the silver overheating problems, which involve risk even for sale. For a number of issues also visited a number of insurance companies, there is no halt to vote even insurance sales, but sales of more stringent regulation. Possible future introduction of a number of measures to regulate the sale of insurance even voted to crack down on misleading sales.
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