Universal insurance rates an average of below 5%, or a further decline in market outlook

Various insurance companies in October released the latest data show that universal insurance billing rates average about 4.36 percent. The analysts predicted that universal insurance settlement may also be a further decline in interest rates.

According to public information in the statistics of the 51 products, about half of the universal insurance settlement rate was down, not a product of clearing up interest rates appear. Including the Xinhua Life Insurance, Life Life, the Sino-British Life, Ping An, about 10 insurance companies, for a total of about 22's universal insurance products, interest rates had settled down. Among them, particularly in the life of the people's livelihood, "rich people's livelihood profit insurance co-existence door section A, paragraph B" cut the maximum rate from August's 5% to 4.5%.

Down from the Almighty after the settlement of interest rate risk, the risk of universal comprehensive settlement rate has dropped to 6% below the minimum detection to 2.5 percent. In the lower rate of 22 omnipotent risk, only about three percent of the universal insurance products, clearing the difficult interest rate of 5%. Clearing the highest rates of personal safety products are universal insurance, clearing the current interest rate of 5.5%. Settlement rates are the lowest in the Luen Thai city, "the classic wealth insurance co-existence (C section)" and the Pacific (601,099, it shares) Aetna "The arrival of the other insurance (universal type)", two universal insurance settlement rate Were 2.5 percent.

It is noteworthy that, at the beginning of 22 omnipotent insurance rates have settled down at the same time, there are about 29 products on hold, has not lowered interest rates universal insurance settlement. Analysts believe that these insurance companies to lower billing rates was not the main reason lies in the fact that the settlement had been at the level of interest rates after some adjust mainly falls 4-2 percent range, interest rates are relatively reasonable settlement. But analysts also pointed out that regardless of whether or not this month, clearing cut interest rates in the market remain unchanged, "the situation may be worse in the future, investment income will decline dragged down universal insurance settlement for further interest rate cut."

The source believes that if the next two years Ruoshi pattern of the capital market is still difficult to change, coupled with the rate cut cycle, universal insurance settlement rate fell to 4.5 percent below also is not impossible. Insurance companies this year as a result of a sharp decline in investment income, insurance tension tends to smooth reserve, universal insurance settlement rate of the decrease in interest rates may be even greater, the company will further expand.