是指一种可由客户自行支付保险费并调整死亡保险金给付金额的人生寿险 上海大学就业网

Universal interest rate liberalization scale soared 183% life insurance industry into third – Sohu financial universal insurance premium change has been full year, the scale rapidly soared 183%. The so-called universal insurance, refers to a kind of insurance premiums paid by the customers themselves and adjust the death insurance payment amount of life insurance, the investment account value of the assets accounting, adjust the proportion of investment insurance and universal insurance, can make the limited funds to play the biggest role. Because of its insurance guarantee and investment value-added work, the related company stock has taken the potential energy, universal insurance has become a common way of financial management in ordinary families. Today, universal insurance has become a lot of insurance enterprises bigger and stronger, "the only proper course to take" questioning voice followed. Universal insurance soared 183% in February 2015, the China Insurance Regulatory Commission issued "on the relevant matters of universal personal insurance rate reform policy notice", the full implementation of universal insurance rate reform, cancel the universal insurance minimum guaranteed interest rate shall not exceed 2.5% of the limit, will transfer pricing in insurance firms. Specifically, the policy is mainly embodied in "three drop two", which enhance the assessment rates, fully liberalized interest rate guarantees, evaluation of the interest rate cap increased from 2.5% to 3.5%; enhance the security function, universal insurance requirements for the death of the insured amount increased from 5% to 20%; promotion of universal insurance premium basic limit increased from 6000 yuan to 10 thousand yuan. At the same time, reduce the initial cost and surrender charges rate, payment and payment after the initial costs were 10% and 5%, this is reduced to 5% and 3%, surrender charges rate from 0 down to 0 – 5% – 10%. With the settlement interest rate rise, insurance companies have raised the minimum insurance interest rate of universal insurance products, making this figure generally increased to 3% – 3.5%; accordingly, universal insurance sales also ushered in "blowout"". According to CIRC latest data show that as of January 2016, the industry premium income of 637 billion 673 million yuan, an increase of 59.20%; new pay policyholders’ investment funds this figure soared to 204 billion 140 million yuan, an increase of 183%, which is part of the premium comes mainly from universal insurance products. Insurance enterprises scale expansion "weapon" "this is mainly caused by two factors, one is universal insurance premium rate reform, to give insurance companies greater pricing space; and in the interest rate down, the bottom type of financial products are more likely to be welcomed by customers." Insiders explain the popularity of universal insurance. In the view of these people, because the abolition of universal insurance minimum guaranteed interest rate shall not exceed 2.5% of the limit, insurance companies face the market competition naturally increase its minimum guaranteed income, and ultimately increase investor returns, universal insurance compared to similar financial products competitiveness naturally rising. What is more important is that in 2015 coincided with the domestic interest rate into the downstream channel, in this year, the central bank several rounds of "double down", originally occupied the bulk of the personal investment products, financial products revenue fell, the yields have fallen below 5%, the Internet baby products also fell below 3%. Compared with this, the minimum guarantee income is about 3%, and the advantages of universal insurance with security function are further highlighted. Many insurance companies seize.

万能险利率放开规模飙升183% 生命人寿成行业第三-搜狐理财   万能险费改至今已满一年,规模迅速飙升183%。  所谓万能险,是指一种可由客户自行支付保险费并调整死亡保险金给付金额的人生寿险,通过对投资账户中的资产价值进行核算、调整保障与投资的比例,万能险可以让有限的资金发挥最大的作用。因其兼具保险保障和投资增值功 相关公司股票走势 能,万能险已成为普通家庭常见的一种理财方式。  如今,万能险已经成为不少险企做大做强的“不二法门”,质疑之声也随之而来。  万能险规模飙升183%  2015年2月,保监会发布《关于万能型人身保险费率政策改革有关事项的通知》,万能险费率改革全面实施,取消了万能险最低保证利率不得超过2.5%的限制,将定价权让渡于险企。  具体来看,政策主要体现为“提三降二”,即提升评估利率,完全放开保证利率,评估利率上限从2.5%提升至3.5%;提升保障功能,万能险死亡保额要求从5%提升至20%;提升万能险基本保费上限,从6000元提升至1万元。  同时,降低初始费用和退保费用率,此前期缴和趸缴初始费用分别为10%和5%,此次降低为5%和3%,退保费用率从0―10%降低至0―5%。  伴随结算利率的上涨,险企们纷纷上调旗下万能险产品最低保底利率,使得这一数字普遍提升至3%―3.5%;相应地,万能险销售也迎来“井喷”。  据保监会最新数据显示,截至2016年1月,行业原保险保费收入6376.73亿元,同比增长59.20%;保户投资款新增交费这一数据飙升至2041.4亿元,同比增长183%,而这部分保费主要来源于万能险产品。  险企规模扩张“利器”  “这主要有两方面因素造成,一是万能险费率改革,给予险企更大的定价空间;而在利率下行中,保底型的理财产品更容易受客户欢迎。”业内人士这样解释万能险的火爆。  在上述人士看来,因为取消了万能险最低保证利率不得超过2.5%的限制,险企面对市场竞争自然调高其最低保底收益,最终投资者收益提高,万能险对比同类理财产品竞争力自然上升。  而更为重要的是,2015年恰逢国内利率进入下行通道,在这一年中,央行多轮“双降”,原来占据个人投资产品大头的银行理财产品收益普遍下滑,其收益率水平纷纷跌至5%以下,互联网“宝宝”类产品更是一度跌破3%。  与此相比,保底收益为3%左右、同时兼具保障功能的万能险的优势进一步凸显。不少险企抓住这一市场需求,借助这一波“东风”实现了跨越式发展。  正如此前的举牌“大户”生命人寿和华夏人寿,其2015年度原保费收入分别为790亿元与29.7亿,投资款新增交费(主要为万能险)分别高达859.3亿元和487亿元,总计规模保费已远超诸如太平洋保险、新华保险等险企,跃升至行业第三、第四名。  依靠销售万能险实现规模的急速扩张,一大波新兴保险公司大有进军行业“第一梯队”之势。  监管提示风险  然而对于实行“负债――资产”匹配标准的险企而言,保费规模做大后第一要务则是实现投资增值,以此保证保费的满期兑付。  为加大投资收益,不少险企选择了举牌上市公司,在2015年阶段性上扬的股市中,以股价上涨盈利填补万能险高收益引起的利差。在此过程中,强势的举牌险企和上市公司管理层发生冲突在所难免。  正如此前“宝能收购万科大战”时,万科集团董事长王石曾一度质疑前海人寿销售的万能险产品是否合法合规,由此引发市场对险企举牌资金来源正当性和风险性的质疑。  对比险企官网数据,2015年上半年险企万能险结算利率大多处于4%―6%之间,个别产品超过5.5%的水平,与同期银行理财产品基本持平。  自利率下行至今,不少万能险产品收益率不仅没有变化,竟然不减反增。  以生命人寿为例,自2015下半年起,股市由牛转熊、央行利率单边下行,其万能险产品最低结算利率竟一路飙升,某款产品11月份的结算利率更是达到7.99%,其余产品普遍高于7%;而前海人寿也是同样情况,最高结算利率攀升至7.45%,其他产品也均不低于6%。  与实际环境“背道而驰”的投资作风也使得市场质疑:依靠规模堆积、“拆东墙补西墙”,能否实现万能险的长久“繁荣”?进一步而言,如果遇到股市暴跌抑或金融危机,举牌大户们的流动性风险能否得到控制?  而就在去年12月,保监会相继下发《关于进一步规范高现金价值产品有关事项的通知》以及《关于加强保险公司资产配置审慎性监管有关事项的通知》,对险企发行高现金价值产品做出严格要求,并要求那些热衷于成本收益错配险企进行现金压力测试,严控现金流风险。  不难猜想,经历一年的黄金期后,万能险市场或将迎来一场调整。相关的主题文章: