Life insurance dividends become mainstream products for even the risk by the impact of universal insurance
In the vote even with the universal risk insurance at the same time cold, dividend risk is gradually upgraded to the mainstream of life insurance products. May 26, Xinhua Insurance launched the “Double Happiness pension money counter (dividend-type)”; and not long ago, Heng Standard Life and Pacific Life have just launched the “Constant love life” and “well-off co-existence of family life insurance Jinyu (dividend-type). ”
According to incomplete statistics, up to 26 first half of this year, including Ping An Life, China and the United Kingdom Life, United Life Insurance, Reliance Life Insurance, in conjunction Dean, Life to life, such as China and Italy more than a dozen life insurance companies introduced dozens of shall protect such products. The industry is expected in the current era of low interest rates and capital market turmoil continued, the main function to protect the financial performance of both the risk of dividend will be decided in 2009 the key to the situation of insurance underwriting.
SANDOVAL insurance dividends
Recently, this reporter visited a number of insurance companies and commercial banks, sales outlets and found that the dividend be a insurance risk management flagship products on the market, and even cast insurance, universal insurance have been rare sightings.
“Our company is a silver this year, regardless of security channels or other channels, dividends products are much higher than the proportion of five into.” Xinhua Life Insurance, Senior Product Manager Su Wei Qiao told reporters. The relevant insurance company is responsible for the Great Wall also said that so far this year, the dividend premium insurance companies accounted for about half of the total premium.
Bank of Communications Beijing Branch of the Hall branch manager of the Xidan Li told reporters that the network of insurance products for even as early as the end of 2007 has been withdrew the tank, universal insurance in the individual dots are for sale, but more new products dividends are dangerous. “Universal insurance and insurance for even greater impact by the capital markets, and as a result of dividends and capital market risks linked to the smaller, the investment is the most stable type of insurance of a product; In addition, universal insurance would also like to pay around 5% in early only the cost, which in practice it can be used to reduce the principal. ”
China Minsheng Bank in the West Chang An Avenue Beijing branch, financial manager of Lee’s show 7 wing policies, of which 5 were insurance dividends. “Although the China Insurance Regulatory Commission in February this year, even the insurance provides for the sale of financial centers is limited to banks and financial counters, the counters do not include savings; But in fact, many banks do not even sell for financial counters even dangerous, and universal insurance as a result of the first half of this year clearing interest rate has been reduced, one is interested more and more rare in people. “wing, according to Lee, the selling of this year the branch is the largest insurance companies in dividends,” such as Taikang several insurance products in recent years, its dividend figure has been very impressive, is one of the most hot-selling products. “
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