23 insurance companies to quickly return the product or by sale

Involving 65 items, face "3 years shall not return" limit new express, according to the securities Journal reported, this year, quickly returned to the life insurance product sales. Reporters learned from relevant channels, China insurance regulatory Commission or will introduce policies limit the rapid return of such product, life insurance money paid for the first time or after the commencement of insurance policies shall not be earlier than 3 years. "The end of last year, China insurance regulatory Commission had sent the draft, later no audio. "A life insurance company staff told reporters. And a life insurance company executives expected "this summer there will be progress, but the sale will have a grace period may be allowed to end. "Recommended reading insurance weekly: protection listed 3.8 billion sold" China smell Department "assets town residents endowment insurance pilot a quarter Bank agent premium income decline 15% cast even insurance fell out of May average income-2.67% insurance professional intermediary high growth gradually into main channel Qian April foreign insurance enterprises share fell below 3% deciphered fuck disk password master main trends incomplete statistics, currently 24 home home in the funded life insurance company (except professional endowment insurance, and health insurance company outside) official website lists of products in the, 3 years within began returned of returned type insurance products total 65 paragraph. In addition to the new company into life outside, cover all domestic life insurance company. If the policy were introduced, or impact on the industry should not be overlooked. According to statistics, 24 company owned life insurance company in all products, began to return within 1 year and 12, live for the first time after the expiry of the insurance payment is the fastest hesitated. 6 types of products, is the most representative Guo Shoufu full life endowment to be issued this year, China life insurance (participating), in which a feature is "the cross and collar, high return", after the expiry of 10 days of hesitation to receive first care payments. Live gold for the first time paid for one year after the product is 34. Is left began returning after 2 years, a total of 19. The above statistics, we noted that the market share represents more than half of the three major life insurance company, quickly returning it is not a lot, instead insurance companies ' products have accounted for the majority. Why keen to fast return insurance risks and enterprise, a life insurance company actuarial said that most consumers of consumer psychology-related. "Everybody likes returning always felt that return not only losses. "Under the new rules on banks and insurance companies, insurance companies selling pressure more insurance companies to meet the consumer. But industry insiders said, wool from the sheep, returned to the survival of part of the gold is still the consumer pay premiums, fast backward, slow return to income actually makes little difference. And fast return will increase the operating costs of the insurance company, then consumption insurance products of original features and value. And fast return would increase the operating costs of insurance enterprises, thus more quickly returned to the products of the insurance function relatively less, the rate may be higher. The actuarial also said, fast return of the product is not good for the consumer. Speaking at least from the protection features, premium quick return, will affect the protection features of the product. "This is why regulatory concerns. ”