Facing the rapid return of life insurance shall not return within 3 years limit

23 insurance companies 65 products or being "sale" this year, quickly returned to the life insurance product sales. The securities journal insurance weekly reporter learned from the 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: increased warehouse investment over 30,000,000,004 months insurance funded deposits moved near billions of cast even insurance May then case Waterloo income differentiation country life cast even insurance success escape top 5 name foreign executives joined China peace Qian May Beijing insurance intermediary was penalty million history with shares mass insurance holding 20% Qiming: shocks city in the how mining Daniel unit according to securities daily under insurance weekly reporter does not full 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. Within 1 year: 12 according to the securities journal insurance weekly incomplete statistics, 24 company owned life insurance company in all products, 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. There are 4 is Taikang happy life a life annuity insurance (participating), double happiness gold with a silver spoon in a company pension insurance (participating), and old-age pension insurance of life (participating), the day following the end of the period by insurers to hesitate, annual insurance policies in force corresponding to our survival, received the first gold of life. Plus a rich universal pension insurance (participating) returning after a hesitation period to the basic insurance amount is X9%. Century gold ten years annuity insurance (participating) a life insurance benefit for the first time in the signature 11th day from the date of payment of an insurance policy, the survival of the rest of the contract of insurance in the policy anniversary from the date of payment for the 61st day. A little later a company a gilt Campbell of endowment insurance (participating, 2010 version) from the date of entry into force of this contract period of 90 days and have been hesitant to this contract, if the insured is still living, company paid life insurance benefit for the first time. With the gilt Jinbao endowment insurance (participating, 2010 version) as payment for the first time with the company on behalf of Tong Xin lock channel endowment insurance (participating) products and zhengderenshou are Metro Xin annuity insurance (participating). Jiahe cornucopia insurance financial planning and Jiahe Fuxing high as financial planning, payment for the first time was 100 days and the entry into force of the contract policy have hesitated at the time of payment. After 1 year: 34 live gold for the first time paid for one year after the product is 34. Including extreme royaum Xinhua life insurance annuity insurance (participating), paying the expiry date for the next policy to take effect. Item b Taikang of peace and prosperity of the Taikang life annuity insurance (participating), Tai Hong Jin mancang b pension insurance (participating), retirement pension plan, Taikang Xiangyun Wing Tai Tai Hong Fortune life annuity for life insurance, old-age pension plan, (participating) 5 products, in each year corresponding to the entry into force date of the year payment life insurance money. Fu shou co-existence of a b company (dividends), wealth investment and endowment, gold ten years 2008, Ying sheng endowment insurance d (participating), auspicious annuity insurance (participating) and grow wealth, wealth growth, second paragraph, first products began to return after one year. Tycoon endowment insurance of a c Corporation (participating) 3 product such as endowment insurance, wealth year starting from date of entry into force of the contract still survive each year of full 1 policy, paid life insurance. Will have endowment investment and productivity in a d company annuity insurance plan and extreme ridge pension insurance (participating) 2 one year policy anniversary date of the entry into force of the contract, if the insured person reaches the policy anniversary day each year still survive, by paying life annuity each year. Guohua Guo Huahua games year endowment insurance of life (participating) a year after year, guohua China resources endowment insurance (participating), section 2 product payment for each policy anniversary life insurance benefit. Great Wall Yu full life of the great wall gold annuity insurance, endowment insurance of life (participating) 2 of paying life insurance benefits the product since the first policy anniversary. Jiahe Jiahe dingsheng 28,882 full of life insurance (participating), Jiahe steady profits endowment insurance (participating) 2 survival gold payment for products from the 2nd year of the policy. Anbangrenshou able value growth of pension insurance, No. 999 (participating), section No. 999, able value growth annuity insurance (participating) b terms each year in the primary insurance policy anniversary date of the contract to the insured in accordance with the following pay life annuities. Also, livelihood life of livelihood rich adversity, co-existence insurance b paragraph (universal type), in the mail life of in the mail continuous life 2nd,, and Huaxia life of Huaxia cornucopia co-existence insurance (dividends type), and happiness life of happiness Cheung Lee co-existence insurance (dividends type), and letter Thai life of letter Thai love full spill co-existence insurance (dividends type), and British large life of British large gold Acer truncatum c paragraph co-existence insurance (dividends type), and zhengderenshou of Zhengde Dragon annuity insurance (dividends type) terms, and century life of century fufuyouyu annuity insurance (dividends type high-end version), 8 home company 8 paragraph products surrendered a policy annual day or second a policy annual began paid survival gold. After 2: 19 remaining after 2 years started returning, totaling 19 including a red Fupao endowment insurance of e company (dividends) and Hung Fu endowment insurance (participating) 2, such as the survival of the insured, since the effective date of the contract, payment for each year of insurance policies after 2 a life insurance benefit. Fully life happiness endowment insurance of a happy life (participating), happiness double happiness of adversity, endowment insurance (participating), happy, happy comfort Ridge health protection schemes Hong Fu Bao health security plan (b) 4 product was the primary insurance contract payment for second policy anniversary from the date of the entry into force. -English-British Yuansheng endowment insurance of life (participating), English King of Acer truncatumB endowment insurance (participating), English gold a endowment insurance of Acer truncatum Bunge (participating), 3 product is if the insured from the date of entry into force of this contract one out of every two still survive the insurance annual insurance policy anniversary, blessed company benefits insurance. Great Wall life of the great wall hung Campbell annuity insurance (participating), paragraph 2 the love of the great wall company annuity insurance product is from the second policy anniversary date, to a life insurance beneficiary pay "life insurance". Nobuyasu life's rich endowment insurance (participating) section, Nobuyasu hengrui endowment insurance (participating) every two years to get live Gold 2 products. Two outside also has peace life Jin Yu life co-existence insurance (dividends type), 60 aged Qian each two years received 10,000 yuan survival insurance; f company of good Lee year co-existence insurance (dividends type) was insurer Yu contract effect Hou to 70 years policy effect corresponds day during, in each full two annual of policy effect corresponds day survival, company by the policy effect corresponds day basic insurance amount and cumulative dividend insurance amount both of and of 10% paid survival insurance; livelihood rich China Jinsheng co-existence insurance (dividends type) 55 aged Qian, each two years received 2000 Yuan survival gold; prosperous times Pixiu financial plan (health version) since second a policy annual late up annual received with celebrate insurance amount of 15%, continuous led 8 years; guohua life of life care? baby plan since this contract effect day up, was insurer survival to each two years of policy annual day, in accordance with the basic insurance amount of 8% paid survival insurance; Jiahe aged aged Ruyi co-existence insurance (dividends type) was insurer 60 years Qian, we will each 2 years by basic insurance amount of 10% paid 1 times survival gold. : More than 3 years shall not be returned to the comprehensive statistical data, 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. As for why the insurance enterprises keen to fast return of insurance, 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. "" The end of last year, China insurance regulatory Commission had sent the draft, later no audio. "A life insurance company staff told reporters, has been handed down in the trade insurance 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. And a life insurance company executives told reporters: "or to introduce this summer, but the sale will have a grace period may be relaxed to the end. ”