Investment and even insurance fell out May average earnings

Trainee Guo Jitong faced high inflation and stock market downturn, investment insurance products attractiveness declined significantly. According to Warburg securities statistics, May cast even risk the account investment income than in April marked decline, only 44 statistical 176 accounts achieved positive returns, average monthly income is-2.67%. At the same time, most life insurance companies May of universal life insurance settlement rates are to be released today at around 4%, far less than the current consumer price index (CPI) level and 5-year time deposit rates (5.25%). 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 in recent years domestic interest rate changes type and investment type insurance products (dividends insurance, and universal insurance, and cast even insurance) accounted for total premium of proportion up to 80% around. Since 2006, the domestic life insurance premium rates and real interest rates rendered obvious negative relationship. "In the case of lower real interest rates, insurance companies by virtue of long period smoothing income, more attractive than the savings deposit; on the contrary, in the real interest rate at a high level, especially in case of negative interest rates, insurance company is difficult to absorb insurance premium. "Shao Ziqin, guosen securities insurance industry analyst said. Data display, ping (601,318, unit), China life insurance and China Turbo (601,601, unit) in April 35% more than occurs with premium income fell, and decreases substantially increased compared with last year. Contrast with this is that since the beginning of this year and significant increase in the real estate trust issuing bank financial products, annualised yields of up to 4%~5% of the former, the latter annualised yields of up to 12%~15%. "Primary function is to protect insurance products, but if the insured person at the same time value function of its savings and investment, investment appeal of insurance products in the current environment is very low. "Domestic life insurance agent pointed out that an insurance company, whether it is a bonus insurance universal life insurance, are difficult to beat the current interest rates.