Even for insurance, universal life insurance, dividend-life insurance is the most common of the three types of investment-type insurance. The three were the role of the market, even for risk insurance is the vanguard of investment products, insurance panacea to the sound that, while the dividend is at risk embarrassment, the less powerful, even cast as Wu.
A universal risk status vote in even lower risk and lower along with silver in the channel under the framework of security, and universal insurance. According to statistics, 7,8,9,10 this 4 months, a number of universal life insurance company settlement for lower interest rates. Ping An's life insurance settlement universal bank interest rates down to 6.00 percent from 5.25 percent, Taibao life down to 5.21 percent from 4.51 percent, the Sino-British life down to 5.70% from 4.80% ... ...
Overall, the market clearing interest rate risk everything has fallen from 4.5% -5.5%. It is reported that the regulatory authorities for the enforcement policy. In the first half of this year, investment products accounted for life insurance premium revenue was 79% at the end of last year, up 9 percentage points. If dividends out of traditional insurance products, in the first half of this year, risk everything to vote, and even dangerous products together accounted for close to 30% higher than last year at the end of the 25% growth by 5 percentage points. China Insurance Regulatory Commission believes that the scale of insurance premiums in order to promote risk management products, a departure from the essence of insurance. Such a high proportion of investment products, insurance companies will push the capital market, once the investment losses, insurance companies have declined solvency, cash flow and the risk of a range of issues such as surrender. From the first half of this year, the company's life insurance solvency adequacy ratio universality of the decline in the second quarter have been the end of the life insurance company solvency 6, the shortfalls, at the end of the first quarter also increased by 3. At the same time, January to July this year, life insurance surrender of gold has reached 57,890,000,000 yuan, an increase of 19%.
Insiders said that although domestic investment market down rapids, but universal life insurance likely in the "vacuum", the universal risk to keep pushing higher yield, now, under the command of the regulatory authorities, together universal insurance earnings down . It is clear that universal insurance proceeds of the floating space is available from insurance companies, insurance companies that is likely to use the insurance proceeds lever to influence consumers to buy state of mind. Also cut to a certain Li Chasun insurance, universal insurance settlement rate decreased, leading to a number of unprofitable branches of the bank-based financial management universal moratorium on the sale of insurance has begun. Starting in September, one after another life insurance company will be universal from the bank Chegui network.
Reporters at the post office agent point that some clients come to consult universal insurance income is dropping, just bought less than three months universal insurance, income accounts has dropped 1 percentage point. A middle-aged customers that if the insurance proceeds are becoming less and less, than the bank deposit on a regular basis.
Insurance companies pushed dividend risk
Universal life insurance is the touchstone of the year's Olympics.
But even the risk associated with investment accounts continue to decline in the net, a large area of collective surrender to the incident also cast a shadow over link risk, together with the regulatory norms aimed at Bancassurance sales channels and risk everything to vote even at the risk Silver Security channels under the plane.
New Year to the twinkling of an eye that is, life is about to usher in the company's business challenges in 2009, the Life Insurance Marketing, which a card? Right now, in 2009 only a stepping stone of the dividend risk.
September, the vast majority of life insurance companies struggling with universal insurance market, the Shanghai life insurance premium income ratio is still an increase of 3 billion yuan, of which, life and Taibao the two countries on the increase as high as 2.4 billion dividend is dangerous The two life insurance premium growth. Taibao universal life insurance to give up their positions soon after the occupation of dividends insurance market, the dividends on insurance contribution of close to 90%, completed the Return of the Jedi.
In October, Standard Life Heng, International Assurance Company, and other companies have introduced a new type of insurance product Dividend. In recent days, China Life Insurance [20.69 2.22%] Pacific [15.45 -5.21%] Life, Taiping Life, and so on have also introduced a new insurance product Dividend, the main idea is to have more financial management functions. The need to remind investors that the introduction of these products in the Chinese language, will be "robust" and "long-term investment" as an important selling point stressed by dividends from such a dangerous little risk of loss of the product to reach a long-term stable income The purpose of financial management, to achieve personal assets against inflation, value-added.
When the two main types of insurance sluggish investment, insurance dividends once again become a favorite of insurance companies. Reporters learned that many insurance companies from product sales strategy has been adjusted, the risk of the new dividend policy or to open up the insurance rate will be to seize market share in the important bargaining chip. A senior director of marketing, such as life insurance, "from the channels, the Bank of security operations in a certain proportion continue to play an important framework of the 'gold package' role; insurance from the point of view, pay-period, dividend-based products will be Business center of gravity. "
We had to sigh in the insurance companies pushing a product of a time spent thinking, how can investors on whether or not such a clear understanding of the rules of the game in the chest? Otherwise, it will be inevitable, "Hu You."
Let's take a look at the dividend risk is really risk-free, if people in the industry believe that the traditional focus on protection insurance, interest rate adjustments do not affect the traditional life insurance, the interest rate on dividends down the impact of risk will be relatively large. The general view that the market has entered a cycle of rate cuts, dividend-based products is not without risks. Guoxin Securities in its report also pointed out that since 2008 insurance dividend is not satisfactory return on investment is expected in 2009 will not be a very high level of dividends, unless the insurance companies for the use of dividend risk reserves in particular.
Economic and Trade University in the capital insurance professor Tuo Guozhu, told reporters that the dividend at this time highlights the risk, just as the capital market shocks of the round. Vote in 2003 even after the outbreak of the dangerous wave of surrender, the risk is also waiting dividends jumped out to sound at the end of the income security, has attracted the attention of policy holders, voted to replace the ring even dangerous. But after a few years, the dividends are not satisfactory performance of the insurance policy holders not only get the little bonus, after the expiration of the contract, and few people renewal, but once again he moved to the recovery of the vote even dangerous.
Financial status of security and the future
It is reported that the current fiscal-developed countries in Europe and America account for a higher proportion of insurance business, such as the United States accounted for 50% of the life insurance market, the United Kingdom account for nearly 60%, while China only about 30 percent, also more room for development. However, financial-risk insurance also is not suitable for everyone to buy.
In the face of changes in the insurance market, that Taibao, will be the next priority to the development of old-age insurance and re-disease risk, such as strong protection. The insurance industry will eventually return to the main security industry.
In fact, as a kind of life insurance, insurance dividends of the safeguards of the first. Although it is compound interest to accumulate in the form of dividends, can effectively resist the impact of inflation, but to protect its security features than the type of insurance is slightly inferior.
Insiders said that the outbreak of the bull market, such as insurance funds into the stock market like a tide, the success of the insurance industry over the past year's achievements. The surge in investment income stimulated the insurance industry to the financial products close to investment-type insurance and stock, together with funds selling. In order to seize more market share, improve the billing rates, competition Bancassurance channel, the insurance industry there is a non-benign competition. With the cooling of the capital markets, investment and even started to account for risk has shrunk dramatically, the decline in investment income is also no longer be able to support high rates of settlement, the insurance market instability began to emerge. Surrender, premium income volatility that may arise, lack of solvency of the insurance industry are challenged.
Hao pointed out that the Soviet Union speech, with a conservative insurance funds, insurance products, the main function is to provide security risks. Over the past period of time, the insurance industry has deviated from its own development direction of the profits in the business model on the contractor ignored and only look for investment income. In the face of the current insurance industry, the insurance industry should be adjusted in a timely manner and return to the conservative and security. China Life said that the essence of insurance is risk management, in the course of business to business and investment, the size and strike a balance between effectiveness. Is not a financing tool for insurance products, insurance companies and banks can not function, the overlap of the Trust, the return of the current insurance industry is the main trend. A number of life insurance company also said that the future of the insurance industry is likely to shrink operations, stock control to adjust the scale of investment in products, protection of the traditional type of savings-type products will once again become the mainstream.
China Life Asset Management Co., Ltd., Chairman Miao Jianmin said that the insurance is the principal pursuit of security, stability, long-term profitability of investment, avoidance of its powerful features and functions of the preservation of the assets of any other variety of financial management and investment by Can not be compared, insurance does not lie in investment profit, but the number of preservation.
Despite the emphasis on the protection of people in the industry, but competition in the market, the scale of expansion under the pressure, who can stand the loneliness, not to be tempted? The purchase of investment-type insurance, must be rational, with a loss of revenue, after all, are their own.
A universal risk status vote in even lower risk and lower along with silver in the channel under the framework of security, and universal insurance. According to statistics, 7,8,9,10 this 4 months, a number of universal life insurance company settlement for lower interest rates. Ping An's life insurance settlement universal bank interest rates down to 6.00 percent from 5.25 percent, Taibao life down to 5.21 percent from 4.51 percent, the Sino-British life down to 5.70% from 4.80% ... ...
Overall, the market clearing interest rate risk everything has fallen from 4.5% -5.5%. It is reported that the regulatory authorities for the enforcement policy. In the first half of this year, investment products accounted for life insurance premium revenue was 79% at the end of last year, up 9 percentage points. If dividends out of traditional insurance products, in the first half of this year, risk everything to vote, and even dangerous products together accounted for close to 30% higher than last year at the end of the 25% growth by 5 percentage points. China Insurance Regulatory Commission believes that the scale of insurance premiums in order to promote risk management products, a departure from the essence of insurance. Such a high proportion of investment products, insurance companies will push the capital market, once the investment losses, insurance companies have declined solvency, cash flow and the risk of a range of issues such as surrender. From the first half of this year, the company's life insurance solvency adequacy ratio universality of the decline in the second quarter have been the end of the life insurance company solvency 6, the shortfalls, at the end of the first quarter also increased by 3. At the same time, January to July this year, life insurance surrender of gold has reached 57,890,000,000 yuan, an increase of 19%.
Insiders said that although domestic investment market down rapids, but universal life insurance likely in the "vacuum", the universal risk to keep pushing higher yield, now, under the command of the regulatory authorities, together universal insurance earnings down . It is clear that universal insurance proceeds of the floating space is available from insurance companies, insurance companies that is likely to use the insurance proceeds lever to influence consumers to buy state of mind. Also cut to a certain Li Chasun insurance, universal insurance settlement rate decreased, leading to a number of unprofitable branches of the bank-based financial management universal moratorium on the sale of insurance has begun. Starting in September, one after another life insurance company will be universal from the bank Chegui network.
Reporters at the post office agent point that some clients come to consult universal insurance income is dropping, just bought less than three months universal insurance, income accounts has dropped 1 percentage point. A middle-aged customers that if the insurance proceeds are becoming less and less, than the bank deposit on a regular basis.
Insurance companies pushed dividend risk
Universal life insurance is the touchstone of the year's Olympics.
But even the risk associated with investment accounts continue to decline in the net, a large area of collective surrender to the incident also cast a shadow over link risk, together with the regulatory norms aimed at Bancassurance sales channels and risk everything to vote even at the risk Silver Security channels under the plane.
New Year to the twinkling of an eye that is, life is about to usher in the company's business challenges in 2009, the Life Insurance Marketing, which a card? Right now, in 2009 only a stepping stone of the dividend risk.
September, the vast majority of life insurance companies struggling with universal insurance market, the Shanghai life insurance premium income ratio is still an increase of 3 billion yuan, of which, life and Taibao the two countries on the increase as high as 2.4 billion dividend is dangerous The two life insurance premium growth. Taibao universal life insurance to give up their positions soon after the occupation of dividends insurance market, the dividends on insurance contribution of close to 90%, completed the Return of the Jedi.
In October, Standard Life Heng, International Assurance Company, and other companies have introduced a new type of insurance product Dividend. In recent days, China Life Insurance [20.69 2.22%] Pacific [15.45 -5.21%] Life, Taiping Life, and so on have also introduced a new insurance product Dividend, the main idea is to have more financial management functions. The need to remind investors that the introduction of these products in the Chinese language, will be "robust" and "long-term investment" as an important selling point stressed by dividends from such a dangerous little risk of loss of the product to reach a long-term stable income The purpose of financial management, to achieve personal assets against inflation, value-added.
When the two main types of insurance sluggish investment, insurance dividends once again become a favorite of insurance companies. Reporters learned that many insurance companies from product sales strategy has been adjusted, the risk of the new dividend policy or to open up the insurance rate will be to seize market share in the important bargaining chip. A senior director of marketing, such as life insurance, "from the channels, the Bank of security operations in a certain proportion continue to play an important framework of the 'gold package' role; insurance from the point of view, pay-period, dividend-based products will be Business center of gravity. "
We had to sigh in the insurance companies pushing a product of a time spent thinking, how can investors on whether or not such a clear understanding of the rules of the game in the chest? Otherwise, it will be inevitable, "Hu You."
Let's take a look at the dividend risk is really risk-free, if people in the industry believe that the traditional focus on protection insurance, interest rate adjustments do not affect the traditional life insurance, the interest rate on dividends down the impact of risk will be relatively large. The general view that the market has entered a cycle of rate cuts, dividend-based products is not without risks. Guoxin Securities in its report also pointed out that since 2008 insurance dividend is not satisfactory return on investment is expected in 2009 will not be a very high level of dividends, unless the insurance companies for the use of dividend risk reserves in particular.
Economic and Trade University in the capital insurance professor Tuo Guozhu, told reporters that the dividend at this time highlights the risk, just as the capital market shocks of the round. Vote in 2003 even after the outbreak of the dangerous wave of surrender, the risk is also waiting dividends jumped out to sound at the end of the income security, has attracted the attention of policy holders, voted to replace the ring even dangerous. But after a few years, the dividends are not satisfactory performance of the insurance policy holders not only get the little bonus, after the expiration of the contract, and few people renewal, but once again he moved to the recovery of the vote even dangerous.
Financial status of security and the future
It is reported that the current fiscal-developed countries in Europe and America account for a higher proportion of insurance business, such as the United States accounted for 50% of the life insurance market, the United Kingdom account for nearly 60%, while China only about 30 percent, also more room for development. However, financial-risk insurance also is not suitable for everyone to buy.
In the face of changes in the insurance market, that Taibao, will be the next priority to the development of old-age insurance and re-disease risk, such as strong protection. The insurance industry will eventually return to the main security industry.
In fact, as a kind of life insurance, insurance dividends of the safeguards of the first. Although it is compound interest to accumulate in the form of dividends, can effectively resist the impact of inflation, but to protect its security features than the type of insurance is slightly inferior.
Insiders said that the outbreak of the bull market, such as insurance funds into the stock market like a tide, the success of the insurance industry over the past year's achievements. The surge in investment income stimulated the insurance industry to the financial products close to investment-type insurance and stock, together with funds selling. In order to seize more market share, improve the billing rates, competition Bancassurance channel, the insurance industry there is a non-benign competition. With the cooling of the capital markets, investment and even started to account for risk has shrunk dramatically, the decline in investment income is also no longer be able to support high rates of settlement, the insurance market instability began to emerge. Surrender, premium income volatility that may arise, lack of solvency of the insurance industry are challenged.
Hao pointed out that the Soviet Union speech, with a conservative insurance funds, insurance products, the main function is to provide security risks. Over the past period of time, the insurance industry has deviated from its own development direction of the profits in the business model on the contractor ignored and only look for investment income. In the face of the current insurance industry, the insurance industry should be adjusted in a timely manner and return to the conservative and security. China Life said that the essence of insurance is risk management, in the course of business to business and investment, the size and strike a balance between effectiveness. Is not a financing tool for insurance products, insurance companies and banks can not function, the overlap of the Trust, the return of the current insurance industry is the main trend. A number of life insurance company also said that the future of the insurance industry is likely to shrink operations, stock control to adjust the scale of investment in products, protection of the traditional type of savings-type products will once again become the mainstream.
China Life Asset Management Co., Ltd., Chairman Miao Jianmin said that the insurance is the principal pursuit of security, stability, long-term profitability of investment, avoidance of its powerful features and functions of the preservation of the assets of any other variety of financial management and investment by Can not be compared, insurance does not lie in investment profit, but the number of preservation.
Despite the emphasis on the protection of people in the industry, but competition in the market, the scale of expansion under the pressure, who can stand the loneliness, not to be tempted? The purchase of investment-type insurance, must be rational, with a loss of revenue, after all, are their own.
No comments:
Post a Comment