China Insurance Regulatory Commission raised the death insurance premium to 160% to guide insurance 天津理工大学是几本

China Insurance Regulatory Commission raised the death insurance premium to 160% to guide insurance 天津理工大学是几本

November 13, 2017
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China Insurance Regulatory Commission will raise the death insurance to 160%, guide insurance return to protect Sina fund exposure platform: letter Phi lag false propaganda, performance is lower than the same kind of products for a long time, how to buy funds by pit? Click on [I want to complain], Sina help you expose them! On each reporter Yuan Yuan in the standard and universal insurance development scale, prevent the spread loss, regulators mentioned another key — "security function" return insurance meaning also in gradually. In the days prior to the announcement of the new rules of life insurance, the CIRC will mention the main age of personal insurance products (18~40 years old) death insurance amount proportion increased from 120% to 160%, in order to strengthen the security function of personal insurance products. "Daily economic news" reporter noted that this is not the first time regulators raise the proportion of universal risk of death insurance behavior. From the beginning of last year, the CIRC has two letter to improve universal insurance death benefit ratio, guide the regression of insurance protection features. For two years, the percentage of death insurance premiums has been raised from the content point of view. "Improving the level of risk guarantee of life insurance products" is an important content of the new regulations of life insurance. The individual term life insurance, endowment insurance, life insurance, care products (Nursing) death insurance amount, according to different stages of the annual insurance, to the lowest limit, namely the risk of the insured amount shall not be less than the total premiums or account value 20%~60%. The new regulations will increase the proportion of the death insurance amount of life insurance products from 120% to 160%, the value of protection has improved significantly compared with before. "This risk protection requirement exceeds the requirements of insurance regulatory authorities in the major countries and regions of the world such as the United States, Europe and asia." CIRC relevant person in charge said. "Daily economic news" reporter noted that the release of universal interest rates last year, the Insurance Regulatory Commission has already raised the proportion of death risk guarantee ratio. It is worth noting that in the universal actuarial provision issued in 2007, the death risk premium for individual universal insurance is only 5% less than the value of the policy account when the policy is issued. In March 2015, the China Insurance Regulatory Commission issued "on the issuance of investment linked insurance, universal insurance actuarial provisions of the notice", clearly requires individual universal insurance coverage in the risk of death when the policy is issued shall be no less than 20% of the account value (i.e. the amount of compensation is not less than the account value of 120%), compared with the 2007 regulations increased by 3 times. Increasing the ratio of death insurance can return insurance to the risk assurance function, and the continuous improvement of institutional measures will promote the release of market vitality, and encourage insurance companies to develop new products that meet consumer needs." The total Actuary of a insurance company told the daily economic news reporter, affected by the new regulations, in addition to annuity long insurance product insurance requirements increased generally, fully reflect the regulatory direction of the Insurance Regulatory Commission to enhance the level of protection. Insurance return insurance function in recent years, China’s life insurance industry has been rapid development, but some risks and problems also appear. Some capital and shareholders take insurance institutions as financing platforms

保监会将死亡保险金提至160% 引导保险回归保障 新浪基金曝光台:信披滞后虚假宣传,业绩长期低于同类产品,买基金被坑怎么办?点击【我要投诉】,新浪帮你曝光他们!   ◎每经记者 袁园   在规范万能险发展规模、防范利差损的同时,监管层提到的另一的重点――“回归保险的保障功能”之意也在渐渐凸显。   在日前公布的人身险新规中,保监会明确提到将人身保险产品主要年龄段(18~40周岁)的死亡保险金额比例要求由120%提升至160%,以加强人身保险产品的保障功能。   《每日经济新闻》记者注意到,这已不是监管层首次提高万能险死亡保险金比例的行为。从去年开始,保监会已两次发函以提高万能险死亡保险金比例,引导回归保险的保障功能。    两年连提死亡保险金比例    从内容上来看,“提高人身保险产品的风险保障水平”是人身险新规的重要内容。对个人定期寿险、两全保险、终身寿险、护理产品的死亡(护理)保险金额,按照投保年度的不同阶段,作出了最低限制规定,即风险保额不得低于累计已交保费或账户价值的20%~60%。   新规将人身保险产品主要年龄段的死亡保险金额比例要求由120%提升至160%,保障价值相比之前有明显提高。“该风险保障要求超过美国、欧洲、亚洲等世界主要国家和地区保险监管部门要求。”保监会相关负责人表示。   《每日经济新闻》记者注意到,去年放开万能险利率的时候,保监会就已已经提升了死亡风险保障金比例。   值得注意的是,2007年下发的《万能保险精算规定》中,对于个人万能保险在保单签发时的死亡风险保额,仅规定不得低于保单账户价值的5%。   2015年3月,保监会下发的《关于印发投资连结保险、万能保险精算规定的通知》中,明确要求个人万能险在保单签发时的死亡风险保额应不低于保单账户价值的20%(即赔付金额不低于保单账户价值的120%),比2007年规定的提高了3倍左右。   “提高死亡保险金比例可以让保险更好地回归到风险保障的职能,不断完善的制度措施将会促进释放市场活力,鼓励保险公司开发符合消费者需求的新产品。”某险企总精算师对《每日经济新闻》记者表示,受新规影响,除年金外的长险产品保额要求普遍提高,充分体现保监会提升保障水平的监管导向。    让保险回归保障功能    近些年,我国寿险业得到了较快的发展,但一些风险和问题也随之出现。一些资本和股东把保险机构作为融资平台,不仅对整个保险行业的产品创新没有帮助,还扰乱了整个行业的外部环境。   进入2016年以来,监管部门不断在公开场合发言要求保险回归保障功能,日前,保监会副主席黄洪在一次论坛上就“保险姓‘保’”给出观点,表示要坚持保险保障功能,对违背保险原理、偏离保险本质的保险产品坚决不予上市销售。   国信证券分析称,保险产品的功能属性可分为保障功能和理财功能,与国外万能险在两种属性上相对均衡的体现不同,国内资产驱动型险企的万能险更倾向于理财,实际提供保障不足,而提升保险金额与累计已交保费或账户价值比例的目的在于强化保单的保障属性。   某险企高管表示,降低理财收益、回归保障功能是监管层希望看到的,这也是保险的根本。就当下而言,发展长期保障型产品,可能在短期内无法从保费方面看出效果,但这不代表这些产品价值不高。从长远来看,这也是寿险企业发展不可缺少的。据其透露,市场上的主要寿险机构都在往长期保障型产品转型。   显然,新规把风险保障的重要性又提高了一个档次。据了解,目前多数万能险意外身故保额与累计已交保费或账户价值之比为150%(超出100%的部分代表附加的保障价值),其他身故的比例为120%,还未完全达到新规要求。   对于后期的调整,另一险企内部人士对《每日经济新闻》记者表示,在银保渠道和网销渠道中,中短存续期产品占绝大多数,这些产品几乎都需要按照新政进行改版。后期提高产品保障、重新设计开发新产品会成为部分险企的主要工作。据了解,目前多数万能险意外身故保额与累计已交保费或账户价值之比为150%(超出100%的部分代表附加的保障价值),其他身故的比例为120%。 进入【新浪财经股吧】讨论相关的主题文章:

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