Past 2010, the participating insurance The current dividend insurance life insurance market has been occupied more than Qicheng share, in some companies even more than 90%.
reporter learned, slowly open the 2011 The universal insurance, investment-linked insurance and other insurance as in the implementation of new accounting standards will not be included in annual premium income, most of its contracted insurance firms.
and Shanghai
participating insurance
33-year-old Pan is an investment manager of the company's budget last year, the daughter of Hi Tim. A father of his view, beautiful clothes, exquisite toy, not to give children the best gift, the gift is given to children of permanent endless security and a good education. After some comparisons, Mr. Ban plans to buy China Life Fortune recent Children Endowment Insurance (Participating) a comprehensive protection to children.
participating insurance market, this is only the tip of the iceberg. Today, the participating insurance has become the main force of China's life insurance industry and is undoubtedly the largest category of insurance is an indisputable fact. Data show that only the first half of 2010, life insurance market, nearly 130 models on the launch of dividend risk. In 2009 the first 6 months, the market dividend on the new balance of risks is only ten. Another reporter rough statistics, China Life Insurance products launched, there are 12 participating insurance, and universal insurance and investment-linked insurance is only 1 each.
It was learned that China Life, AIA, Ping An Life, Hai Kang Life, Sun Life, Pacific Insurance and other companies to continue the traditional, to continue to use the return type of participating insurance as a Double Happiness sun life insurance selling insurance dividends, good start
reporter was informed, Insurance experts, participating insurance selling, there are two main reasons: First, advocate in the China Insurance Regulatory Commission under the theme of restructuring, part-time security and financial management functions of the participating insurance is bound to shine. Data show that from January to November 2010, participating insurance whole life insurance business accounted for 71.2% of premium income, compared with 2009 increased by 6.2 percentage points.
followed to promote the implementation of new accounting standards. Under the new accounting standards, investment-linked insurance and universal life insurance sales is not included in some of the premium income of insurance companies, participating insurance premiums can all count.
However, in the context of high inflation, especially last year in November CPI rose by 5.1%, dividend income level of the overall risk appears worry. According to the relevant provisions of the CIRC, the level of dividend income insurance is broadly divided into third gear, and 4% for the low, mid-range of 5%, 6% grade. In recent years, various insurance companies participating insurance income has been maintained at around 4% -5%, although the 1 year time deposit interest rates with banks 2.75% 4.55% 5-year time deposit rate, compared with certain advantages, but the surface menacing on the CPI, with no obvious advantage.
universal risks
Industry insiders believe that, due to investment-linked insurance universal insurance and high net worth individuals on asset allocation, compliance and insurance protection needs, investment in the direction of two types of insurance are indirectly involved in the capital market, once the capital markets improved in 2011, or will lead to universal insurance and investment-linked insurance recovery.
However, the reporter rough statistics, last year only to vote with more than 200 accounts, more than 20% of product revenue is negative, once glory of universal insurance is inevitable that some And integrated view of a number of brokerage, capital markets in 2011 is still a shock city, index or difficult to have large gains, which for investment-linked insurance market, is still not optimistic.
while universal insurance settlement rate, from 6% in 2008, after the peak, was a continuous downward. Have collectively below 4%. However, since last October the central bank to raise interest rates twice, universal insurance settlement rate price rose. Following the November 2010 settlement of interest rate increases universal insurance, some have been published in December last year, universal insurance rates continued to show upward trend of interest rates over the company's balance sheet back on the 4% level.
national universal insurance in the market in 2010 overall contraction of the larger environment, there are insurance companies do not take the unusual way, in the CD all the participating insurance insurance companies followed the lead of the situation, another way to introduce the investment related products. For example, in January this year, Sun Life introduced a new universal insurance product --- the
market analysts believe that universal insurance is the insurance market will remain one of the important species, short-term certainly not out of the market,
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