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Despite the issuance of a number of personal insurance regulatory documents last year, some insurance companies still maintained high universal insurance settlement rates in December last year, staging the "final madness".
According to the universal insurance premiums accounted for the highest proportion of the 20 insurance companies universal insurance products settlement rates found that 384 universal insurance, there are 2 settlement rates of 8%, 23 settlement rates higher than 7%, 69 settlement rates higher than 6%.
The higher settlement rates of individual insurance companies are particularly eye-catching in the current regulatory environment. Since last year, the China Insurance Regulatory Commission has issued a number of regulatory documents for short-term products such as universal insurance, and at the beginning of this year, it issued relevant documents to strengthen the supervision of universal insurance.
On January 10, the China Insurance Regulatory Commission issued the "Notice on Matters Related to the Self-inspection and Rectification of the Classification of Personal Insurance Business" (hereinafter referred to as the "Notice") to various life insurance companies, requiring them to conduct self-inspection and rectification. Relevant insurance companies need to submit the self-inspection rectification documents and statistical forms to the Life Insurance Supervision Department of the China Insurance Regulatory Commission before January 20.
The notice mentioned that life insurance companies operating different types of insurance business should have the corresponding management capabilities and comply with the relevant regulations of the Insurance Regulatory Commission on product actuarial, account management and business management. If a life insurance company seriously violates relevant laws and regulations and does not have the corresponding management capabilities, the Insurance Regulatory Commission will take regulatory measures such as prohibiting it from declaring new products and ordering it to stop accepting part or all of the new business according to law.
Regarding universal insurance, the notice clearly states that "the assets of the universal separate account shall be managed separately and accounted for independently. Policies managed by the same universal separate account shall use the same settlement rate. The establishment of the special reserve of the universal separate account and the injection of capital into the universal separate account shall meet the prescribed conditions. When the actual ROI rate of the universal account is less than the actual settlement rate for three consecutive months and the special reserve cannot make up the difference, the actual settlement rate of the month shall be adjusted in accordance with relevant regulations."
Next：The latest settlement interest rate of universal insurance is released, and the highest two models reach 8%.
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