保险附带的储蓄账户停用消费者退保遭拒 瑞众保险回应

Core Viewpoint - The article discusses the suspension of additional premium payments for certain universal life insurance products by Ruizhong Life Insurance, leading to consumer complaints and demands for refunds and compensation due to the inability to deposit funds into their accounts [1][2]. Group 1: Consumer Impact - A consumer in Shandong, Mr. Zhang, faced issues when trying to deposit into a universal life insurance account after the acquisition of the business by Ruizhong Life Insurance [1]. - The customer service of Ruizhong Life Insurance confirmed that the account with a guaranteed minimum interest rate of 3% has been suspended across the entire insurance system [1]. Group 2: Company Announcement - Ruizhong Life Insurance announced on April 11 that it would suspend additional premium payments for ten universal life insurance products to ensure the stable operation of these accounts [2]. - The suspension will not affect the rights of existing contracts that have already been paid, and the withdrawal services for these products will continue as normal during the suspension period [2]. Group 3: List of Affected Products - A list of specific universal life insurance products affected by the suspension includes "Huaxia Jin Guanjia Lifelong Insurance (Universal Type, Diamond Enhanced Version)" and others, with the suspension effective from April 26, 2025, for most products [3].