万能险保费追加受限争议背后：利差损需防范，销售误导须改正

Core Viewpoint - The article discusses the phenomenon of "deposit migration" due to declining deposit rates, highlighting consumer dissatisfaction with insurance products that promise fixed interest rates but have recently restricted additional premium payments [1][3][11]. Group 1: Consumer Issues - Consumers have reported being unable to add funds to their insurance-linked savings accounts, which were initially marketed with a guaranteed interest rate of at least 3.0% [3][4]. - Complaints have arisen from consumers who feel misled when insurance companies restrict additional premium payments, leading to demands for refunds and compensation [4][5]. - The inability to add premiums is not isolated to individual cases but is a systemic issue affecting multiple products offered by the insurance company [5][11]. Group 2: Company Policies - The insurance company, 瑞众保险, announced a suspension of additional premium payments for certain products, including those with a guaranteed interest rate of 3% or higher, effective April 26, 2025 [5][11]. - The company stated that the decision to halt additional premium payments is a broad measure aimed at stabilizing the operation of its products amid declining interest rates [11][13]. - The company has not responded to media inquiries regarding the suspension of premium additions, indicating a lack of communication with consumers [6]. Group 3: Regulatory Environment - New regulations from the financial regulatory authority require insurance companies to clearly define the conditions for additional premium payments in their product terms to prevent sales misrepresentation [13][14]. - The regulations also mandate that insurance sales personnel undergo specialized training to ensure they provide accurate information about product features, including the limitations on premium additions [13][14]. - The regulatory changes aim to shift the focus of insurance companies from volume-driven sales to value-driven offerings, emphasizing the balance between protection and stable returns [13][14].