万能险保费追加受限争议背后

Core Viewpoint - The phenomenon of "deposit migration" is increasing as deposit rates continue to decline, leading consumers to seek higher returns through insurance products, particularly universal life insurance with attractive interest rates. However, recent restrictions on additional premium payments have raised uncertainties for consumers [1][2][3]. Group 1: Consumer Experiences - A consumer reported that after purchasing a universal life insurance product from 瑞众保险, they were unable to make additional premium payments as the account had been suspended [1][2]. - 瑞众保险 announced in April that it would suspend additional premium payments for 10 universal life insurance products, including the "华夏金管家终身寿险," effective from April 26, 2025, citing the need to ensure stable operations of these accounts [2][3]. Group 2: Regulatory and Market Context - The insurance industry has faced significant pressure due to rapidly declining interest rates, prompting companies to limit additional premium payments to manage high-cost liabilities and stabilize account growth [4][5]. - New regulations from the financial regulatory authority require insurance companies to clearly outline the conditions for additional premium payments in product terms, ensuring that existing contracts remain valid despite regulatory changes [5]. Group 3: Industry Practices and Misleading Sales - There have been instances of misleading sales practices in the insurance industry, where sales personnel emphasized the ability to make unlimited additional premium payments, leading to consumer confusion and dissatisfaction when these options were restricted [4]. - Legal experts noted that the terms of universal life insurance contracts typically require approval from the insurance company for additional premium payments, which may not align with consumer expectations [3][4].