瑞众保险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 phenomenon of "deposit migration" is increasing as deposit rates continue to decline, leading consumers to seek alternatives like universal insurance products that promise higher interest rates, but uncertainties are rising regarding the ability to add premiums to these accounts [1][2]. Group 1: Consumer Experiences - A consumer reported that after purchasing a universal insurance product from 瑞众保险, they were unable to add funds to the associated savings account, which was initially promised to yield at least a 3% annual interest rate [1]. - Another consumer expressed frustration after discovering that their account for a universal insurance product had been disabled for additional premium payments, leading them to seek a full refund and compensation from the insurance company [2]. Group 2: Company Policies - 瑞众保险 announced in April that it would suspend additional premium payments for ten universal 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 [3]. - The company clarified that the suspension of premium additions is a system-wide decision and not targeted at individual customers [2]. Group 3: Regulatory and Contractual Context - The insurance contracts typically include clauses that require approval from the insurance company for additional premium payments, which may not be clearly communicated to consumers at the time of sale [5][6]. - Recent regulatory changes emphasize the need for insurance companies to clearly define the conditions for additional premium payments in their product terms to prevent sales misrepresentation and protect consumer interests [9][10]. Group 4: Industry Challenges - The decline in market interest rates has pressured insurance companies, leading them to restrict additional premium payments for high-guarantee universal insurance products to manage operational risks and stabilize interest rates [7][8]. - The industry faces challenges in aligning sales practices with regulatory requirements, as past sales strategies may have misled consumers regarding the flexibility of premium additions [8][10].