以“高收益”为卖点销售保险是否存在“画饼”陷阱

Core Viewpoint - A new life insurance product known as "Guaranteed King" has gained popularity in Hong Kong, offering a minimum return of 2% and a dividend of 3.1%, leading to a total expected return of 5.1%, significantly higher than mainland products [1] Group 1: Product Features and Comparisons - The Hong Kong insurance product boasts features such as multi-currency options, flexibility in policyholder changes, policy splitting, and currency conversion, which are seen as superior to mainland offerings [1] - A demonstration policy with an annual premium of 100,000 yuan shows that the cash value increases significantly over the first five years, with total cash values reaching 244,168 yuan by the fifth year [1] Group 2: Risks and Market Insights - High returns often come with high risks, and the actual dividends are subject to market fluctuations, making the advertised high returns potentially misleading [2][3] - The internal rate of return (IRR) of 5.1% is only achievable in the 98th policy year, with the IRR at the 20th year being only 4.50% [2] - The insurance market in Hong Kong is influenced by high commission rates for agents, which can lead to exaggerated claims about product benefits [3] Group 3: Consumer Guidance and Regulatory Warnings - Consumers are advised to understand their reasons for purchasing Hong Kong insurance, whether for protection or asset allocation, and to be aware of the associated risks such as currency fluctuations and legal protections [3][4] - Regulatory bodies have issued warnings about the risks of purchasing overseas insurance products, emphasizing the lack of legal protection and potential difficulties in claims and dispute resolution [5][6][7] - The Jiangsu Insurance Industry Association has highlighted the importance of understanding the long-term nature and stability of policies, urging consumers to be cautious of products marketed with high returns [6][7]