年末税优保险营销升温 “高收益”话术暗藏玄机

Core Viewpoint - The marketing of insurance products emphasizing "tax savings" is gaining momentum as the year-end approaches, with agents promoting tax-advantaged health and pension insurance products that offer tax deductions [1][2]. Group 1: Tax-Advantaged Insurance Products - There are two main types of insurance products that allow for personal income tax savings: tax-advantaged health insurance, which offers a maximum annual tax deduction of 2,400 yuan, and personal pension insurance, which allows for a maximum annual deduction of 12,000 yuan [1][2]. - Insurance agents are highlighting the dual benefits of tax savings and insurance coverage, claiming that the highest returns can exceed 10% [1][2][4]. Group 2: Tax Refund Calculations - The tax-saving effect of these insurance products is contingent on the policyholder's income tax rate; higher rates yield greater tax refunds. For example, at a 3% tax rate, the refunds for pension and health insurance are 360 yuan and 72 yuan, respectively, while at a 10% rate, they are 1,200 yuan and 240 yuan [2][3]. - The calculation of high returns often includes the tax deductions as part of the product's yield, which can mislead consumers regarding the actual investment returns [4][5]. Group 3: Misleading Marketing Practices - Insurance sales personnel are accused of misleading marketing by combining tax refunds with expected returns, creating an inflated perception of the product's profitability [5][6]. - Experts emphasize that tax refunds are government incentives, not returns provided by the insurance companies, and mixing these figures can mislead consumers about the product's true value [5][6]. Group 4: Importance of Insurance Coverage - Industry insiders stress that the primary purpose of insurance products is to provide coverage, not to serve as investment vehicles. Many tax-advantaged health insurance products are designed primarily for health protection rather than high investment returns [6][7]. - Regulatory bodies have been tightening oversight on misleading sales practices, emphasizing that financial institutions must not misrepresent the nature of their products [6][7]. Group 5: Consumer Guidance - Consumers are advised to focus on their actual insurance needs rather than solely on tax benefits when purchasing insurance products. It is crucial to understand the terms and conditions, including coverage limits and withdrawal rules [7]. - Seeking professional advice and thoroughly evaluating personal financial situations are recommended to ensure that purchasing decisions align with long-term interests [7].