多款定期寿险或涨价5%至10%，业内人士提醒警惕“炒停售”

Core Viewpoint - Ant Group's insurance platform is set to increase prices for two term life insurance products by over 7% starting March 1, with multiple term life insurance products expected to be discontinued between February and March 2026, leading to price hikes of 5% to 10% for new offerings [1][2][6]. Pricing Changes - The "Universal Insurance Term Life" and "Zhenai Term Life" products will be taken off the market on February 28 [2]. - The annual premium for a 30-year-old male purchasing the "Universal Insurance Term Life" with a coverage of 1 million yuan for 20 years is currently 1,268 yuan, which will rise to approximately 1,359.30 yuan after the price increase [5][6]. - The "Zhenai Term Life" product's annual premium will increase from 767 yuan to about 820.69 yuan following the 7% price hike [6]. Reasons for Price Increase - The price increase is attributed to the implementation of the "China Life Insurance Industry Experience Life Table (2025)" starting January 1, 2026, which reflects an increase in average life expectancy, necessitating a reassessment of mortality risk for younger and high-coverage individuals [6]. - Market interest rates have been declining, with the predetermined interest rate dropping to 2.0% as of September 2025, contributing to the upward pressure on term life insurance pricing [7]. Market Dynamics - The pricing of term life insurance is influenced by mortality rates, predetermined interest rates, and expense ratios, with the recent downward trend in market interest rates being a significant factor [7]. - Some insurance companies are adjusting prices due to high claims ratios, particularly those with a concentration of high-risk individuals or those who have pre-existing conditions [7]. Consumer Guidance - Consumers are advised to be cautious of marketing tactics that exploit the impending price increases, such as urgency to purchase before the products are discontinued [8][10]. - It is recommended that consumers assess their actual insurance needs rather than making hasty decisions based on price changes, ensuring that any purchase aligns with their financial responsibilities and family needs [10].