第四套生命表来了，对你的保费有什么影响？

Core Viewpoint - The release of the fourth mortality table for the life insurance industry in China reflects a significant update in mortality rates and life expectancy, impacting premium pricing for various insurance products [3][6][9]. Group 1: Release of the Fourth Mortality Table - The China Actuarial Society officially released the "China Life Insurance Experience Mortality Table (2025)" on October 29, marking the fourth version since the last update in 2016 [3][4]. - The new mortality table is based on nearly ten years of comprehensive policy data, making it the largest sample size in the global insurance market [5][6]. Group 2: Changes in Mortality Rates and Life Expectancy - Compared to the previous table, the fourth mortality table shows a decrease in mortality rates by approximately 20% to 30% and an increase in life expectancy by about 2 years [8][9]. - The average life expectancy in China is projected to reach 79 years by 2024, up from 76.34 years in 2015, reflecting improvements in healthcare and living standards [6]. Group 3: Impact on Insurance Premiums - The decline in mortality rates is expected to lower premiums for term life insurance products, while premiums for annuity products may rise due to increased life expectancy [9][10]. - The actual impact on premiums will vary by company, as pricing strategies will also consider market conditions, interest rates, and other factors beyond the mortality table [10]. Group 4: Regulatory Guidelines - The notification accompanying the new mortality table outlines specific requirements for its application, including the need for insurance companies to use the table in determining minimum statutory reserves for various insurance products [8][12]. - Insurance companies are required to establish a review mechanism to ensure the accuracy of their actuarial models and to report any significant deviations in mortality rates [12].