Core Viewpoint - The phenomenon of "deposit migration" is increasing as deposit rates continue to decline, leading consumers to seek higher returns through insurance products, particularly universal life insurance with attractive interest rates. However, recent restrictions on additional premium payments have raised uncertainties for consumers [1][2][3]. Group 1: Consumer Experiences - A consumer reported that after purchasing a universal life insurance product from 瑞众保险, they were unable to make additional premium payments as the account had been suspended [1][2]. - 瑞众保险 announced in April that it would suspend additional premium payments for 10 universal life 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 [2][3]. Group 2: Regulatory and Market Context - The insurance industry has faced significant pressure due to rapidly declining interest rates, prompting companies to limit additional premium payments to manage high-cost liabilities and stabilize account growth [4][5]. - New regulations from the financial regulatory authority require insurance companies to clearly outline the conditions for additional premium payments in product terms, ensuring that existing contracts remain valid despite regulatory changes [5]. Group 3: Industry Practices and Misleading Sales - There have been instances of misleading sales practices in the insurance industry, where sales personnel emphasized the ability to make unlimited additional premium payments, leading to consumer confusion and dissatisfaction when these options were restricted [4]. - Legal experts noted that the terms of universal life insurance contracts typically require approval from the insurance company for additional premium payments, which may not align with consumer expectations [3][4].

Core Viewpoint - The article discusses the phenomenon of "deposit migration" due to declining deposit rates, highlighting consumer dissatisfaction with insurance products that promise fixed interest rates but have recently restricted additional premium payments [1][3][11]. Group 1: Consumer Issues - Consumers have reported being unable to add funds to their insurance-linked savings accounts, which were initially marketed with a guaranteed interest rate of at least 3.0% [3][4]. - Complaints have arisen from consumers who feel misled when insurance companies restrict additional premium payments, leading to demands for refunds and compensation [4][5]. - The inability to add premiums is not isolated to individual cases but is a systemic issue affecting multiple products offered by the insurance company [5][11]. Group 2: Company Policies - The insurance company, 瑞众保险, announced a suspension of additional premium payments for certain products, including those with a guaranteed interest rate of 3% or higher, effective April 26, 2025 [5][11]. - The company stated that the decision to halt additional premium payments is a broad measure aimed at stabilizing the operation of its products amid declining interest rates [11][13]. - The company has not responded to media inquiries regarding the suspension of premium additions, indicating a lack of communication with consumers [6]. Group 3: Regulatory Environment - New regulations from the financial regulatory authority require insurance companies to clearly define the conditions for additional premium payments in their product terms to prevent sales misrepresentation [13][14]. - The regulations also mandate that insurance sales personnel undergo specialized training to ensure they provide accurate information about product features, including the limitations on premium additions [13][14]. - The regulatory changes aim to shift the focus of insurance companies from volume-driven sales to value-driven offerings, emphasizing the balance between protection and stable returns [13][14].

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