随着国家金融监督管理总局一纸批复，注册资本高达170亿元的富泽人寿正式获准筹建，这家承载着化解问题险企风险特殊 使命的新主体，正在重构山东乃至全国人身险市场的竞争逻辑。 2025年12月16日，国家金融监督管理总局批复同意筹建富泽人寿，这家注册地位于济南金控大厦的新寿险公司，将以170亿 元的注册资本金，全盘受让长期经营动荡的君康人寿的保险业务及对应资产负债。 济南金投控股与济南政金通达两家地方国资合计持股53.24%，中国保险保障基金持股35.29%，人保资产持股11.47%。 这一股权设计实现了多重目标平衡：济南国资控股确保风险处置与地方金融稳定协同；保险保障基金的60亿元出资发挥行 业"稳定器"作用；人保资产的加入则注入了成熟的资金管理与风控体系。 模式创新 化解风险与保障权益并重 从名称申报到业务承接仅用一年，富泽人寿的诞生并非简单的市场扩容，而是中国保险业风险处置机制又一次关键实践。 批复落地 风险处置新样本 富泽人寿的诞生，直接源于君康人寿风险的最终出清。这家历史可追溯至2004年的寿险机构，在长期股东更迭与经营波动 后，核心偿付能力已持续低于监管红线。 数据显示，截至2024年末，君康人寿业务开 ...

Core Viewpoint - The insurance policies held by consumers are well protected under national laws and the insurance guarantee fund, ensuring that policyholders' rights are safeguarded even if an insurance company loses its business license [1][2][5]. Group 1: Life Insurance Protection - The probability of life insurance companies going bankrupt is very low due to strict legal regulations that prevent arbitrary dissolution [2]. - In the event of a life insurance company being revoked or declared bankrupt, the insurance contracts and reserves must be transferred to another operating life insurance company, ensuring continuity of coverage [2][6]. - If the transferring company’s assets are insufficient to cover policy benefits, the insurance guarantee fund will provide assistance, with limits set at 90% for individual policyholders and 80% for institutional policyholders [3]. Group 2: Property Insurance Protection - Property insurance, including auto and home insurance, is also backed by a robust guarantee mechanism, ensuring that claims will be processed even if the insurance company faces risks during the coverage period [4]. - The insurance guarantee fund will fully cover policy benefits up to 50,000 RMB, and for amounts exceeding this, it will cover 90% for individuals and 80% for institutions [4]. Group 3: Consumer Guidance - Policyholders do not need to worry excessively about changes in insurance companies, as their policies will automatically transfer to new insurers with unchanged terms and conditions [7]. - To ensure better service, consumers are advised to choose insurance companies with strong solvency and high regulatory ratings, and to verify their policy information through official channels [7]. Group 4: Industry Stability - Historical cases demonstrate that the risk management mechanisms in China's insurance industry are maturing, with past instances of company failures being handled effectively [6][7]. - The comprehensive regulatory framework, including legal constraints and real-time supervision, provides a multi-layered safety net for policyholders [7].