临近年末，以"个税节税"为卖点的保险产品营销趋热。近日，不少保险代理人在社交平台发布利用 保险产品进行节税的信息。目前可实现个人所得税节税的保险产品有两类，一类是税优健康险产品，每 年最高可享2400元的抵税额度；另一类是个人养老金保险产品，每年最高可享12000元的抵税额度。 保险销售人员在推介时极力强调税优保险"既能提供健康保障，又能节省个税"的双重功能，将高收 益作为卖点，宣称"最高收益率可达10%以上"。记者调研了解到，所谓高收益往往是将个税抵扣金额计 入收益后计算得出，并非传统意义上保险产品的收益。业内人士认为，此类宣传涉嫌销售误导，消费者 应警惕其中的风险，在购买保险产品时需关注自身的保险保障需求，将节税视为一个加分项，而非作出 购买决定的唯一依据。 ● 本报记者 陈露 "节税+提供保险保障" "在2025年投保生效的个人养老金保险和税优健康险可以享受税优政策，都可以在次年个人所得税 综合所得汇算清缴时办理税前扣除。"保险经纪人苏女士向记者介绍。 苏女士说："目前符合税优政策的健康险主要有医疗险、护理险等险种，护理险一般为2400元起 投，可以充分利用每年最高2400元的抵税额度。个人养老金保险产 ...

Core Viewpoint - The recent penalty imposed on Zhongyi Life Insurance's Zhuhai branch highlights deeper issues within the insurance industry, particularly concerning misleading sales practices and compliance failures [2][4]. Group 1: Regulatory Actions and Penalties - Zhongyi Life Insurance's Zhuhai branch was fined 174,000 yuan for false advertising, misleading training of agents, and offering benefits outside of insurance contracts [2]. - The penalties also extended to the branch's deputy general manager and the head of personal marketing, each receiving a warning and a fine of 22,000 yuan [2]. - This incident is part of a broader trend, with Zhongyi Life receiving over 10 penalties since 2025 for various compliance issues, including misleading sales practices and internal control failures [4][9]. Group 2: Financial Performance - Despite compliance issues, Zhongyi Life reported a significant financial performance, with insurance revenue of 23.611 billion yuan in the first half of 2025, marking an 11.08% year-on-year increase, and a net profit of 1.094 billion yuan, up 32.77% [4]. - The company has maintained profitability for 15 consecutive years, indicating strong financial health despite regulatory challenges [4]. Group 3: Management and Governance - The recent appointment of Tong Tianxi as the new chairman reflects a shift in leadership, with a focus on financial management rather than insurance industry experience [7]. - The company's reliance on resources from its parent company, China National Petroleum Corporation, has led to a focus on short-term performance over compliance, raising concerns about governance and internal controls [9][10]. - There is a need for a comprehensive overhaul of compliance culture and internal governance to address the systemic issues highlighted by recent penalties [9].

据媒体近日报道，山东青岛的消费者张简（化名）表示，2022年，他妻子购买了"华夏福临门（吉祥如 意版）年金保险"，该保险附带一份"华夏金管家终身寿险（万能型，钻石增强版）"。 张简称，他和妻子正是因为看中该账户的价值，才购买了这款保险。而在今年5月初，当张简和妻子想 继续向该账户转账存钱时，却发现该账户已不允许存入。他咨询保险代理人才得知，该保险附带的账户 均已被停用。 张简表示，保险公司无故停止该账户的使用，违约在先，希望该公司能全额退还保费，并进行一定的赔 偿。 存款利率一降再降，随之而来的"存款搬家"现象频频出现。"掷金百万到万能险中锁定3%利率"等相关 新闻屡见报端，不过，欲将存款"成功"搬家至保险账户中，不确定性正在大大增加。 6月25日，北京商报记者了解到，有媒体近日报道称，一消费者表示此前在华夏人寿保险股份有限公司 （现为"瑞众人寿保险有限责任公司"，以下简称"瑞众保险"）购买了一款保险，该保险附带一个储蓄账 户，可享受年化至少3.0%的"利息"。不过，近期在向该账户转账存钱时，却发现已无法存入。 据了解，上述保险附带的账户为一款万能险，需要关注的是，近年来万能险账户暂停追加保费的情况并 不少见 ...