Core Viewpoint - The article discusses the rising trend of policy loans in the insurance industry, highlighting their benefits for liquidity and flexibility while also addressing the associated risks and the importance of careful management [1][4]. Group 1: Policy Loan Features - Policy loans allow policyholders to borrow against the cash value of their insurance policies, typically up to 80% of the cash value, with interest rates ranging from 4% to 6%, which is lower than average online loan rates [1][2][3]. - The process for obtaining a policy loan is streamlined through digital channels, allowing for online applications and instant disbursements, which has contributed to an increase in policy loan usage [2][3]. - Policy loans do not affect the validity of the insurance contract, allowing policyholders to maintain their coverage while accessing funds [3]. Group 2: Risks and Considerations - There are risks associated with policy loans, including the potential for policy lapse if the total loan amount exceeds the cash value, which can jeopardize insurance benefits [4][6]. - Consumers are advised to avoid third-party intermediaries and to be cautious of exaggerated claims made by loan brokers, as these can lead to financial pitfalls [5][6]. - It is essential for policyholders to assess their financial situation and repayment capabilities before taking out a policy loan, ensuring that they do not overextend themselves [6][7]. Group 3: Recommendations for Policyholders - Insurance companies recommend that policyholders treat policy loans as short-term financing tools and establish clear repayment plans to avoid financial strain [7]. - Regular monitoring of the cash value and loan balance is advised to maintain a safe margin and ensure the policy remains effective [7]. - Consumers should prioritize understanding the terms of the loan, including interest rates and repayment schedules, to prevent adverse financial consequences [7][8].

近日，中国证券报记者发现，一些新上市的增额终身寿险在卖点中常提及"保单贷款、减额交清"等功 能，并以此突出保障与流动性的平衡。记者从多家险企了解到，实际上，很多保险公司都推出了保单贷 款服务，特别是约定了现金价值的增额终身寿险、年金险、重疾险长期保单，投保人可提取保单现金价 值的一部分作为额度，激活"沉睡"保单，灵活实现资金周转。 "保险公司给的额度，一般是保单当期现金价值的80%左右，期限多是六个月，可以循环贷。目前我们 公司这项业务的年化利率是4.65%。"北京一家中小型险企人士对记者表示，"利率各家公司差距不算 大，会根据市场利率和公司成本等因素综合确定，目前利率为4%-6%，低于网贷的平均水平。" 申请灵活高效、不计入征信、利率不算高、短期不影响保障功能……这是否意味着保单贷款是一种不错 的融资方式？业内人士提醒，保单贷款存在一定的风险，消费者应衡量贷款本息和现金价值的关系，防 止因不当借贷影响保单效力，防止因期限错配陷入"短贷长用"的风险漩涡。 ● 本报记者 薛瑾 灵活的资金周转途径 保单贷款是指投保人将所持有保单的现金价值质押给保险公司，保险公司按照现金价值的一定比例向投 保人出借资金并收取利息的 ...

近日，中国证券报记者发现，一些新上市的增额终身寿险在卖点中常提及"保单贷款、减额交清"等功 能，并以此突出保障与流动性的平衡。记者从多家险企了解到，实际上，很多保险公司都推出了保单贷 款服务，特别是约定了现金价值的增额终身寿险、年金险、重疾险长期保单，投保人可提取保单现金价 值的一部分作为额度，激活"沉睡"保单，灵活实现资金周转。 "保险公司给的额度，一般是保单当期现金价值的80%左右，期限多是六个月，可以循环贷。目前我们 公司这项业务的年化利率是4.65%。"北京一家中小型险企人士对记者表示，"利率各家公司差距不算 大，会根据市场利率和公司成本等因素综合确定，目前利率为4%-6%，低于网贷的平均水平。" 申请灵活高效、不计入征信、利率不算高、短期不影响保障功能……这是否意味着保单贷款是一种不错 的融资方式？业内人士提醒，保单贷款存在一定的风险，消费者应衡量贷款本息和现金价值的关系，防 止因不当借贷影响保单效力，防止因期限错配陷入"短贷长用"的风险漩涡。 ● 本报记者 薛瑾 灵活的资金周转途径 保单贷款是指投保人将所持有保单的现金价值质押给保险公司，保险公司按照现金价值的一定比例向投 保人出借资金并收取利息的 ...

12月9日金融一线消息，深圳金融监管局今日发布关于正确认识保单贷款功能的消费提示。深圳金融监 管局指出，近期，多名保险消费者反映在办理保单贷款业务后因利息负担、退保金额等与保险公司发生 纠纷。在此，深圳金融监管局提示广大金融消费者：正确认识保单贷款功能，理性作出选择判断。 一、什么是保单贷款 保单贷款是指投保人将所持有保单的现金价值质押给保险公司，保险公司按照现金价值的一定比例向投 保人出借资金并收取利息的融资服务。通常一年期以上的储蓄型人身保险产品（例如终身寿险、重疾险 等）可以提供保单贷款服务，具体通过保险合同进行约定。 二、保单贷款如何影响消费者 （一）保单贷款需要支付利息。消费者申请保单贷款，需要按约定偿还本金和利息。保单贷款期限一般 为6个月（具体贷款期限取决于保单类型和贷款金额等），到期需要一并归还本息，如果未能按时足额 偿还，欠款将作为新的贷款本金计息。当欠款本息超过保单现金价值时，可能导致保单超贷停效，影响 保单的风险保障功能。 （二）退保理赔将扣除保单贷款本息。由于保单贷款通过保单现金价值质押的方式获得资金，若消费者 在贷款清偿完成前退保，退保金额一般将在合同载明的现金价值基础上减少欠款本息 ...

深圳金融监管局指出，保单贷款是指投保人将所持有保单的现金价值质押给保险公司，保险公司按照现 金价值的一定比例向投保人出借资金并收取利息的融资服务。通常一年期以上的储蓄型人身保险产品 （例如终身寿险、重疾险等）可以提供保单贷款服务，具体通过保险合同进行约定。 保单贷款需要支付利息，消费者申请保单贷款，需要按约定偿还本金和利息。保单贷款期限一般为6个 月（具体贷款期限取决于保单类型和贷款金额等），到期需要一并归还本息，如果未能按时足额偿还， 欠款将作为新的贷款本金计息。当欠款本息超过保单现金价值时，可能导致保单超贷停效，影响保单的 风险保障功能。退保理赔将扣除保单贷款本息，由于保单贷款通过保单现金价值质押的方式获得资金， 若消费者在贷款清偿完成前退保，退保金额一般将在合同载明的现金价值基础上减少欠款本息；若发生 理赔给付情形，保险公司通常会按照约定，在理赔给付款中扣减欠款本息后再予支付。 北京商报讯（记者 李秀梅）12月9日，深圳金融监管局发文表示，近期，多名保险消费者反映在办理保 单贷款业务后因利息负担、退保金额等与保险公司发生纠纷。在此，深圳金融监管局提示广大金融消费 者：正确认识保单贷款功能，理性作出选择判 ...

Core Viewpoint - China Life (Overseas) is actively providing financial support to clients affected by the Tai Po fire, emphasizing its commitment to its insurance business and community support [1] Group 1: Financial Support and Claims - The company has completed its first policy loan application related to the fire incident to assist clients with urgent financial needs [1] - A green claims channel was opened immediately after the incident, simplifying the claims process and prioritizing affected clients' applications [1] - The estimated compensation amount has exceeded 1 million Hong Kong dollars, alleviating the economic pressure on clients [1] Group 2: Community Engagement - The company is responding to calls from the Hong Kong SAR government and the Hong Kong Chinese Enterprises Association by encouraging employees to participate in blood donation and volunteer activities [1] - Over 300 employees have donated to the Hong Kong Chinese Enterprises Charity Fund to support the affected community [1]

Core Viewpoint - The company is enhancing its services for elderly customers by improving the environment of its service outlets and implementing age-friendly facilities, thereby contributing to the construction of an elderly-friendly society and increasing the financial service satisfaction of older users [1]. Group 1: Service Environment and Facilities - The company is continuously improving the service outlet environment and age-friendly service facilities to enhance the effectiveness of services for elderly customers [2][4]. - Dedicated service windows, comfortable seating, and aids such as reading glasses have been established to create a convenient service environment for elderly consumers [3]. Group 2: Online and Offline Service Integration - The company allows claims, policy maintenance, and complaints to be submitted online while still maintaining offline service options, encouraging elderly customers to use in-person services or authorize others to assist them [3]. - A dedicated customer service hotline (95596) has been enhanced with features specifically for elderly users, including voice prompts and dedicated service representatives [5]. Group 3: Digital Service Enhancements - The company's official WeChat account has undergone age-friendly modifications, including a "senior mode" button for easier navigation and larger font sizes [5]. - Educational materials and videos have been created to guide elderly customers in using online services effectively, covering topics such as policy loans, payments, and beneficiary changes [5].

Core Viewpoint - A recent incident highlighted the importance of vigilance against insurance fraud, where a senior citizen attempted to cancel a policy after being a victim of telecom fraud, leading to proactive measures by the company's staff to prevent further financial loss [1][4]. Group 1: Incident Overview - An elderly man visited the company to process a policy cancellation after being scammed, revealing that he had not applied for any policy loans despite multiple applications being submitted under his name [1]. - The company's staff, upon discovering the unusual loan applications, acted quickly to assist the elderly man by canceling all pending loan requests, effectively preventing potential financial loss [1][4]. Group 2: Risk Awareness and Prevention Measures - The company emphasized the importance of protecting personal information, advising against sharing sensitive details such as ID numbers and bank account information with strangers [1][2]. - Customers were warned to be cautious of unfamiliar links and apps, urging them not to click on suspicious links or download unofficial applications to avoid phishing scams [2][3]. - The company recommended regular checks on policy status through official channels to identify any anomalies promptly [3]. - It was advised to verify identity authentication requests and to remain cautious of any remote assistance requests from unknown individuals [3]. - In case of suspected fraud, immediate action should be taken to stop all operations and report to authorities [4]. Group 3: Consumer Guidance - During the national insurance public awareness campaign, the company reiterated the "Three No's" principle: do not answer unknown calls for app guidance, do not click on links in messages, and do not trust offers of policy rebates or upgrades [4]. - Additionally, the "Two Musts" actions were highlighted: discuss large financial transactions with family and report any suspicious activity to the police and the insurance company's official hotline [4].