这三家公司的处置案例证明，保险公司即便退场，保单也会有明确承接方，消费者的核心权益不会受损。 3大保险公司已破产！但你的保单还安全吗？国家其实早有准备 茶余饭后跟街坊邻居唠嗑，常听到有人犯嘀咕："听说又有保险公司破产了，我几年前买的重疾险还能赔吗？""手里的理财型保险，要是保险公司倒了，本 金能拿回来不？" 如今买保险的人越来越多，但"保险公司破产"的消息总让人心里打鼓。其实大家完全不用慌！国家金融监督管理总局近年已先后批复3家 保险公司破产或解散，可没有一例让消费者的保单"打水漂"。 一、官方实锤：3家保险公司已退场，详情全公开 很多人以为"保险公司不会倒闭"，其实不然，但破产不等于保单失效！国家金融监督管理总局官网明确披露了3家已退出市场的保险公司，每一家的处置都 有明确流程和结果： - 安达保险有限公司：2025年2月5日，国家金管总局发布《关于安达保险有限公司解散的批复》，同意其解散 。此前其全部保险业务及资产负债已由华泰财 险受让，原有保单继续有效，理赔服务不受任何影响。 - 易安财产保险股份有限公司：2022年7月，银保监会批复其进入破产重整程序，成为业内首家破产重整的互联网保险公司 。重整期间公 ...

Group 1 - The core viewpoint of the article emphasizes that incremental capital is a direct driving force behind the rise of stocks and the stock market, highlighting the importance of understanding where this capital is flowing [3]. - The previous article discussed how high-net-worth individuals are channeling funds into the stock market through wealth management insurance and private equity, indicating a trend in capital movement [3]. - This article aims to explore two additional channels through which incremental capital is entering the stock market, suggesting a broader analysis of capital flows [3].

Core Insights - The China Insurance Industry Association announced a new benchmark interest rate for ordinary life insurance products at 1.99%, a decrease of 14 basis points from the previous rate, indicating a trend of declining interest rates in the insurance sector [1][4][5] - Major insurance companies, including China Life and Ping An Life, have announced adjustments to their insurance product interest rates, with the maximum rate for ordinary insurance products set at 2.0% [5][9] - The downward adjustment of the benchmark interest rate is seen as a necessary response to the ongoing decline in market interest rates, which helps insurance companies manage their financial stability and reduce liability costs [9][14] Industry Adjustments - The new maximum interest rates for various insurance products are as follows: ordinary insurance products at 2.0%, participating insurance products at 1.75%, and universal insurance products at a maximum guaranteed rate of 1.0% [5] - The adjustment aligns with the regulatory framework established earlier this year, which mandates that if the maximum interest rate for insurance products exceeds the benchmark rate by 25 basis points for two consecutive quarters, it must be lowered [4] Market Reactions - Insurance agents are leveraging the current market conditions to promote sales, emphasizing the urgency for consumers to secure higher rates before further declines [10][13] - The trend indicates a shift towards participating insurance products as the maximum interest rates for fixed-income products decrease, which may enhance the appeal of variable yield products [13] Expert Opinions - Experts suggest that the adjustment in interest rates reflects the need for insurance products to align with market realities, thereby improving pricing strategies and reducing the risk of interest rate mismatches [9][14] - There is a cautionary note regarding potential marketing practices that may exaggerate the impact of interest rate changes, which could mislead consumers [14]