每经记者|涂颖浩 每经编辑|廖 丹 2月28日下架！最近蚂蚁保平台销售的两款定期寿险打出"即将下架"的标签，产品宣传页面称，3月1日起新产品涨价"7%+"，现在买更 划算。 事实上，这并非个例，今年以来定期寿险涨价的消息不断传出。《每日经济新闻》记者注意到，与以往寿险产品切换不同，本轮涨价 产品仅涉及定期寿险这一个险种。 那么，本轮定期寿险涨价的推动因素是什么？对于即将涨价的定期寿险，消费者需要赶在停售前购买或加购吗？ 多款热销定期寿险将停售 视觉中国图 近期，定期寿险掀起一轮停售潮。据业内发布的停售通知，多款热销定期寿险将于2月至3月停售，后续新上线的定期寿险整体费率预 计上调5%至10%。 有保险业内人士在与记者交流时提到，这是一轮定期寿险的普涨，各家公司选择的时间点不同，但迟早都要涨。 定期寿险，简单来说就是保一段时间的寿险——用很便宜的保费，买到很高的身故/全残保额，主要用来防范家庭顶梁柱突然出事，家 庭经济直接断档的风险。 慧择保险经纪保险产品总监叶鹏程在受访时介绍称，定期寿险是一个极具代表性的身价高杠杆寿险产品品类，产品责任极其简洁，核 心责任是保障因为各类风险（比如意外、疾病等）导致的身故赔付， ...

Core Viewpoint - The recent trend in the insurance industry indicates a significant price increase in term life insurance products, with a projected rise of 5% to 10% for new offerings starting March 1, 2023, prompting consumers to purchase before the price hike [4][6][19]. Group 1: Price Increase and Market Dynamics - Multiple popular term life insurance products are set to be discontinued between February and March, leading to a general price increase across the board for term life insurance [4][13]. - The price increase is attributed to various factors, including adjustments in mortality tables, changes in tax policies, and rising claims rates, which collectively necessitate a reevaluation of premium pricing [6][16][18]. - The new mortality table, effective January 1, 2026, will directly impact the pricing of term life insurance, particularly affecting younger and high-coverage policyholders [6][16]. Group 2: Consumer Behavior and Recommendations - Consumers are advised to consider purchasing existing term life insurance products before the price increase, as the current offerings provide better value compared to future products [19][20]. - The target demographic for term life insurance primarily includes young families and individuals with mortgage obligations, who benefit from the high leverage and low cost of these policies [5][14]. - Insurance experts recommend that young consumers who have not yet purchased term life insurance should act quickly to secure favorable rates and coverage terms before the anticipated price adjustments [19][20]. Group 3: Industry Insights and Future Outlook - The rise in claims rates reflects broader trends in the insurance market, where the sustainability of low premium, high coverage models is increasingly challenged [7][17]. - The adjustments in pricing and product offerings may lead to a permanent increase in term life insurance costs, suggesting a shift in the market landscape [9][18]. - The insurance industry is experiencing a shift towards more stringent pricing models, which may affect the availability and terms of future insurance products [6][16].