互联网保险平台的定期寿险产品，正迎来一轮密集的"换新潮"。 信风注意到，近期蚂蚁保、腾讯微保等主流互联网保险平台上，多款目前在售的热销定期寿险产品即将 密集下架； 这并非单一平台的个别调整，而是一次波及多家险企、多款头部产品的集体行动。 从具体产品来看，阳光人寿的"全民保·定期寿险"、同方全球人寿的"臻爱2026定期寿险"以及"护身福·定 期寿险（鹅民专区版）"均将于2026年2月28日下架； 紧随其后，华贵人寿的"华贵大麦2026"、国富人寿的"国富定海柱7号"也将于3月底在多家平台下架，中 意人寿的"中意擎天柱11号"则在2至3月期间完成更替。 过去几年，为了在互联网渠道博取规模，部分险企在定期寿险定价时使用了较为激进的发生率假设。如 今，在强调高质量发展的行业导向下，险企的定价策略正逐渐回归理性与保守，让保费更真实地反映背 后的风险成本。 这股保费上涨的"换新潮"，大概率将演变为一种不可逆的行业趋势。 其中，2月底下架的阳光人寿与同方全球人寿产品，预计涨价幅度在7%至8%左右，3月底调整的华贵、 国富及中意人寿等产品的预期涨价幅度，也基本落在5%至10%的区间。 定期寿险作为一种杠杆极高、形态相对简单的 ...

Core Viewpoint - The recent VAT policy changes have excluded term life insurance products from tax exemption, leading to increased costs and subsequent price hikes for these products, with many institutions planning to stop selling existing term life insurance by the end of February [1][2]. Group 1: Price Changes and Market Impact - Several insurance companies have announced that certain term life insurance products will be discontinued by February 28, with new products expected to see price increases of 5% to 10% starting in March [2][3]. - For instance, "Zhenai 2026 Term Life Insurance" from Tongfang Global Life will stop selling on February 28, with a price increase of 7% to 8% for the new product [2]. - The price adjustments are primarily driven by the recent tax policy changes, which have imposed a 6% VAT on term life insurance, as these products are not included in the tax exemption list [2][3]. Group 2: Future Market Outlook - Experts believe that the overall market interest rates are likely to remain stable, reducing the chances of widespread price increases for insurance products due to interest rate adjustments [3][4]. - The current VAT-driven price adjustments are seen as structural changes affecting insurance companies' cost and pricing strategies, rather than a direct correlation with investment return assumptions [3][4]. - The likelihood of a significant adjustment in the maximum preset interest rate for ordinary life insurance products is low, given the stability of key reference interest rates [4][5].

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].