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 ...

Core Viewpoint - The phenomenon of "deposit migration" is increasing as deposit rates continue to decline, leading consumers to seek higher returns through insurance products, particularly universal life insurance with attractive interest rates. However, recent restrictions on additional premium payments have raised uncertainties for consumers [1][2][3]. Group 1: Consumer Experiences - A consumer reported that after purchasing a universal life insurance product from 瑞众保险, they were unable to make additional premium payments as the account had been suspended [1][2]. - 瑞众保险 announced in April that it would suspend additional premium payments for 10 universal life insurance products, including the "华夏金管家终身寿险," effective from April 26, 2025, citing the need to ensure stable operations of these accounts [2][3]. Group 2: Regulatory and Market Context - The insurance industry has faced significant pressure due to rapidly declining interest rates, prompting companies to limit additional premium payments to manage high-cost liabilities and stabilize account growth [4][5]. - New regulations from the financial regulatory authority require insurance companies to clearly outline the conditions for additional premium payments in product terms, ensuring that existing contracts remain valid despite regulatory changes [5]. Group 3: Industry Practices and Misleading Sales - There have been instances of misleading sales practices in the insurance industry, where sales personnel emphasized the ability to make unlimited additional premium payments, leading to consumer confusion and dissatisfaction when these options were restricted [4]. - Legal experts noted that the terms of universal life insurance contracts typically require approval from the insurance company for additional premium payments, which may not align with consumer expectations [3][4].

Core Viewpoint - The article discusses the phenomenon of "deposit migration" due to declining deposit rates, highlighting consumer dissatisfaction with insurance products that promise fixed interest rates but have recently restricted additional premium payments [1][3][11]. Group 1: Consumer Issues - Consumers have reported being unable to add funds to their insurance-linked savings accounts, which were initially marketed with a guaranteed interest rate of at least 3.0% [3][4]. - Complaints have arisen from consumers who feel misled when insurance companies restrict additional premium payments, leading to demands for refunds and compensation [4][5]. - The inability to add premiums is not isolated to individual cases but is a systemic issue affecting multiple products offered by the insurance company [5][11]. Group 2: Company Policies - The insurance company, 瑞众保险, announced a suspension of additional premium payments for certain products, including those with a guaranteed interest rate of 3% or higher, effective April 26, 2025 [5][11]. - The company stated that the decision to halt additional premium payments is a broad measure aimed at stabilizing the operation of its products amid declining interest rates [11][13]. - The company has not responded to media inquiries regarding the suspension of premium additions, indicating a lack of communication with consumers [6]. Group 3: Regulatory Environment - New regulations from the financial regulatory authority require insurance companies to clearly define the conditions for additional premium payments in their product terms to prevent sales misrepresentation [13][14]. - The regulations also mandate that insurance sales personnel undergo specialized training to ensure they provide accurate information about product features, including the limitations on premium additions [13][14]. - The regulatory changes aim to shift the focus of insurance companies from volume-driven sales to value-driven offerings, emphasizing the balance between protection and stable returns [13][14].