Xinhua Insurance Test water Rate market-oriented Hui Fu bao lock fixed income

Mu Jo/Wen The reform of general life insurance rate has been implemented since August 5, which will give the market and insurance company the pricing power of products. As one of the four major listed insurance companies, Xinhua insurance company adhering to the concept of customer-centric, the first introduction of insurance rate after the market-oriented products-Whifoba insurance.　　The rate marketization provides the opportunity for the insurance company to innovate the product and the service, is advantageous to enhances the insurance company the fund utilization ability, thus enhances the insurance product the benefit level, thus causes more customers to benefit. Through the bank channel sales of "Hui Fuk bao both insurance", Xinhua insurance in the life insurance rate after the introduction of the first independent pricing, customer feedback fixed income insurance products, product benefits once insured can be locked, to avoid fluctuations in risk.　　Besides, what other advantages does "Fu Bao" have? First, the revenue is stable, the product holds a year after the profit can reach 3.5%. As a few listed insurance companies in the domestic life insurance industry, Xinhua's historical investment performance can fully prove its sound investment style. The second is the characteristic of insurance products. In the years since the "money shortage", has made some banks limited loans, cherish loans, which makes other financing channels of concern, such as customers in urgent need of money, can use the hands of the policy to carry out loans. General purchase after 10 days to the insurance company to apply for policy loans, the loan amount is 90% of the cash value of the policy when the loan, and no other collateral, the time is generally complete material after three working days. The protection of insurance products is the most important, and the guarantee of the insured is still valid. Three is the product's safeguard function, it provides the sickness, the specific transportation and the general accidental injury or the body complete disability safeguard.　　In the risk of frequent accidents today, especially for business owners, migrant workers, as well as the survival of the pressure, high pollution of the living environment of the urban family, a reliable guarantee is particularly important. With the full liberalization of insurance investment channels, insurance companies have almost mastered the financial market all the investment instruments, insurance investment yield began to rise steadily. "Fu Bao" is the Xinhua insurance in April this year launched a "select" series of products after the introduction of a new Product guide, "featured" series sold out in less than two months, behind the selling is the scientific and reasonable positioning of its sales-to provide customers with a selection of quality investment assets, for their family management and risk planning of a safe, Sound and long-term investment channels. As a large-scale life insurance company in transition, Xinhua insurance has been implementing the tenet of "customer-centric", the future company will continue to improve the product line and develop more and better products to meet the growing needs of customers.