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2013年以来,寿险短期高现金价值产品热销,呈现以下特点:产品多样化,有分红险也有万能险;销售主体增多,新老公司纷纷参与;产品销售由银保渠道扩展到保险营销渠道;持续销量越来越大,热销愈演愈烈。引起了业界多方关注。短期高现金价值产品热销的原因一、保险公司有需求一是究其恨源,是对现金流的追逐。寿险业务的巨大现金流吸引了众多投资者。在新型寿险产品大量销售与银保渠道开发情况下,寿险行业资金融通的优势更加凸显,市场主体快速增加,投资型业务快速发展,行业资金规模和流动速度不断上升,寿险公司在原有新
Since 2013, the sales of short-term high cash value products of life insurance have the following characteristics: product diversification, dividend insurance and universal insurance; the main sales entities have increased; new and old companies have participated in the sales; product sales have expanded from bank insurance channels to insurance marketing channels; Continue to sell more and more, selling intensified. Aroused much attention of the industry. Short-term high-cash value products selling reasons First, the demand for insurance companies First, investigate their hate source, is the pursuit of cash flow. The huge cash flow of the life insurance business has attracted many investors. Under the condition of large sales of new life insurance products and the development of bancassurance channels, the advantages of financial intermediation in the life insurance industry have become even more prominent. The market players have been rapidly increasing. The rapid growth of investment-oriented businesses has led to an increase in the size and flow of capital in the industry. Life insurance companies,