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针对市场热销的投资连接保险、万能保险、分红保险等人身保险新型产品,中国保监会近期曾发布公告,向消费者阐述上述产品的特征及重要事项,揭示可能存在的风险。公告指出,这些寿险新产品的基本作用是保障功能。同传统寿险产品一样,新产品有一定储蓄性;不同的是投保人获得的回报具有不确定性。拿分红保险来说,其回报率有保证的成分,特点是若保险公司经营成果高于最低保证,投保人可分享盈余。公告还分析,寿险投资、分红类产品回报的不确定性可从多个角度审视。首先,
For the hot-selling investment in the market, insurance, universal insurance, dividend insurance and other new life insurance products, the CIRC has recently issued a public notice to consumers on the characteristics of these products and important issues to reveal the possible risks. The announcement pointed out that the basic role of these new life insurance products is to protect the function. Like traditional life insurance products, new products have some savings; the difference is that the return on the policyholders is uncertain. Take bonus insurance, its return rate is guaranteed components, characterized by insurance companies operating results above the minimum guarantee, policyholders can share the surplus. Notice also analyzed, life insurance investment, dividend returns uncertainties from multiple perspectives. First of all,