Life insurance, pension insurance gave less ... After investigating the FSS

[Korea gimmingyeong financial newspaper reporter] gotta have a life insurance company raises suspicion that the insurance paid less pension insurance financial authorities embarked on this investigation.

According to the insurance industry on the 14th FSS life insurance companies are required to submit the relevant data to ensure that the less one pays a dividend of pension insurance and insurance sales from mid-1990 to 2003.

Financial authorities have to be applied over the expected dividend rate on reserves since 2003. Since 1997, the pension insurance regulations are going to change the insurer to apply the interest rate autonomously in question is participating products sold in the mid-1990s to 2003.

Insurers can receive additional payments by the consumers interest because even catch a car dividend rate haedu I secured a dividend reserve, the reserve for dividend pay dividends at the time of the pension commencement.

But low interest rates to move into asset management yields of primary insurers fell dividend rate was a problem as negative. Insurers are applying negative interest rates low priced car dividend yields than expected dividend rate on reserves. For example, if the expected rate of 7% is a way of applying the interest rate of 4% out of the car dividend yield 3%.

But I saw that the FSS reserves to pay dividends to consumers as insurers are going to rate the original promise even saw a negative margin. FSS is reportedly Spiral check each life insurance claims based on documents in the wake of a suicide crisis situation and in fact found such understanding.

1990 sold the annuity insurers, Samsung Life Insurance, Hanwha Life, Kyobo Life, including a six, Allianz Life, Hungkuk life, KDB life. Only two of the Hanwha Life and Allianz Life that has turned out to be paid as scheduled, the rate of return on the asset management also applies to the dividend reserve fallen below the expected rate interest rate.

FSS plans if it is determined that there is a problem after the survey data submitted by each insurance company conducted a site inspection insurers.



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