平安人寿孙汉杰:分红险成保险行业发展趋势,平滑机制相当于“蓄水池”

券商中国
Nov 09, 2025

人身险预定利率已连续三年下调,而分红险由于下调幅度较普通型产品更小,加上保证收益的基础上还有浮动收益的弹性空间,成为各大险企重点发力的品种。平安人寿总经理助理及总精算师孙汉杰表示,各家险企分红险的核心差异是分红账户投资策略、投资能力、分红水平,以及养老医疗等增值服务价值。平安投资团队建立了“战术仓、情景仓、战略仓”的组合管理框架,兼顾短、中、长期的投资目标,同时深化搭建“好团队、好策略、好项目、好...

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