According to Article 4 of the "Regulations on Reporting Personal Matters by Leading Cadres" issued by the General Office of the CPC Central Committee and the State Council, leading cadres shall report "the situation of their own, their spouse, and their children who live together invest or hold stocks, funds, investment insurance, etc. in other ways." Regarding insurance, because only "investment insurance" is required, it is difficult to distinguish it for leading cadres who are not familiar with financial products.
The "Regulations" clearly state that investment insurance "refers to insurance products with dual functions of protection and investment, including personal insurance investment insurance and property insurance investment insurance". According to a "Personal Matters Report Form for Leading Cadres" circulating online, the note states that "property insurance investment insurance" can be checked on the Insurance Association's website for comparison. "personal insurance investment insurance" refers to insurance products with the words "both insurance", "annuity insurance", "investment-linked", "universal" and other insurance products in the product name.
Therefore, the first step to solve the problem is to distinguish whether you are insured by property insurance or personal insurance and understand the standard name of insurance. The China Insurance Industry Association has provided a public account called "China Insurance Pepsi". After real-name authentication, you can check all insurance policies held in your name, and then follow the filling instructions to check.
It should be noted that "has the dual functions of protection and investment" is not a very clear definition. Theoretically, except for the payment conditions of "the insured person has an insurance accident", any insurance product that allows for the insurance premium to be received before the insurance is taken or the insurance is refunded in the middle and the return amount is greater than the premium investment after the insurance is refunded. However, at present, some lifetime life insurance products that can receive insurance premiums in advance are not within the scope of declaration according to the filling instructions. Therefore, leading cadres who insure such insurance should pay attention to changes in the reporting requirements at any time to avoid missed reporting.
In addition, the so-called "investment or holding investment insurance in other ways" refers to the situation where the person, spouse, and children living together are "insured persons", because the rights and interests of the "guarantee function" part of the general insurance product belong to the "beneficiary", and the rights and interests of the "investment function" part (i.e., receiving insurance premiums in advance, surrender, etc.) are controlled by the "guarantee".
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