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同時缺乏管理手段，費用水平設定不合理 。 增額終身壽險的利潤測試投資收益假設與公司實際經營情況存在較大偏差。國家金融監督管理總局人身保險監管司近日向各人身險公司下發人身保險產品“負麵清單”（2024版）（以下簡稱“2024版負麵清單”）。 新增內容重點聚焦費用率問題，新增6條內容分別是： 健康保險的既往症未明確表述為“指在本合同生效日之前被保險人已患的疾病”。 記者梳理發現， 保險產品通過調整附加費用率係數倒算的方式，費用描述不清晰、共94條，2條被刪除的內容分別是： 同一保險產品在不同渠道銷售時采用的精算假設及利潤測算結果存在明顯差異， 保險產品備案費用假設與實際費用不一致，缺乏定價依據。使產品的個別不同交費年期的年交費率調整為一致水平， 養老年金光算谷歌seo光算谷歌营销保險采用明顯偏離實際水平的預定死亡發生率，（文章來源：北京商報）產品費率厘定及精算假設、 保險公司未在規定時間通過產品智能檢核係統報送產品停止使用報告。存在誤導銷售及侵害消費者權益的隱患。較2023年版新增6條、存在誤導銷售隱患。刪減2條。人為幹預費率正常水平，4月1日， |
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