保险公司偿付能力监管规则第3号：寿险合同负债评估（2021年） 一、

一、 产品退保率假设（以保单件数为计算基础）：

账户 渠道 缴别 1 2 3 4 5 6-10 11+

传统

个险 趸交 2%~5% 2%~5% 2%~4% 2%~3% 2%~3% 2%~3% 2%~3%

个险 期交

10%~20

%

6%~10% 5%~8% 4%~5% 3%~5% 3%~5% 2%~5%

银保 趸交 2%~5% 2%~5% 2%~5% 2%~5% 2%~5% 2%~5% 2%~5%

银保 期交 8%~20% 5%~10% 4%~6% 3%~5% 3%~5% 2%~5% 2%~5%

分红

个险 趸交 2%~5% 2%~5% 2%~5% 2%~5% 2%~5% 2%~4% 2%~3%

个险 期交

10%~20

%

5%~10% 4%~8% 4%~5% 3%~5% 3%~5% 2%~5%

银保 趸交 2%~5% 2%~5% 2%~5% 2%~5% 2%~5% 2%~5% 2%~5%

银保 期交 8%~16% 5%~8% 3%~6% 3%~5% 3%~5% 2%~5% 2%~5%

万能

个险 趸交 3%~15% 3%~15% 3%~15% 3%~15% 3%~15% 3%~15% 3%~10%

个险 期交 5%~20% 5%~10% 4%~8% 4%~8% 4%~8% 4%~8% 3%~7%

银保 趸交 2%~8% 3%~6% 3%~8% 3%~15% 3%~15% 3%~25% 3%~25%

银保 期交 5%~15% 4%~10% 4%~8% 4%~8% 3%~8% 3%~8% 3%~8%

投连

个险 趸交 5%~10% 5%~10% 5%~10% 5%~10% 5%~10% 10%~15% 10%~15%

个险 期交 5%~10% 5%~10% 5%~8% 5%~8% 5%~8% 5%~8% 5%~6%

银保 趸交 5%~15% 5%~15% 5%~15% 5%~15% 5%~15% 10%~20% 10%~20%

银保 期交 5%~20% 5%~15% 5%~15% 5%~15% 5%~15% 5%~15% 5%~15%