---
title: "The top ten products with the highest surrender rates, including Manulife Sinochem Critical Illness Insurance, Fosun Pramerica High School Education Gold Whole Life Insurance, and HSBC Wealth Treasure Whole Life Insurance Deluxe Edition, made the list"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/208471659.md"
description: "The top ten products with the highest surrender rates involve products such as Ruihua Xiangrui Bao critical illness insurance, Fosun Bao Dexin additional high school education endowment insurance, and HSBC Huicai Bao comprehensive insurance distinguished edition. A high surrender rate may indicate insufficient product competitiveness or a decrease in market confidence, prompting the company to review product design and service quality. Surrenders can impact the company's cash flow tightness and may also affect daily operations and solvency. Insurance companies should take measures to stabilize customer base and market position"
datetime: "2024-07-10T12:24:18.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/208471659.md)
  - [en](https://longbridge.com/en/news/208471659.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/208471659.md)
---

> Supported Languages: [简体中文](https://longbridge.com/zh-CN/news/208471659.md) | [繁體中文](https://longbridge.com/zh-HK/news/208471659.md)


# The top ten products with the highest surrender rates, including Manulife Sinochem Critical Illness Insurance, Fosun Pramerica High School Education Gold Whole Life Insurance, and HSBC Wealth Treasure Whole Life Insurance Deluxe Edition, made the list

A large number of insurance policy surrenders will lead to tight cash flow for the company, affecting daily operations and solvency. At the same time, a high surrender rate also reflects insufficient product competitiveness or declining market confidence, which requires the company to review product design and service quality, and take measures to stabilize customer base and market position.

The top 20 products with the highest surrender rates in the first quarter of 2024 are:

Company Name

Product Name

Surrender Rate

Taikang Pension

Taikang Additional Group Lifetime Specific Disease Insurance Daily Payment

1703.39%

Ruihua Health

Ruihua Xiangrui Insurance Regular Major Disease Insurance (Internet)

836.41%

Dehua Angu

Dehua Angu Pillar Major Disease Insurance (Internet)

471.56%

Ping An Life

Ping An Millennium Red Whole Life Insurance (Participating, D, 2004)

167.27%

Taikang Life

Taikang Zunyue Life Annuity Insurance

132.85%

Fosun Prudential

Fosun Prudential Additional High School Education Whole Life Insurance

100%

Zhonghe Life

Zhonghe Enjoy Care Insurance

99.51%

China Merchants Cigna

China Merchants Cigna Steady Profit Five-Year Whole Life Insurance (Participating)

98.72%

Taiping Life

Taiping Shengshi Yuanhang Lifetime Life Insurance (Universal)

96.10%

Ruitai Life

Tai Wealth Engineering Wealth Life Investment Linked Insurance (Elite Plan)

90%

HSBC Life

HSBC Wealth Treasure Whole Life Insurance Prestige Edition (Investment Linked)

88.32%

Li An Life

Group Pension Insurance (Participating)

74.16%

PICC Life

PICC Jinding Fugui Whole Life Insurance (Participating)(D Edition)

72.10%

Changsheng Life

Changsheng Fuzhizun Major Disease Insurance

62.92%

Dingcheng Life

Dingcheng Additional Multiple Payment Major Disease Insurance (A Edition)

59.99%

Zhonghong Life

Zhonghong Additional "Hui Xuan" Term Life Insurance

59.87%

Peking University Founder Life

Yueliang Life Annuity Insurance

55.98%

Junlong Life

Junlong Additional Good Peace of Mind Cancer Insurance

48.40%

Fosun United Health

Yingkang Group Care Insurance

48.02%

Lujiazui Guotai

Lujiazui Guotai Shunyi Life Lifetime Life Insurance

44.80%

Keyword Reading: Xiangrui Insurance Major Disease Insurance

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