Regulatory authorities release a new version of the negative list for personal insurance, stopping the promotion of low-coverage medical insurance, dividend insurance, and other practices.

According to industry sources, the National Financial Regulatory Administration has recently officially issued the “Negative List of Personal Insurance Products (2026 Edition)” to all life insurance companies. Compared to the previous “Negative List of Personal Insurance Products (2025)” with 103 items, the “Negative List (2026 Edition)” has been slightly expanded to 105 items. Data shows that in 2025, the original insurance premium income of the insurance industry historically surpassed 6 trillion yuan, reaching 6.12 trillion yuan, a year-on-year increase of 7.43%. Among them, the original insurance premium income from personal insurance was 4.65 trillion yuan, a year-on-year increase of 9.05%, becoming the core engine of industry growth. Against the backdrop of continuous industry expansion, phenomena such as product homogenization, responsibility design divergence, and sales misguidance still show signs of resurgence. Industry insiders believe that the issuance of the “Negative List (2026 Edition)” marks that regulatory authorities are guiding the industry to return to its fundamental purpose of protection with higher standards and stricter requirements. (21 Finance)