<Anchor> When



interest rates rise, the burden on consumers will inevitably increase as well, but in some cases it is helpful to consumers. Some insurance companies are starting to lower the premiums for comprehensive insurance or children's insurance.



It seems that other insurance companies will follow one by one, and how this is possible, reporter Jeon Yeon-nam tells you.



<Reporter>



Insurance companies raised premiums for comprehensive insurance for two consecutive years until last year.



After receiving insurance premiums from subscribers and investing here and there, the money earned is used to pay insurance money later.



However, as the base interest rate has risen by 0.75% in the past five months, voices are coming out that insurance premiums should be lowered.



[Bae Hong/Director of Insurance Bureau of the Financial Consumers Federation: Actual loss premiums are also rising, so in order to reduce the burden on insurance subscribers, it is not appropriate to lower the premiums again (I think.)]



In fact, earlier this month, some insurance companies I lowered my insurance premium.



DB and Nonghyup Non-Life Insurance increased the expected rate of return and expected interest rate by 0.25% by managing the premiums received from subscribers.



In general, a 0.25% increase in the expected interest rate has the effect of lowering insurance premiums by up to 7%.



[Seo Ji-yong/Professor of Business Administration, Sangmyung University: Especially in the case of savings products, they are linked with interest rates.

The higher the interest rate, the higher the operating income, so of course, you can ask for a lower insurance premium...

.] The



insurance industry usually changes the expected interest rate in April every year, and as these two companies take the lead in lowering premiums, it is highly likely that other insurers will follow suit.



At the same time, the demand for lower premiums for auto insurance is growing as it achieved a surplus for the first time in four years last year.



(Video editing: Kim Jun-hee)

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