ANBOUND's scholars are of the view that as the Chinese insurance companies ventured into the real estate industry and other real industries, the subsequent use of "universal life insurance" to attract fund, followed by the high risk equity investment are changing the nation’s insurance industry into an industry with rapidly rising risk.

This is the financial risk that China should prevent. If the regulatory institutions do not take immediate actions to change the business model of the insurance industry, this will eventually lead to the bigger financial risk in China’s insurance industry.