삼성생명, '1200%룰' 확대 만전…CSM에 무게추 단다

Samsung Life's shift toward profitability and health insurance reflects the life insurance industry's transition to a regulation-driven competitive model. As the 1200% Rule expands and new regulatory measures take effect, insurers are moving away from aggressive commission competition toward CSM-focused, cost-controlled strategies. This restructuring demonstrates how regulatory frameworks are fundamentally reshaping industry practices from volume-driven growth to long-term profitability.