实探分红险市场：机构火力全开客户持观望态度

Core Viewpoint - The dividend insurance market is facing challenges despite efforts from insurance companies to promote these products, with overall sales remaining low and consumer acceptance still lacking [1][3][5] Group 1: Market Dynamics - Insurance companies are aggressively promoting dividend insurance products, but consumer awareness and acceptance are still low, leading to a cold market overall [1][3] - In the first quarter, the original insurance premium income for life insurance declined by approximately 1% year-on-year, which may be linked to underwhelming sales of dividend insurance [3] - Some insurance agents report that while certain "internet celebrity" dividend insurance products have seen rapid sales, this is not reflective of the overall market trend [2][3] Group 2: Product Performance - A specific dividend insurance product, backed by stable cash flow assets like REITs and ports, achieved significant sales within a short period, indicating potential for high returns compared to similar products [2] - Major life insurance companies are increasingly focusing on dividend insurance, with significant proportions of new premium income coming from these products, such as 18.2% for Taiping Life Insurance and 51.72% for China Life's floating income business [2] Group 3: Challenges and Recommendations - The market for dividend insurance faces several challenges, including consumer misunderstanding of floating returns, lack of professionalism among agents, and product homogeneity [3][5] - Experts suggest that to promote the development of dividend insurance, insurance companies should enhance product design and agent training, while regulators should provide policy support and consumer education [5] - Consumers are advised to assess their needs carefully when considering dividend insurance, focusing on the insurer's investment performance and historical dividend rates [5]