寿险保费复苏背后：预定利率下调在即，销售端如何啃下分红险“硬骨头”

Group 1 - The core viewpoint of the articles highlights a significant recovery in life insurance premium growth, driven by the launch of dividend insurance products and channel transformation, with a 16.8% year-on-year increase in April premiums [2][3] - The life insurance industry has seen a turnaround in premium growth for the first four months of the year, achieving a 1.3% increase compared to a 0.3% decline in the first three months, largely due to the introduction of new products and improved distribution channels [3][4] - Despite the positive growth, challenges remain in sales, particularly with the low acceptance of new dividend insurance products and a general decline in consumer spending willingness [2][4] Group 2 - The industry is expected to shift towards floating income products due to pressure from interest rate spreads, with many insurance companies indicating a transition to a business structure focused on these products [4][8] - The anticipated reduction in the preset interest rate for life insurance products, linked to declining market interest rates, is expected to improve the value of new policies and reduce cost pressures for insurance companies [6][7] - Insurance companies are preparing for this shift by designing new products and enhancing training for agents to better explain complex insurance products like dividend and investment-linked insurance [4][5][6] Group 3 - The market is witnessing a gradual increase in the acceptance of dividend insurance, supported by banks lowering deposit rates, which enhances the attractiveness of insurance products [8] - To address sales challenges, insurance companies need to improve asset-liability management and enhance the differentiation of their products, focusing on protection attributes and creating a competitive ecosystem in areas like health and wealth management [9]