保险预定利率下调潮起，1.5%新锚点下，市场何去何从

Core Viewpoint - The adjustment of insurance preset interest rates is accelerating due to the dual impact of a low interest rate environment and regulatory guidance, with Tongfang Global Life Insurance being the first to lower its preset interest rate to 1.5%, significantly below the market average of 2% [1][4][6] Group 1: Industry Trends - The recent adjustment by Tongfang Global Life is seen as a signal for the industry, indicating a potential shift in market dynamics as joint ventures often sense market trends earlier due to their shareholder backgrounds and investment strategies [3][6] - Many insurance companies are preparing to respond to the pressure of switching products due to declining market interest rates, with some already planning to discontinue existing products [6][8] - The introduction of a preset interest rate linked to market rates is expected to lead to more products with lower preset rates being launched in the near future [7][8] Group 2: Product Details - Tongfang Global Life's new products, including the "Xinxing Shengshi" whole life insurance with a preset interest rate of 1.5%, offer lifelong death and total disability coverage, with cash value growing over time [4][5] - The preset interest rate serves as a cap on the guaranteed cash value returns, with the current adjustment indicating a shift towards lower guaranteed returns and higher floating returns [5][6] - The expected decline in preset interest rates is likely to benefit products like participating insurance, health insurance, and pension insurance, as they can share operational results with policyholders [8][9] Group 3: Consumer Impact - The adjustment in preset interest rates will make long-term insurance premiums and returns more sensitive, potentially leading to higher premiums for long-term protection products and lower guaranteed returns for savings-type products [5][6] - Consumers are advised to focus on their financial planning needs when selecting insurance products, rather than being overly concerned with minor fluctuations in interest rates [9][10] - The insurance market still holds advantages over other financial products, as long-term insurance preset rates remain higher than bank deposit rates, and many products offer additional uncertain dividends [8][9]