新一轮保险预定利率即将再下调 保险预定利率告别2.5%时代

Core Viewpoint - The insurance industry is entering a new phase of declining preset interest rates, marking the end of the 2.5% era, with significant adjustments already underway in various companies [1] Group 1: Industry Changes - Tongfang Global Life Insurance has launched a new dividend insurance product, reducing the guaranteed interest rate from the current market mainstream of 2% to 1.5%, initiating the trend of preset interest rate reductions [1] - Several life insurance companies have already phased out their 2.5% preset interest rate products ahead of the third quarter, indicating a broader industry shift [1] - The insurance preset interest rate adjustments are expected to be finalized by July 2025, as the Insurance Association is set to release the latest research values [1] Group 2: Market Trends - Industry insiders anticipate that the preset interest rates for insurance products may be lowered as early as the third quarter of this year [1] - The discontinuation of similar products with a 2.0% preset interest rate by Tongfang Global Life Insurance on June 1 further reflects the ongoing trend of rate reductions [1]