Core Viewpoint - The 2024 dividend realization rates for participating insurance products have significantly improved, with many products exceeding 100%, contrasting sharply with the 25%-50% range seen in 2023 [1][3][4] Group 1: Dividend Realization Rates - Multiple insurance products have reported dividend realization rates exceeding 100%, including seven products from New China Life, four from Dadi Pension, and 17 from Sunshine Life [3][4] - The improvement in dividend realization rates is attributed to a strong performance in the capital markets in the second half of 2024 and regulatory changes that have relaxed previous restrictions [4][7] Group 2: Understanding Dividend Realization - Dividend realization rate is a relative measure, indicating the actual dividends paid to policyholders compared to projected dividends, with a rate of 100% meaning actual payouts match projections [5][6] - The introduction of new participating insurance products with a predetermined interest rate of 2.0% has made it easier for these products to achieve realization rates above 100% [5][6] Group 3: Regulatory Changes - Recent regulatory changes have provided more flexibility for insurance companies in setting dividend levels, while also imposing conditions to prevent arbitrary increases [7][8] - The new regulations aim to enhance the sustainable operation of participating insurance products and protect consumer rights, allowing well-performing companies to have greater autonomy in setting dividend levels [7][8]
首批分红实现率出炉!较去年提升明显,分红险春天来了?上车否?
Bei Jing Shang Bao·2025-07-15 13:15