保险“炒停售”变淡了

Group 1 - The current research value for the guaranteed interest rate of ordinary life insurance products has been officially lowered to 1.99%, a decrease of 14 basis points, marking the first trigger of the dynamic adjustment mechanism since its establishment [1] - The decline in the "炒停售" phenomenon indicates a more rational consumer behavior and a more regulated insurance market, pushing insurance companies to focus on high-quality development and better understand consumer needs [2] - The demand for insurance has become more diversified and personalized, with consumers shifting their focus from product yield to aspects such as term structure, underlying assets, coverage, and accompanying services [2] Group 2 - Insurance companies need to abandon the "scale-only" and "short-term quick" development philosophies, returning to a customer-centric approach by innovating products and services based on different demographics and scenarios [3] - Insurance agents should adopt a long-term companionship philosophy, continuously enhancing their professionalism and skills to provide comprehensive lifecycle services to clients [3] - The current low interest rate and longevity era presents a significant opportunity for the insurance industry to serve as a crucial financial tool for risk protection, wealth management, retirement, and inheritance [2]