Core Viewpoint - The implementation of the dynamic adjustment mechanism for the predetermined interest rate in the life insurance industry allows for a longer period for the market to establish and digest the expectation of interest rate reductions, leading to more rational consumer purchasing behavior and a healthier insurance market [2][6]. Group 1: Product Switching and Sales Dynamics - Insurance companies are required to complete the transition from old to new products by the end of August, with a focus on meeting sales targets before the old products are phased out [2][3]. - Insurance marketing agents are actively engaging with clients to maximize sales during this transition period, indicating a strong demand for insurance products [3]. - The adjustment in predetermined interest rates is expected to lead to an increase in insurance premiums, prompting consumers to purchase products before the switch [4]. Group 2: Impact of Interest Rate Adjustments - The predetermined interest rate for ordinary life insurance products has been reduced to 1.99%, a decrease of 14 basis points, triggering the dynamic adjustment mechanism [3]. - The reduction in interest rates will result in varying increases in gross premiums for different insurance products, with traditional insurance seeing increases of up to 20.8% [4]. - Companies are preparing for further adjustments, with some anticipating a potential additional reduction in the predetermined interest rate for dividend insurance products in the fourth quarter [5]. Group 3: Market Trends and Consumer Guidance - The dynamic adjustment mechanism is expected to lead to a more rational purchasing behavior among consumers and a shift in the competitive landscape of insurance companies towards enhancing service and digital experiences [6]. - The trend towards dividend insurance is seen as beneficial for balancing the interests of insurance companies and clients, with a projected increase in the share of new business [6]. - Consumers are advised to carefully evaluate the strength of insurance companies and the flexibility of policy terms when purchasing insurance during the product switching period [7].
预定利率调降带动保险产品切换 销售“争分夺秒” 险企“游刃有余”
Shang Hai Zheng Quan Bao·2025-07-31 18:08