刚通知两小时就下架，2.0%分红险上演“闪电停售”

Core Viewpoint - The insurance market is experiencing a wave of product suspensions ahead of the upcoming adjustment in predetermined interest rates, with significant implications for sales dynamics and consumer behavior [1][2][4]. Group 1: Product Suspension - Several insurance companies have rapidly suspended existing products, with some notifications given only two hours in advance, raising concerns in the market [2][4]. - A specific dividend-type endowment life insurance product with a guaranteed interest rate of 2.0% was abruptly taken off the market on August 5, 2023, just two hours after the notice was issued [1][2]. - The suspension affects various types of life insurance products, including critical illness insurance and endowment insurance, with many products marked for potential immediate suspension [2][4]. Group 2: Rate Adjustment and Market Response - The China Insurance Industry Association announced a predetermined interest rate of 1.99% on July 25, triggering a mechanism for adjusting life insurance rates and products [1]. - The maximum predetermined rates for different product types will be adjusted to 2.0% for ordinary and dividend-type products, 1.75% for universal products, and 1.0% for others, effective August 31 [1][9]. - The current market sentiment indicates that the demand for life insurance products has been exhausted due to previous "suspension speculation," leading to a muted response to the recent product suspensions [4][8]. Group 3: Product Popularity and Consumer Behavior - Dividend-type endowment life insurance has gained popularity in a declining interest rate environment, outperforming traditional products in sales rankings [5][6]. - The competitive edge of dividend-type products lies in their potential for higher returns beyond the guaranteed interest, appealing to consumers seeking both protection and investment [6][9]. - The sales dynamics are shifting, with insurance companies needing to adapt their sales strategies and agent training to align with the changing product landscape and consumer expectations [10]. Group 4: Future Outlook - The insurance industry is expected to see continued growth in dividend-type products as they offer a combination of protection and potential returns, especially in a low-interest-rate environment [8][9]. - The non-symmetric adjustment of interest rates, where dividend products see a smaller reduction compared to traditional products, enhances their market competitiveness [9]. - The overall insurance premium income is projected to maintain a growth trajectory, with significant increases noted in the first half of 2025 [8].