近六成万能险最新结算利率不足3%

Core Viewpoint - The median settlement interest rate for universal life insurance products has decreased to 2.75% in April, with expectations for further declines in the future due to regulatory tightening and lower investment returns [1][2][3]. Settlement Interest Rate Decline - As of April, 748 universal life insurance products reported settlement interest rates, with the highest at 3.5% for 21 products. 41.4% of these products have rates above 3%, while 58.6% are below 3% [2]. - Historical data shows a downward trend in both the median and arithmetic average settlement interest rates compared to previous years [2]. Premium Income Decline - The "new policyholder investment funds" for universal life insurance in Q1 amounted to 260.5 billion, a 7.8% decrease from the previous year [4]. - Factors affecting sales include the decline in guaranteed and actual settlement rates, as well as stricter regulatory policies [4]. - The upcoming regulatory changes will lower the maximum guaranteed interest rate for new universal life insurance products to 1.5% starting October 1, 2024 [4]. Future Outlook - Short-term projections indicate a continued decline in universal life insurance premiums, with no immediate positive factors for growth [5]. - Long-term, universal life insurance will remain a significant product for insurance companies, necessitating structural reforms and improved communication with consumers to ensure sustainable growth [5].