人身险预定利率即将下调 多款产品停售

Core Viewpoint - The insurance industry is undergoing significant changes due to the adjustment of the predetermined interest rates for life insurance products, leading to the suspension of various existing insurance products and a shift towards dividend insurance products as the new market focus [1][2][3]. Group 1: Impact of Interest Rate Adjustment - The predetermined interest rate for ordinary life insurance products has been reduced to 1.99%, down from 2.13%, triggering the suspension of multiple insurance products including critical illness insurance and annuities [1][2]. - Major insurance companies, including Taikang Life and Pacific Insurance, have announced the suspension of over 50 products by August 31, 2023, due to the new interest rate limits [2][3]. Group 2: Shift Towards Dividend Insurance - The adjustment has made dividend insurance products more attractive, as their interest rate reduction is less severe compared to other types, positioning them as the main products for insurance companies moving forward [3][4]. - Analysts predict that the demand for dividend insurance will increase, as it offers a combination of guaranteed and floating returns, making it a competitive alternative to traditional savings accounts [3][5]. Group 3: Future Strategies of Insurance Companies - Several insurance companies are focusing on developing dividend insurance products, with strategies aimed at restructuring their product offerings to emphasize floating and guaranteed coverage [4][5]. - The shift towards dividend insurance is expected to alleviate the cost pressures faced by insurance companies, as the relative attractiveness of these products increases in the current market environment [5].