保险预定利率持续下调，要赶末班车吗？｜探险

Core Viewpoint - The recent adjustment of the insurance preset interest rate to 1.99% has triggered a shift in the insurance market, with major companies lowering their product interest rates, leading to potential price increases for consumers [1][3]. Group 1: Impact of Interest Rate Adjustment - The preset interest rate, which reflects the expected annual return for policyholders, has been lowered by major insurers, including China Life, Ping An, and China Pacific Insurance, affecting various product categories [1][3]. - The adjustment is a response to regulatory changes linking preset interest rates to market rates, such as the Loan Prime Rate (LPR) and deposit rates, following a decline in both lending and deposit rates earlier this year [3][4]. - The decrease in preset interest rates is expected to increase the cost of insurance products, particularly for traditional life insurance, annuities, and whole life policies, as lower rates lead to higher premiums for the same coverage [4]. Group 2: Consumer Considerations - Consumers are advised to assess their insurance needs carefully, distinguishing between protection-oriented products (like critical illness and health insurance) and savings-oriented products (like annuities) [5][6]. - For those with protection needs, slight premium increases should not deter purchasing, as waiting may lead to higher costs due to age-related risk increases [5][6]. - For savings-oriented consumers, despite the rate drop, insurance products still offer long-term advantages, such as stable cash flow from annuities and flexibility in accessing funds from whole life policies [5][6].