保险预定利率持续下调，要赶末班车吗？

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 rate caps, indicating a significant change in pricing and consumer returns [1][3]. Group 1: Impact of Interest Rate Adjustment - The preset interest rate, which reflects the assumed annual return for policyholders, has been lowered, affecting the pricing of insurance products and potentially increasing costs for consumers [3][4]. - Major insurance companies, including China Life, Ping An, and China Pacific Insurance, have collectively reduced the upper limit of preset interest rates for various products, with traditional insurance rates dropping from 2.5% to 2.0%, and other products seeing similar reductions [1][3]. Group 2: Consumer Considerations - Consumers are concerned about potential price increases for insurance products due to the lower preset interest rates, which could lead to higher premiums for the same coverage [4][5]. - It is advised that consumers assess their insurance needs—whether for protection or savings—before making purchasing decisions, as the impact of the interest rate change varies by product type [5][6].