预定利率下调 人身险产品批量停售在即

Core Insights - The China Insurance Industry Association has announced a new standard for the guaranteed interest rate for ordinary life insurance products at 1.99%, leading to a mandatory adjustment of new product rates by insurance companies [1] - Several life insurance companies will reduce the guaranteed interest rates for their products starting September 1, with ordinary life insurance rates dropping from 2.5% to 2.0%, participating insurance rates from 2.0% to 1.75%, and universal insurance rates from 1.5% to 1% [1] - A significant number of insurance products are being discontinued, with many expected to be taken off the market by August 31, including critical illness insurance, disability insurance, accident insurance, term life insurance, increasing whole life insurance, annuities, and participating insurance [1] Group 1 - The adjustment in guaranteed interest rates directly impacts insurance pricing and policy benefits, typically resulting in higher product prices or lower returns for consumers [1] - Waterdrop Insurance Brokerage is actively communicating with insurance companies to adjust product strategies and ensure a smooth transition between old and new products, while also preparing for the launch of new products [2] - Waterdrop has developed a special service plan to provide clear and timely consultation for users regarding discontinued products and insurance inquiries, ensuring user rights and enhancing service experience [2] Group 2 - Waterdrop is focused on enriching user protection service experiences by establishing a membership system with four categories and ten levels, offering a variety of member benefits [2] - The company has curated three major service resources, totaling over 30 benefits, covering health management services, expedited medical services, and high-end customized services to meet diverse customer needs [2] - Industry experts advise consumers to consider their actual needs, willingness to insure, family protection requirements, and economic situation when contemplating insurance purchases [2]