最后冲刺！人身险产品切换倒计时：代理人、IT员工忙到“飞起” 有平台已推出替换产品

Core Viewpoint - The insurance industry is preparing for a significant shift in product pricing and interest rates, with a transition to a new rate environment expected by August 31, 2025, leading to increased urgency among agents and companies to adjust their offerings [1][2][6]. Group 1: Industry Dynamics - Insurance agents are actively engaging with clients to discuss the implications of the upcoming product rate changes, with many reporting an increase in sales activity as clients seek to secure policies before the adjustments take effect [2][5]. - The transition to a new interest rate environment is prompting insurance companies and sales platforms to prepare for the discontinuation of existing products, with many platforms announcing the removal of numerous insurance products by the end of August [4][6]. - The insurance sector is experiencing a notable increase in large policy sales, with agents reporting significant transactions, including policies with premiums reaching millions [2][5]. Group 2: Product Adjustments - The upcoming shift will see the discontinuation of existing products with a guaranteed interest rate of 2.5%, marking a transition to a new standard of 2.0% [6][7]. - New products are being introduced to adapt to the low-interest-rate environment, with companies like Tongfang Global Life and China United Life launching dividend-type life insurance products with a predetermined rate of 1.5% [6][7]. - Dividend insurance is expected to become the mainstream product following the rate adjustment, as it offers a more attractive return profile compared to traditional fixed-rate products, which are becoming less sustainable in the current market [7][8].