保险产品预定利率调整进行时：百款产品下架 代理人冲业绩已白热化 但“利率反转”或加剧新产品销售难度

Core Viewpoint - The insurance industry is undergoing a significant transition with the adjustment of product reservation rates, leading to a wave of product replacements and heightened consumer activity as the deadline approaches for old products to be phased out [1][3][4]. Group 1: Product Changes and Market Reactions - Many insurance companies are switching products, with numerous old products being taken off the shelves starting August 26, and the transition is expected to be completed by August 31 [1][3]. - The new insurance products will see a collective price increase, with ordinary insurance rates dropping from 2.5% to 2.0%, resulting in an estimated 13% increase for adult critical illness insurance and up to 29% for children's insurance [3][4]. - The adjustment of the reservation rates signifies the official entry of the insurance industry into the "2.0 era," prompting agents to intensify their sales efforts during this transition period [3][4]. Group 2: Consumer Behavior and Sentiment - Consumer sentiment has stabilized despite the frequent adjustments in insurance product rates over the past two years, with many consumers not impulsively participating in the "buy before the stop" trend [2][8]. - Existing customers are more likely to increase their coverage or purchase new insurance products during the transition, while those who were previously hesitant are not significantly influenced by the rate changes [8][9]. - The focus for marketing efforts is on existing customers and those who have previously shown interest in insurance products, particularly critical illness insurance [8][9]. Group 3: Industry Challenges and Strategic Adjustments - The downward adjustment of reservation rates is expected to complicate the sales of new policies, as lower guaranteed rates may diminish product attractiveness [2][9]. - Insurance companies are urged to optimize their product structures, emphasizing stronger protection features rather than relying solely on investment returns [2][9]. - The industry is facing common challenges due to declining long-term interest rates and the need to return to the core of insurance protection, prompting a shift towards more sustainable business practices [9][10]. Group 4: Future Outlook and Recommendations - The future of the insurance market may see a shift towards dividend insurance products, which can better manage liabilities and offer flexible returns based on investment performance [10][11]. - Companies are encouraged to innovate in product offerings, enhance service quality, and improve operational efficiency to maintain a balance between scale and value in a low-interest-rate environment [11].