险企要珍视“人设”

Core Viewpoint - The adjustment of the preset interest rates for insurance products, effective from September 1, 2025, reflects a downward trend in interest rates, which helps insurance companies mitigate interest rate risk and accelerates industry transformation [1] Group 1: Changes in Insurance Product Rates - The maximum preset interest rate for ordinary life insurance products is reduced to 2.0%, for participating insurance products to 1.75%, and for universal insurance products to a minimum guaranteed rate of 1.0%, representing decreases of 50, 25, and 50 basis points respectively [1] Group 2: Shift in Marketing Strategies - Insurance companies are increasingly focusing on participating insurance products, such as participating life insurance and participating health insurance, with a shift in marketing strategies from merely promoting product returns to emphasizing operational and investment capabilities [1][2] - The concept of "human persona" is becoming a core competitive advantage for insurance companies, which must be built on genuine investment performance, operational results, and sincere customer service [1][3] Group 3: Importance of "Human Persona" - The characteristics of participating insurance highlight the necessity of a strong "human persona," as it is essential for establishing trust and long-term value contracts between insurance companies and customers [2][3] - Consumers are increasingly evaluating insurance companies based on their operational stability, regulatory compliance, and service reputation, rather than just product returns [2] - In a low-interest and uncertain economic environment, insurance companies must enhance their value creation capabilities to build a credible "human persona" [2][3]