七成万能险结算利率不足3%，低利率下“吸睛”靠什么

Core Viewpoint - The universal insurance market is experiencing a downward trend in settlement interest rates, with regulatory changes pushing for market transformation and stricter compliance requirements [1][5][6]. Group 1: Settlement Interest Rates - In August, 216 universal insurance products reported settlement interest rates, with the highest at 3.5% and most between 2.5% and 3.0% [1][4]. - The proportion of products with settlement rates below 3% has increased to 70%, up from 60% in July, indicating a significant decline in overall rates [4][5]. - The decline in settlement rates is attributed to lower bank deposit rates and potential interest margin risks faced by insurance companies [4][5]. Group 2: Regulatory Changes - The new regulatory framework, effective from May 1, allows insurance companies to adjust the minimum guaranteed interest rates for universal insurance, which could lead to both increases and decreases in rates [6][7]. - The regulations aim to enhance asset-liability management and protect customer interests, emphasizing the need for insurance companies to innovate and adapt their product offerings [7][8]. Group 3: Market Response and Product Design - Industry experts suggest that the focus should shift from high-yield competition to long-term value competition, encouraging consumers to prioritize the essence of insurance and risk management [8]. - Companies are advised to enhance investor education and utilize visual tools to demonstrate potential returns under different interest rate scenarios, thereby managing customer expectations [8].