分红实现率大比拼！不同险企、新老产品大不同，谁更优秀

Core Insights - The continuous decline in deposit interest rates has led to a growing popularity of participating insurance products, which offer both guaranteed benefits and dividend distributions [1][3] - The disclosure of dividend realization rates for participating insurance products is nearing completion, with over 70 life insurance companies having reported their rates for 2024 [3][4] - The overall performance of dividend realization rates has improved compared to the previous year, with many products exceeding a realization rate of 100% [3][5] Group 1: Dividend Realization Rate Overview - The dividend realization rate is a key indicator for consumers, reflecting the actual dividends distributed compared to the projected benefits at the time of sale [3][4] - The recent regulatory changes have allowed for more flexibility in setting dividend levels, which has contributed to the increased potential for dividends among insurance companies [4][5] - The 2024 dividend realization rates show significant improvement, with many companies reporting rates above 100%, contrasting with the previous year's rates concentrated between 25% and 50% [3][5] Group 2: Performance Discrepancies Among Insurers - There is considerable variation in dividend realization rates among different insurance companies and even among different products within the same company [5][6] - Leading insurers like Xinhua Insurance and Ping An Life have reported numerous products with realization rates at or above 100%, while some smaller insurers have struggled to achieve similar results [5][6] - Some companies, such as Huahui Life, have opted not to distribute dividends for their participating insurance products in 2024 due to operational circumstances [5][6] Group 3: Consumer Considerations - Consumers should consider the dividend realization rate as an important factor when selecting insurance products, but it should not be the sole criterion [8][9] - The realization rate reflects the relationship between actual and projected dividends, and a higher rate does not necessarily equate to higher absolute dividend amounts [8][9] - It is advisable for consumers to focus on the long-term stability and operational strength of the insurance company, as well as historical performance data, rather than just the current year's realization rate [9]