投资收益率和偿付能力又下滑，中邮人寿的分红险还能买吗？

Group 1 - The core viewpoint of the article highlights that the impact of the recent data release on the dividend insurance policies of China Post Life Insurance remains limited, primarily due to the volatility in investment returns across the insurance industry [2][8] - The net profit fluctuations of insurance companies have increased since the implementation of new financial accounting standards, with significant profit growth observed in the third quarter of 2024 for major insurers like China Life and China Pacific Insurance [2][8] - China Post Life Insurance experienced a notable turnaround from a loss of 11.4 billion in 2023 to substantial profits in the following year, indicating that early fluctuations in data were influenced by the timing of accounting standard changes [2][8] Group 2 - The overall solvency performance of life insurance companies declined in the third quarter compared to the first half of the year, with only a few companies showing an increase in solvency ratios [3][5] - The decline in solvency ratios is attributed to the new second phase of solvency regulations, which increased risk factors and capital requirements, leading to a compression of reported solvency [5][8] - Non-listed insurance companies' full implementation of new standards has also impacted solvency, with China Post Life Insurance being significantly affected but not to a critical extent [8] Group 3 - Investment returns for life insurance companies saw a general decline in the third quarter, primarily due to falling bond prices [9][12] - The comprehensive investment return rates for insurance companies in the third quarter were mostly in the range of -3% to 2%, with China Post Life Insurance reporting -1.9%, which is slightly below the overall average but still competitive [13] - The average financial investment return rate for China Post Life Insurance was 1.26%, surpassing many competitors, and the company has maintained a three-year average investment return rate of 3.80% [14][18] Group 4 - The dividend insurance policies of China Post Life Insurance remain attractive, with a high demonstration benefit compared to similar products, achieving an average realization rate of 70-80% [18] - The current dividend-type increasing life insurance products from China Post Life Insurance offer higher long-term demonstration benefits than those from other companies with the same predetermined interest rate [18]