最高4.55%！56款专属商业养老保险2025年结算利率出炉，农银人寿产品居同业第一

Core Viewpoint - The exclusive commercial pension insurance products are showing higher settlement rates compared to traditional life insurance products, with several offerings exceeding 3% in settlement rates as the general life insurance market sees a decline to 2% [1][2]. Group 1: Settlement Rates - A total of 56 products have disclosed their 2025 settlement rates, with yields ranging from 2% to 4.55%, and 7 products exceeding 4% [2]. - Among these, the highest settlement rates are from Agricultural Bank Life Insurance, with rates of 4.35% and 4.55% for its stable and aggressive accounts respectively [3]. - National Pension Insurance's "Common Prosperity" product maintains high yields with rates of 4.01% and 4.02% for its stable and aggressive accounts [3]. Group 2: Market Dynamics - The higher yields of exclusive commercial pension insurance are attributed to both channel and investment strategies, with companies focusing on low channel fees to benefit consumers [3]. - Investment strategies include a diversified approach utilizing fixed income, equity, and alternative assets to balance volatility while aiming for stable returns [7]. - However, there has been a downward trend in settlement rates over the past few years, with rates dropping from 4%-6% in 2021 to below 3.5% in recent years [7][8]. Group 3: Minimum Guarantee Rates - There has been a noticeable reduction in minimum guarantee rates for current exclusive commercial pension insurance products, with stable accounts dropping to around 2% or lower [8]. - Initially, minimum guarantee rates for stable accounts were around 3%, indicating a significant decrease over time [8]. Group 4: Product Features - Exclusive commercial pension insurance was introduced in 2021, featuring a "guaranteed + floating" yield model with flexible payment options [9]. - The payout period for pensions begins after the insured reaches 60 years of age, lasting for at least 10 years [9]. - The products are designed to cater to various customer needs, including those seeking retirement savings and death benefits [10].