Zhong Guo Jing Ying Bao·2026-01-28 11:27Group 1 - In 2026, a significant amount of residential fixed deposits, estimated to exceed 50 trillion yuan, will mature, leading banks to promote insurance products, particularly dividend and annuity insurance, as key investment options during the "opening red" period [1] - Insurance products are gaining popularity among customers due to their competitive annualized interest rates, which can reach over 3%, depending on market conditions [1][2] - The sales of insurance products, especially during the "opening red" period, are experiencing high demand, with some products facing tight quotas, particularly those with higher returns [2] Group 2 - Dividend and annuity insurance products are characterized by a certain lock-in period, typically requiring at least two years before withdrawals can be made, making them long-term investment options [3] - Dividend insurance generally offers higher returns compared to annuity insurance, while annuity insurance is more suitable for clients with cash flow needs [3] - The safety of principal is generally assured as long as clients do not withdraw funds during the lock-in period, with fixed-term returns expected [3]