Core Insights - The article discusses the recent disclosure of settlement interest rates for exclusive commercial pension insurance products by multiple insurance companies, highlighting their stable growth characteristics as guaranteed non-loss pension products [1][3]. Group 1: Product Performance - 80% of the products have a stable account settlement interest rate above 3%, with 4 products in the aggressive account exceeding 4% [1]. - The median settlement interest rate is 3.2%, with the highest rate reaching 4.55% [3]. - Among 34 exclusive commercial pension insurance products from 15 life insurance companies, the stable account settlement rates range from 2% to 4.35%, while aggressive account rates range from 2.5% to 4.55% [3]. Group 2: Product Types and Features - Exclusive commercial pension insurance consists of two investment accounts: stable and aggressive, with rates composed of guaranteed and settlement interest rates [3]. - The lowest settlement rate for stable accounts is 2%, while the highest is 4.35% for certain products from Nongyin Life [4]. - Some aggressive accounts have lower settlement rates than stable accounts, indicating variability in product performance [6]. Group 3: Market Trends - There is a noticeable trend of decreasing minimum guaranteed and settlement interest rates in newly launched products, with stable account rates dropping to around 2% or lower [8]. - Early products had higher settlement yields, with some reaching 5% or 6%, but the current maximum is now 4.55% [8]. Group 4: Product Comparison - Exclusive commercial pension insurance is more flexible compared to pension annuities, allowing for various payment methods and lower entry thresholds [9][10]. - The management style of exclusive commercial pension insurance is account-based, contrasting with the contract-based model of pension annuities [12]. - The target demographic for exclusive commercial pension insurance includes individuals with unstable incomes who prefer flexible payment options and are willing to accept some risk for higher potential returns [17].