Core Insights - The insurance industry is experiencing a shift towards new products following the adjustment of the life insurance predetermined interest rates, leading to the discontinuation of "excessive limit" products and the introduction of new offerings [1][2][4] Product Launch Statistics - As of September 22, 993 life insurance products, 652 annuity products, and 990 health insurance products have been launched in the year, with 415, 257, and 266 of these products respectively launched after August 1 [2][3] - The proportion of new products launched after August 1 is 41.8% for life insurance, 39% for annuity insurance, and 26.9% for health insurance [2] Product Type Analysis - The majority of newly launched products are dividend-type and ordinary-type insurance, with fewer universal insurance products. Specifically, 408 dividend-type life insurance products account for 41% of the total, while 69 universal life insurance products make up 6.9% [3][4] - For annuity insurance, 222 dividend-type products represent 34%, while 54 universal annuity products account for 8% [3] Shift in Sales Strategy - Insurance companies are actively promoting dividend insurance, which has shown positive sales results. This is attributed to the product's design that offers a "guaranteed + floating return" mechanism, allowing for shared risk between insurers and consumers [4][5] - The recent adjustment in predetermined interest rates has made dividend insurance more attractive compared to ordinary insurance, with the new maximum rates set at 2.0% for ordinary and 1.75% for dividend insurance [5] Market Response and Future Outlook - Consumer acceptance of dividend insurance is gradually increasing, with sales improving as understanding of the product grows [5][6] - A number of A-share listed insurance companies plan to enhance their promotion of dividend insurance, with significant increases in the proportion of premium income from dividend insurance reported [6]