Core Viewpoint - The sudden suspension of a dividend-type increasing endowment life insurance product with a guaranteed interest rate of 2.0% has heightened market attention towards the upcoming interest rate adjustments in the insurance sector [2]. Group 1: Market Reaction - On August 5, a notification from an insurance company led to the immediate suspension of a product, leaving little time for customer notification, particularly in Shanghai where dual recording is required for insurance purchases [1]. - The emergency suspension of the product occurred just two hours after the notification was received, indicating a rapid response from the insurance company [1]. Group 2: Regulatory Changes - The China Insurance Industry Association announced a predetermined interest rate research value of 1.99% on July 25, triggering adjustments in life insurance predetermined interest rates and product changes [2]. - Major insurance companies quickly responded to the announcement by issuing product switch notifications [2]. Group 3: New Interest Rate Limits - The new maximum predetermined interest rates for ordinary, dividend, and universal products will be adjusted to 2.0%, 1.75%, and 1.0% respectively, with the product switch date set for August 31 [3].