"再奋斗最后一周，加油！"周一的早上，保险代理人王明（化名）发了一条朋友圈。他的一天从清晨开 始，奔波于客户拜访和咨询之间，语调急切却充满干劲。 "最近行业经常能见到大单，千万元保费的大单也不少。"王明谈到最近同业的出单，话语中带着羡慕， 在其看来，行业频出大单也在情理之中，毕竟很多客户也没有太多的投资渠道，保险的收益还是略高于 其他一些金融产品。 和他一样，成千上万的保险从业者正经历同一个"冲刺周期"。他们一边积极拜访和接待客户，一边在朋 友圈中更新最新的市场情况，而"最后一周""即将涨价"成了他们宣传的高频词。 7月底，普通型人身保险产品预定利率最新研究值为1.99%，触发人身保险产品预定利率调整。与此同 时，多家保险公司明确，将调整新备案保险产品的预定利率最高值，2025年8月31日24时起，不再接受 超过预定利率最高值的保险产品投保申请。 除却保险代理人，保险机构和保险销售平台的产品负责人、IT部门的员工也同样忙到飞起。他们的忙 碌，都有一个一致的目标：为产品顺利切换做准备。 如今，距离预定利率产品的切换时刻仅剩不到一周的时间，保险机构和保险销售平台在产品储备方面准 备得如何了？产品切换后将重点推送哪 ...

Core Viewpoint - The recent reduction in the guaranteed interest rate for insurance products has sparked significant discussion, with the new rate for Tongfang Global Life's product dropping to 1.5%, reflecting a broader trend in the industry towards lower guaranteed returns [1][2]. Group 1: Industry Trends - Multiple insurance companies, including Zhongyi Life and Heng'an Standard Life, have launched dividend insurance products with a guaranteed interest rate of 1.5% [2]. - The latest LPR data shows a decrease in the 1-year LPR to 3.0% and the 5-year LPR to 3.5%, indicating a downward trend in market interest rates [2]. - The China Insurance Industry Association is set to regularly assess and adjust the guaranteed interest rates for life insurance products based on market conditions, including LPR and deposit rates [2][3]. Group 2: Impact on Investors - The reduction in guaranteed interest rates is expected to lower the cost of liabilities for insurance companies, potentially improving the industry's fundamentals, but it directly leads to reduced guaranteed benefits for investors [4]. - Investors are increasingly considering alternative products due to the declining guaranteed returns from insurance products, which are perceived to have lower liquidity [4]. - Despite the lower guaranteed rates, dividend insurance products remain attractive due to their potential for higher returns, with over 150 out of 400 new insurance products launched this year being dividend products, accounting for nearly 40% [5]. Group 3: Future Outlook - Analysts predict that the guaranteed interest rates for traditional insurance products may decrease from 2.5% to 2.0% in the third quarter of this year, reflecting ongoing market trends [3]. - The insurance industry may shift towards selling dividend insurance products that offer lower guaranteed rates but potential for floating returns, increasing sales pressure on companies [4].