Some insurance companies have proactively lowered the guaranteed interest rate of dividend insurance to 1.25%.

MetaMuskRat · 2026-03-13T08:23:02+00:00

A certain life insurance company has launched a participating insurance product with a guaranteed interest rate of 1.25%, which has attracted market attention. This rate is below the industry's 1.75% cap, and it is expected that more similar products will be launched, reflecting the impact of the macroeconomic interest rate environment and industry changes.

MetaMuskRat

2026-03-13 08:23:02

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People’s Financial News, March 13 — Recently, a certain life insurance company launched a dividend insurance product with a guaranteed interest rate of 1.25% (hereinafter referred to as “dividend insurance”), which has attracted significant market attention. This is because the design is below the industry’s common “top” standard. According to regulatory requirements, the maximum guaranteed interest rate for dividend insurance is 1.75%, and most mainstream products in the industry are designed at the maximum. Industry insiders have learned that several insurance companies currently reserve dividend insurance with a guaranteed interest rate of 1.25%, and more similar products are expected to be launched in the future. Experts believe that insurance companies proactively lowering the guaranteed interest rate of dividend insurance is the result of multiple factors, including the macro interest rate environment, regulatory policies, and industry operating logic. (Securities Daily)

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