Several insurance companies have completed the filing of dividend insurance products with a predetermined interest rate of 1.25%. Analysis suggests that the decline in the predetermined interest rate for dividend insurance is an inevitable trend

Recently, China Life Insurance launched a participating insurance product with a minimum guaranteed interest rate of 1.25%, which is 50 basis points lower than the 1.75% guaranteed interest rate of mainstream participating insurance products in the market, sparking heated discussions. Unlike previous collective reductions in guaranteed interest rates across the industry, this round of reductions in participating insurance guaranteed interest rates is a voluntary action by some insurance companies. Additionally, the latest research value for the guaranteed interest rate of ordinary life insurance products is 1.89%, which has not triggered the dynamic adjustment mechanism for guaranteed interest rates. Therefore, the current upper limit for participating insurance guaranteed interest rates remains at 1.75%, as it has been since the third quarter of 2025. The "1.75% floor + floating dividends" participating insurance remains the mainstream product in the market. In fact, the decline in guaranteed interest rates for participating insurance is an inevitable trend, and several insurance companies have already completed the filing and reserve of participating insurance products with a guaranteed interest rate of 1.25%, which will be launched at an opportune time