The latest research value for the reserved interest rate of life insurance products has dropped to 1.90%.

On October 29, the China Insurance Industry Association organized the third quarter meeting of the Expert Consultation Committee on the Assessment Interest Rate of the Life Insurance Industry's Liability Reserve Fund for 2025, analyzing the macroeconomic situation, market interest rate trends, and industry development. At the same time, insurance industry experts expressed their views on the predetermined interest rate for life insurance products, believing that the research value of the predetermined interest rate for ordinary life insurance products is 1.90% currently. The predetermined interest rate for life insurance products is the annual interest rate set by insurance companies in advance when calculating premiums and liability reserves for life insurance products, which can be understood as the "promised" return rate to customers. The higher the rate, the cheaper the premium; the lower the rate, the more expensive the premium.