Some insurance companies have proactively reduced the guaranteed interest rate for dividend policies to 1.25%.

Recently, a certain life insurance company launched a dividend-type insurance product with a guaranteed interest rate of 1.25%, causing great attention in the market. This is because the design is lower than the industry's prevailing "maximum" 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" level. Journalists learned from the industry that currently, several insurance companies have reserved dividend insurance with a guaranteed interest rate of 1.25%, and it is expected that more similar products will be launched in the future. Industry insiders believe that the proactive lowering of the guaranteed interest rate of dividend insurance by insurance companies is the result of the combined influence of macro interest rate environment, regulatory system, industry operating logic, and other factors.