1.93%, the latest research value of the guaranteed interest rate of life insurance products has increased by 4 basis points compared to the previous period.

The Insurance Association organized the first quarterly meeting of the Expert Consultation Committee on Life Insurance Industry Interest Rates on April 24, 2026. The experts at the meeting unanimously agreed that in the first quarter, the domestic gross domestic product increased by 5.0% year-on-year and 1.3% quarter-on-quarter. The new growth drivers are developing rapidly, and high-quality development is moving in a new and better direction, but still facing challenges such as strong supply and weak demand, external shocks, etc. Insurance experts believe that the life insurance industry should actively respond to challenges, continuously optimize structural adjustments and product offerings, deepen the integration of underwriting and sales, reduce costs and increase efficiency, vigorously promote the high-quality development of pension finance and commercial health insurance, strengthen asset-liability management, further improve product suitability management, and effectively protect the legitimate rights and interests of consumers. Insurance experts studied the research values of the scheduled interest rates for life insurance products and proposed that the research value of the scheduled interest rates for ordinary life insurance products is 1.93%.