China Insurance Industry Association: The research value of the guaranteed interest rate for ordinary life insurance products is 1.94% at present.

The China Insurance Association convened the expert consultation committee on life insurance industry interest rates for the second quarter of 2026 on July 20th, analyzing the macroeconomic situation, trends in the national debt market, and industry development. Some experts discussed hot topics such as the observation of the capital market and the application of artificial intelligence. The experts in attendance unanimously agreed that in the first half of 2026, China's economy continued to maintain an overall stable and towards new and better development trend, with a year-on-year growth of 4.7% in GDP. The business activity index for monetary and financial services, insurance, and other industries was in a relatively high prosperity zone, with new growth drivers developing rapidly, effective protection of people's livelihoods, and demonstrated development resilience. Insurance industry experts believe that the life insurance industry should continue to deepen reforms, optimize industry development layout, firmly implement the integration of underwriting and claims, focus on core responsibilities, continuously improve the quality and effectiveness of serving the real economy, carry out the five major financial initiatives, strengthen people's livelihood security, and actively contribute to high-quality economic and social development. Insurance industry experts studied the research value of life insurance product interest rates, proposing that the research value for ordinary life insurance product interest rates is currently 1.94%.