In the first half of the year, the premiums for participating insurance surged by 90%. However, behind this boom, there are still concerns about the "guaranteed return" risk.

In the first half of the year, the premium income from participating insurance exceeded 1 trillion yuan, with a year-on-year growth rate of over 90%, fully reflecting the efforts of life insurance companies to transition to participating insurance. Journalists learned that life insurance companies are actively promoting participating insurance, which is both a strategic initiative and a response to current passive factors. Currently, the yield level of traditional insurance is relatively low, providing limited appeal to consumers. However, selling participating insurance is still not easy and carries potential concerns. Some sales processes continue to use the promotional approach of fixed-income products, treating the demonstrated returns of participating insurance as expected returns, leading consumers to anticipate that the dividends will be stably payable.