Universal insurance settlement interest rates have been lowered, with most not exceeding 3%.

As of September 5th, nearly 300 universal insurance products have disclosed their August settlement interest rates. Among them, there are a total of 24 universal insurance products with annual settlement interest rates exceeding 3%, with some individual products having a maximum annual settlement interest rate of 3.5%. Overall, the annual settlement interest rates of most universal insurance products do not exceed 3%, with approximately 85% of products falling within the 2.5%-3% range. Compared to July, the settlement interest rates of some universal insurance products have been slightly lowered. In recent years, the settlement interest rates of universal insurance have been on a downward trend. In the same period of 2024, the annual settlement interest rates of most universal insurance products were at 3% or higher, with the highest at 3.5%; in the same period of 2023, the annual settlement interest rates of hundreds of universal insurance products were higher than 4%. The trend of universal insurance settlement interest rates is related to the market interest rate trend, and currently the 10-year Treasury bond rate, deposit rate, and LPR are still in a downward channel, indicating that there is still room for downward movement in universal insurance settlement interest rates.