Reduce the cost of debt Endowment insurance settlement interest rate lowered

Wind data shows that as of September 26th, among the more than 1200 universal insurance products that have disclosed their August settlement rates, the highest annual settlement rate is 3.5%, the lowest is 0.36%, and the majority of products have annual settlement rates between 2.5% and 3%. Overall, amidst a backdrop of continuously declining interest rates, the settlement rates of universal insurance policies continue to decrease. Industry insiders believe that lowering the settlement rates of universal insurance policies will help insurance companies reduce the cost of their liability side and mitigate the risk of interest rate spread losses, leading to a potential further decrease in the settlement rates of universal insurance policies in the future.