2026-09-183713
Adjustment of Assumed Interest Rates for Life Insurance Products: Industry Impact and Consumer Strategies
Regulators have established a dynamic adjustment mechanism for the assumed interest rates on life insurance products, lowering the pricing cap for ordinary-type products. This measure helps mitigate the industry's spread loss risk and liability pressure while promoting an increase in the share of floating-return products. Consumers should return to the core purpose of protection, prioritize basic coverage such as medical and critical illness insurance, and view savings product yield projections rationally—relying instead on the actual contract terms.
Loli Technology Research Institute2026-09-18
