The probability of lowering the scheduled interest rate of life insurance products within the year increases, and the industry forecasts that it will be lowered in September at the soonest.
2025-04-21 14:38:51
On April 21, the Expert Advisory Committee on the Assessment Interest Rate of Liability Reserves in the Life Insurance Industry announced on the 21st that the current study value of the scheduled interest rate of ordinary life insurance products is 2.13%, which is 37 basis points lower than the current scheduled interest rate, and the difference exceeds 25 basis points for the first time. Industry insiders predict that if the study value is still lower than 2.25% in July, 2.5% scheduled interest rate products will face a reduction in September at the soonest. Longge, an insurance expert, said that the reduction of the scheduled interest rate is aimed at reducing the risk of interest rate spread loss, promoting the high-quality development of the industry, and at the same time reminding vigilance against "speculation and suspension" behavior.
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