2025年8月,随着监管对人身险预定利率进一步下调,传统寿险吸引力减弱,多家头部险企加速转向分红型寿险。预定利率上限从2.5%下调至2.0%,分红险保证利率上限由2.0%降至1.75%。相较之下,分红险因浮动收益机制更具竞争力,被业内视为寿险转型的新方向。数据显示,上半年新推分红险占寿险新产品总量的33%,中国人寿、中国平安等头部险企纷纷提升分红险新单占比。专家指出,分红险有助于降低险企负债成本、...
Source LinkDisclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.