多家大型保险公司开始推出“开门红”产品 保险产品预定利率已连续三年下调

E公司
Nov 12

人民财讯11月12日电,近日,多家大型保险公司开始推出“开门红”产品。总体来看,产品设计将目光更多地转向了有浮动设置的分红险——保证收益+浮动分红,但分红的主要来源是保险公司的实际经营盈余,这尤其考验险企的投资、经营能力。目前,保险产品预定利率已连续三年下调,为近20年最低水平——普通型产品从3.5%降至2.0%,分红型产品从3.0%降至1.75%。相较而言,分红型产品的预定利率降幅比普通型产品更...

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