1.93%! The latest ordinary life insurance product reservation interest rate study value has increased by 4 basis points month-on-month.

The Insurance Industry Association held the first quarter 2026 meeting of the Personal Insurance Industry Interest Rate Research Expert Advisory Committee on April 24.
The participating experts unanimously agreed that in the first quarter, the gross domestic product (GDP) grew by 5.0% year-on-year and 1.3% quarter-on-quarter, with new driving forces rapidly growing, and high-quality development moving towards new and better directions, while still facing issues such as oversupply and weak demand, as well as external shocks.
Insurance industry experts believe that the personal insurance industry actively responds to challenges, continuously optimizes structural adjustments and product supply, further deepens the integration of claims and operations and reduces costs and increases efficiency, vigorously promotes high-quality development of pension finance and commercial health insurance, constantly strengthens asset-liability management, further improves product suitability management, and effectively protects consumers’ legitimate rights and interests.
Insurance industry experts studied the research value of the guaranteed interest rate for personal insurance products and proposed that the current research value for the guaranteed interest rate of ordinary personal insurance products is 1.93%. (Cailian Press)