On January 10th, insurance companies began to take real action by replacing some traditional insurance with dividend insurance. During the “good start” period of insurance in 2025, in addition to traditional insurance, the “+dividend” model of dividend insurance has significantly increased. Industry insiders say that the slogan of transforming dividend insurance has been shouted for two or three years, and as interest rates continue to decline, the pace of adjusting product structure has to accelerate. This is a product structure adjustment forced by the investment situation. The reporter learned from multiple insurance sales channels that the inability to sell and the difficulty in selling have almost become common problems. The uncertainty brought about by the fluctuation of dividends, the decrease in dividend realization rate, and the high number of complaints about dividends not meeting expectations have become major obstacles between salespeople and consumers. The space for dividend insurance to return to the mainstream market has opened up, but the gap between ideal and reality still needs to be bridged, and it will take time for dividend insurance to truly become popular. (China Securities Journal)
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