Among insurance products, what is the difference between dividend annuity insurance at 2.5 price and traditional insurance at 3.5 price?

There is no such thing. The cash value of traditional insurance is still the old interest rate of 2.5%. The interest rate without dividends is generally 3%~3.5%. The dividend of traditional annuity insurance and dividend insurance is uncertain and not guaranteed. Only the return money, survival money and maturity money agreed in the contract of annuity insurance and old-age security are certain, and they are fixed and have no guarantee.

Market-oriented insurance rates range from 3% to 3.5%, with 3.25% being the majority. Strong companies such as Ping An gave 4% at first, but later they couldn't hold on, and now they are all 3.5%. The previous policy was still calculated at 4%. This is just the interest rate of cash value. It has nothing to do with dividends and other benefits.

If you add a universal insurance account, you have to charge a handling fee, which generally ranges from 3% to 5%. Nothing is free.

The interest rate of universal insurance is guaranteed according to the requirements of the CIRC, which is generally 1.75%. Some companies advertise 2.5%, but this guaranteed interest rate has no practical significance. If you can't achieve a rate of return of more than 3.5%, the company has already finished the calculation. Waiting for the appointment of the CIRC to be taken over by other insurance companies.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.