(Securities Daily: insurance company marketing "hitchhiking" deposit interest rate reduction should pay attention to discretion)-- according to an article in the Securities Daily on June 13, after the deposit interest rate was cut, a large number of insurance products with scheduled interest rates still higher than 3% have become the targets of many life insurance companies and practitioners. However, the marketing actions of some insurance enterprises and agents are somewhat "distorted" and are suspected of being misleading, which are mainly shown in two aspects: first, a simple comparison between the deposit interest rate and the intended rate of return of insurance products, without an objective and comprehensive introduction of the similarities and differences between them; second, only publicize the high rate of return of insurance, do not mention the rate of return on the premise of holding period. At present, many insurance companies are facing not only growth pressure, but also fierce competition. There is not only a real demand for marketing insurance by lowering the deposit interest rate, but also a last resort. However, the insurance industry, especially the life insurance industry, has a long operating cycle, and the misleading sales at this time will inevitably lead to the withdrawal of insurance in the future. Therefore, insurance companies should anchor long-term development goals, adhere to the bottom line of compliance, and adhere to the original intention of management.