Agreement deposit refers to the deposit in which the depositor opens an agreement deposit account in basic deposit account or a general deposit account by signing an agreement deposit contract with the bank, and the basic deposit amount of the settlement account is agreed. The bank transfers the deposits in the settlement account that exceed the basic deposit amount into the agreed deposit account, and pays interest at the agreed deposit rate. The interest rate announced by the People's Bank of China shall apply to the agreed deposits. Generally speaking, the interest rate of agreement deposits will be higher than that of ordinary deposits.
The universal insurance interest rate of insurance companies will be affected by the financial crisis. The general minimum guaranteed interest rate for universal insurance is around 2.5. Personally, in the context of the financial crisis, the annual interest rate is expected to be 3-4.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.