Abstract: Life-insurance scheduled interest rate is a decisive factor of life-insurance’s price and is inversely proportional to the price of life-insurance product.Under the condition of other factors have been fixed,the higher the scheduled interest rate is,the lower the insurance price is,and vice versa.China’s traditional life insurance products are savings-oriented and are the simple substitute of bank deposit.The life-insurance scheduled interest rate generally views the bank deposit interest rate of that time as a reference and a little higher than that.The bank interest rate’s constantly changing will bring much deviation to life-insurance scheduled interest rate and bank interest rate and adversely affect the sale of insurance product.