In the perspective of insurer, does higher discount rate increase the benefit payouts? I think it will because higher discount rate results in higher accumulated value in future benefit. If then, will insurer charger higher premiums to policyholders in the next future?

I want to know how different discount rates affect insurance benefits and premiums.

I believe that discount rate is one of the important factor for the life insurance company, but it is hard to get clear understading yet...