Often failed to deliver attractive dividend to buy insurance do not bent on making money Insurance

Category: Insurance tips Release Date: 2006-08-01

"Small abacus, you Kan Ma, originally put it extravagant, bonuses and an attractive high dividend insurance, in the end only points so a little bit, but also a few people Cuoyi Dun is not enough, and simply is not worth!" "Well yes, would have thought to buy copies of insurance can make money, which know ... ... "
Whenever the insurance company to the customer when the dividend, the total calculations have heard from friends and family some of these complaints. Perhaps, in the eyes of many, insurance is a kind of both have been claims, but also a good product to make money, if only blindly without the expected return and paid almost no different Jiugen cheated.

In fact, this is a very wrong view.
The principle of insurance is to allow the insured person to obtain compensatory payment, but not make a profit. For this reason, insurance companies, the introduction of any type of insurance products, consider the substance of all to provide customers with protection, rather than making money. Calculations in communication with the insurance industry experts have also learned to expect to obtain through the purchase of insurance products, the basic idea of the high profits is unrealistic.

Can have a friend had said, that many companies have introduced profit-sharing insurance, universal insurance, and investment linked insurance, not have investments in the functionality? A lot of salesman in the sales of these products Shihai claim that they are cost-effective to buy a year's dividends should be for customers, higher returns than the money they deposit more.

Indeed, universal insurance, investment linked insurance is the insurance company developed two types of investment more powerful species, while the dividend has a bonus feature dangerous indeed. However, they are, after all, a commercial insurance, the current major investment is still a long-term bonds, funds, bank deposits, etc., but the revenue generated by these investment channels will not be too high, which objectively determines the client is able to receive benefits even if it is also very limited.

Can be Let's say, and an insurance policy is a contract, signed after the law has the effect, if a customer feels cheated and wanted to surrender in advance, small abacus available to remind you that, oh do not necessarily cost-effective. Because insurance companies are usually carried out according to the policy's cash surrender value, while the surrender earlier, the corresponding lower cash value, the customer can recover the investment in the less.