Category: Insurance tips Release Date: 2006-08-01
End of the year, the insurance investment type products on the market dazzling, crowding together of investment-oriented insurance policies have aimed at consumers by the end of full pockets. The appreciation of the various financial commitments, consumers abandoned all kinds of investment insurance against the "old enemies" is a longing for it sounds very impressive gains.
Some Like It Hot in relation to insurance companies, investment-oriented insurance market performance last year, some bleak, dividends and dividend interest rate risk in the first half last year, generally at about 1%, a lot of places surrender a large area. Today, although the insurance fund can directly enter the market may be depressed stock market, direct intervention in the market must also take significant risks. No can not lose the investment, investment-oriented insurance policies are also at risk, buy investment-oriented insurance must be rational.
Divided by function, the investment-type insurance focuses on investment, risk protection is only the additional part. Faced with the temptation of high-return financial management, consumer awareness of the need to eliminate a few errors.
Misunderstanding 1: Buy the insurance is used to invest. The original meaning of the insurance payment or compensation by insurance or the life of the transfer of risk compensation, but unconsciously, investment banking has become the main function of consumer perceptions. This is actually wrong to mislead the insurance companies: on the one hand, investment-oriented insurance premiums higher premiums in the short term to expand the scale to become insurance sales focus; the other hand, bank-insurance business is an important investment-oriented insurance sales channels, investment-oriented insurance terms is relatively straightforward, no professional knowledge, the banks can earn fees. Thus, as long as the local banks will be able to see the large investment-oriented insurance advertising, promotional materials. Insurance Consumers also belongs to the Enlightenment period, a strong propaganda under attack, they formed a buying insurance is an investment the wrong impression.
Misunderstanding 2: income and security can have both. Because, with the name of the insurance, investment-oriented insurance more attractive than the Fund. In addition to promising that consumers buy insurance, an attractive return on investment, there are the so-called protection. However, the investment-oriented insurance is a focused, focusing on its declared dividend or the proceeds. The risk protection, the investment-oriented insurance played a limited role, the general provision of accident insurance protection, but also a lower amount of insurance. Chuxian accident rate is very low, even if the insured Chuxian, Kim did not get paid too much, which is why the investment-oriented insurance been accused of --- the name of the insurance alone is not the actual line of insurance.
Misunderstanding 3: income must be guaranteed. Investment-oriented insurance proceeds are usually given in very attractive, especially sales staff recommendation, the more likely there will be no exaggeration to achieve the dividend rate, where subtext is not spelled out: Expected. Have investment income consumers tend to listen to the psychological expected rate of return, the formation of a high psychological expectations. However, the insurance company promised to return the premiums collected from the right to use, there is no capital investment but who can guarantee there will be benefits. In theory, the insurance operation is based on actuarial technical, that is, insurance underwriting risk is expected within the scope of, through the expected rate of Chuxian setting premium rates, insurance against losses. The investment risks are not part of pure risk, not within the scope of insurance underwriting, insurance companies, the commitments made are not insurance. Lesson has been proven countless times this point, a former investment with insurance because they can not achieve the desired surrender was, last year's dividend risk given the cold shoulder does not meet expectations.
Investment-oriented insurance is the choice of investors, known as the rich choice may be more appropriate, business investment and insurance companies with insurance no secret: to vote with insurance is only suitable for a small number of those who are prepared. If the demand of people classified according to risk to protect the security needs of the basic needs, and investment income is to achieve the needs of the value of belonging to a higher level of demand, consumers do not invest in stocks, the Fund's time to buy investment-oriented insurance, access to the corresponding benefits. In accordance with the basic logic, basic needs can be met after moving to a higher demand. If the basic insurance are not turned to chasing investment-type insurance, and that indeed worrying.
Of course, not to say that investment-oriented insurance will not buy, but there must be a rational state of mind, distinguish between the focus, in particular, the benefits and security can not be the same expectations, so as not to psychological imbalances. Access to the most comprehensive financial (banking, insurance, securities, foreign exchange, rural credit cooperatives, city businesses, foreign-funded banks) information and the most valuable financial resources, financial resources, please visit the China General Library
