Category: Insurance tips Release Date: 2006-08-01
Following last year's Ping An Insurance Company first launched the "Green Century Money-linked Insurance", the U.S. AIA Shanghai branch, China-Hong, China Life, Taikang successively introduced a dividend, investment-type insurance products.
The face of a large number of insurance, the people how to choose? Insurance experts point out that three types of investment-oriented life insurance products have their own advantages, will need to purchase insurance for each person, there is no best product, only the most suitable product.
First, we must correctly analyze the personal insurance needs. If you tend to the traditional contributory approach, that is at fixed payments, while investment is not particularly valued, or want to obtain insurance coverage based on the insurance company's overall business situation is also more confident, you can choose to Participating Insurance . Currently there are several insurance companies launched dividends, insurance, choice of room is relatively large. Insured if you need insurance products are flexible enough to hope that in the basic investment guarantees on the basis of a certain return on investment, can choose universal life insurance. The pursuit of higher investment returns and asset growth, and has a certain risk-bearing capacity of the customers can choose to buy-linked products.
Second, we must take full account of individual risk tolerance. Dividend insurance will insurance companies part of the overall operating surplus be allocated to customers, but insurance companies of poor management, the policyholder dividend income may be very limited, it may not be divided into red. However, the insurance with a guaranteed minimum bonus interest rates, customers receive the basic protection is guaranteed, and therefore suitable for people of lower risk-bearing capacity.
The use of universal life insurance investment funds and insurance there are no major difference between dividends, but also has a guaranteed return on investment, but more than a certain level shared by the client with the insurance company. As insurance, universal life insurance with more flexibility than dividends, so is suitable for low-risk-bearing capacity of the insurance plan but would like to have more options to customers. For investment-linked insurance, because the investment accounts will not promise the return on investment, customers get high returns at the same time, it may bear the investment account assets, the loss of wind force. So, in pursuit of personal assets for growth as the goal, and has a high tolerance for risk customers.
Third, pay attention to choose insurance. In the choice of investment-type insurance, you should seriously look into the responsibility of the insurance product itself, cost levels, based on greater attention to several aspects: First, the strength of insurance companies. Strong security force in resources tend to have certain advantages, can provide customers with better service. Second, insurance companies, the management level. This includes insurance companies examined in detail the work efficiency, staff quality, the profit level, the past investment performance, brand image.
