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Data:2009-12-12 2:34
In 2005, what is the best fire insurance? Universal Life Insurance! Relying on "universal" because the name is enough to attract the eye. Is in full swing, however, the occasion of the end of October CIRC Quedui market risk warning. Reversal of wind direction, it is they can not help asking, universal insurance in the end is a "panacea"? How to buy a universal insurance to be "foolproof"?
Flexible payment insured free
Universal life insurance, strictly defined as "the premium paid to provide the flexibility and scalability death payment of insurance products." To put it bluntly, that is, payment free, premium free very flexible life insurance products.
Customers have paid the premium after a certain amount of down payment, the amount of renewal premium and delivery time, customers may be free to decide according to their own circumstances, as long as enough of paying the money on the investment account to pay the risk premium, the insurance company automatically transferred .
The insurance premium handed insurance company, it will separate into two accounts: investment accounts and risk protection accounts, transfer of both funds have the flexibility to meet customer needs. Customers can determine their different life stages of the risk level of the insured amount.
Apart from the above two features, the universal life insurance products have a basic guarantee of the vast majority of revenue (currently a maximum of 2.5%), as well as a transparent accounts, settlement, timely and flexible liquidity characteristics. Allow flexibility in reducing insurance surrender, chargeback ratio has expressly agreed in the contract. In general, in the first few years after the insured, their accounts by insurance surrender value is higher than other types of insurance products, cash value, which is lower than the cost of customer regret about the other insurance contracts.
Universal Universal insurance is not reflected in its own security features on the universal. Universal currently on the market for life insurance products and Endowment life insurance, only the death of the responsibility to protect up to a further total disability responsibilities, so security function is relatively homogeneous. To be fully protected, customers with other insurance products necessary to the formation of portfolio.
The mistake was not "dangerous" wrong in the human
Since 1976, universal insurance sold in the United States after the welcome by the market, the current universal life insurance account for Europe and the United States into the world market 3. In 2000 first introduced in China Pacific Insurance universal life insurance, with the advent of the dividend over the same period, insurance, investment and even the risk of new investment in life insurance products with the known. At the time did not cause other companies to follow suit, the market is not much vibration.
Since 2004 China gradually into the rate hike cycle, but traditional insurance, interest rates did not arrive together scheduled to move, promotion of investment and even the danger of misleading due to disturbances caused by surrender already retreated into the shadows, while the dividend once a year, the accounts of product billing cycle has With the limitations of too long and can not cope with the frequent interest rate increase, while the timely settlement of accounts it is clear strengths of universal insurance, universal insurance finally ushered in a proud day.
Be properly product, what is the cold wind blowing CIRC do? This is due to have voted with insurance warning, pay close attention to the hot CIRC universal insurance market, was found hidden in a hot not to be underestimated risk - misled! Sales personnel at the customer insured bank savings when a simple comparison with the rates of return and interest, concealing the chargeback provisions, not to remind the measured income and the difference between the guaranteed return to the insured is not suitable for universal insurance customer testimonials.
One plus one minus one gains a heart
Reason insurance universal insurance, do addition and subtraction method is very important. A basic premium, the insurance company to have it divided into two, one risk protection into account, one into the investment accounts, but also in the investment account to pay various fees and insurance premiums but also only after an investment account funds.
Investment Account value = basic insurance premiums - (risk insurance, initial fee, plus insurance fees, policy management fees, decreased insurance fees, loans, account management fees, reducing the insurance account value) + (guaranteed income, floating proceeds, accumulated compound interest, long-term holders of incentive payments, plus insurance premium)
The formula outlined in the above items not every product has a chargeback, quotas are the same. By Xinhua Life Insurance, a "pleasing financial Endowment Insurance (universal type)" for example, buying five copies of a total premium of 10,000 yuan, an annual guaranteed return of 2.5%, if the floating return of 0.75%, or total annual investment return 3.25%, daily average return on investment of 0.008904 percent, the average monthly earnings for 0.27083 percent, to No. 5 in the last month (60 months after the insured the last day).
Basic insurance 10000 - (risk premium 0, initial charge 10000 × 7.5%, plus insurance fees 0, policy management fees 0, 0 decreased insurance fees, loans, account management fees 0, reducing the insurance account for the value of 0) + [(guaranteed income, floating proceeds, the cumulative compound interest) 10000 × (1 +0.27083%) 5X12, a long-term incentive to hold 0, plus insurance premium 0] = the value of 10,879.8 yuan investment accounts.
In so doing, the entire 10,000 yuan a year the actual investment rate of return of 1.76%. To the first 20 years, the value of 17,703.2 yuan accounts, the actual investment return rate of 3.85%. Can be seen that the time short-term insurance, universal life insurance investment income is not high, only the long-term holding, taking into account the tax-free factor, the value of its investments to be realized.
Are "universal" differences might also have
Amount of insurance protection for universal design are generally three types: the value of premiums + investment accounts, insurance and the account value after the value of × coefficient of persons who are, the premium or account value of one of the × factor. It protects the design of the different lines to form the different types of products:
Type of protection: insurance rates high, pre-chargeback high investment accounts are low, loss of large pre-surrender. Such as the United Kingdom Life "Golden Pineapple B section," insurance premiums amounted to 50 times, while the first phase of up to 65% chargeback for no other risk protection, but have a certain awareness of investment risk tolerance and capacity in young people, but the To ensure long-term holding.
Investment-type: Insurance rates low, the first phase of chargeback little more capital investment accounts, surrender loss. Such as the Xinhua Life Insurance, a "pleasing financial management," the policy sum insured is 110% of the value of the first phase of chargeback only 7.5%. Suitable for through other insurance products to protect those who risk financial conservative.
Currently marketed products form the most complex individuals, functions more. Customers should pay attention to the contract when the insured has some insurance companies to retain the right to adjust the terms, such as to guarantee a return and some set a time limit, some with a one-year fixed deposit interest rates were subject to some reservations on account management fees have adjustment of the right. In addition to stress that the pursuit of high returns on investment should not be the main reason to buy universal life insurance or motive. Social stability because the country out of the consideration, the safety of use of insurance funds, there are strict requirements, the decision to purchase universal life insurance investment income is limited, ie unlikely to produce profits.
