Category: Insurance tips Release Date: 2006-08-01
The current market selling investment type insurance comparison are: dividends, insurance, investment insurance and universal life insurance, etc. dozens of varieties of three major categories. As each have their own strengths, so that policyholders often dazzled, we should choose a more suitable? Here give you some suggestions for reference.
In fact, the best in the world there is no insurance, only the most suitable for your insurance. Because the insurance company will continue to introduce new insurance products, will always appear better than it is now, while the risk of life is not predictable, and risk prevention measures are also can not wait, so only through a combination of insurance products, select the most suitable for their own insurance packages. Therefore, the purchase should be based on their actual needs (such as personal security, pension protection, children's education, health protection, to prevent accidents, etc.) and risk tolerance (can pass the test) if choice.
Insurance is paying dividends, after the insured person received protection under the enjoy the insurance part of the operating results of insurance, according to the provisions of Insurance Regulatory Commission, dividends generally not less than 70% of profits available for distribution. If the insurance companies of poor management, the dividend may be very limited, or may not be divided into red. However, the dividend insurance with minimum guaranteed interest rate, the customer's basic security is guaranteed, and therefore suitable for risk-bearing capacity and low investment demand is not high, mainly want to protect the insured.
Universal life insurance with a bonus of some characteristics of a minimum income guarantee, operating results by insurance companies and customers to share, while the Contributions, etc. and more flexible. Elasticity of demand for larger, lower risk tolerance, want to have more choices of insurance policyholders the right.
Investment-linked insurance by definition is the insurance and investment-linked insurance, but more emphasis on support functions. With guaranteed income account, the Development Account and fund accounts multiple accounts. Portfolio of each account is different for different rates of return, investment risks are also different. As the investment account will not promise the return on investment, insurance companies, asset management fees in collecting, after all the investment income and investment losses borne by the customer. Make full use of experts in financial management (inline some call the expert to work for themselves) the advantages, customers get high-yield but also bear the risk of investment losses. Therefore, investment-linked insurance is suitable for a rational investment philosophy, the pursuit of high-yield assets also have higher risk-bearing capacity of the insured.
Of course, to choose insurance companies is also an important issue, because one of the main functions of insurance against accidents, but the accident occurred at a time and place of uncertainty, accidents may occur in remote places, so try to choose better services can be In the first time, the insurance companies to provide services. In selecting a good insurance products, based on the insurance companies must pay attention to the distribution network, the strength of the strong and weak and so on.
