How to make money with investment-oriented insurance Insurance Tips

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

Risk seeking low - none other than the non-dividend

If it is to achieve the set financial goals, and can have a more fixed period of insurance premium expenditures were necessary to protect the insured, income is relatively stable, while the risk-bearing capacity was lower, appropriate insurance coverage dividends.

Because of the established financial goals may be old-age pension or pay their children's education costs, which require the insured acts must be safe, reliable, insured funds can not afford too much investment risk, but also increasing the value can be achieved. Participating Insurance to policyholders through dividends, share the operating results of insurance companies, even when the product of poor management on the impact of the insured is no dividend, but divided up, customers simply need a greater share of operational risks.

Stable income to enable customers insured can follow the traditional way of contributions to the regular fixed payments, to obtain the appropriate insurance cover. It should be said to resist changes in interest rates to bring inflation and depreciation of the assets of the insurance risk is that dividend dividend yield of the most practical significance.

Dividends can not be as old-age pensions, but can allow you to purchase insurance for old-age pension Shihai value for money to get you started; dividends can not pit one against ten, but allows you to prepare for their children to study abroad as sufficient funds to Shihai.

Earnings at the head - to vote for the Lien featuring

Has been a part of a more appropriate funding arrangements, revenue is more lucrative, or have some savings, have the ability to take risks, is more appropriate for insurance-linked products.

Prominent feature of investment linked products, there is no scheduled interest rate policy the concept of the value of the policy investment income is accounted for entirely by the unit pricing to reflect, and can set up different levels of portfolio risk accounts. Investment risk is borne from customers, accounts of funds to operate successfully, it is possible to obtain high returns; if bad investments, the insured must bear the corresponding losses. Therefore, the choice of investment related products ready before the full psychologically prepared to take risks. Of course, if only to vote with fancy products, investment profitability, are unwilling to bear the investment risk is too high can choose according to their risk tolerance, lower risk portfolio.

The operation of the current channels of insurance funds, the investment and related products account is basically constituted by a low-risk portfolio. Recently, the China Insurance Regulatory Commission approved a safe, Xinhua, China and the macro three life insurance companies with products of investment in securities investment funds will be invested to increase the percentage of funds to the account 100%. Since 1999, insurance companies allowed to invest in securities investment fund's investment performance, the securities investment funds should belong to the higher yields, lower-risk investment products it comes as no doubt change in the ratio of investment to improve the investment and related products to obtain higher yields may sex. However, changes in securities investment funds and stock market fluctuations very closely associated, from the accounts of several companies unit price changes, can also find this rule, the insured must maintain a long-term investment such products of mind.

Flexible input - Universal significant advantages

Guarantee universal life insurance have higher income and receiving areas in the Contributions greater flexibility characteristics. For the very stable income, but also is planning a higher security of the funds requested in the fiscal targets (such as pension, child education) who was highly appropriate. But the insured must pay attention to exercise self-discipline not to let Contributions and the receipt of a more flexible financial management capabilities undermined the achievement of the goals.

Universal life insurance sales in the current market can be said to fame, its two-year interest rates in order to account for funds as the minimum income guarantee, but also for more than five-year return on investment is divided into 28 parts with the customer, which eliminates the safety of customer funds worry so, on the operation of investment accounts and insurance policies more flexible mode of operation (make payments, receive, etc.) established the identity of its non-traditional products, aroused the enthusiasm of many policyholders. It is worth noting: the risk the greater the possibility to obtain high yields higher, and vice versa, which is the natural law of the investment market. Once the bank to raise interest rates, universal life insurance is also a corresponding increase in security, financial managers need to use aspects of the investment strategy in order to achieve the basic goal of this commitment (once every three months billing), or else must suffer.