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Data:2009-12-12 2:34
In the investment-oriented insurance for the insured to provide more choice for financial management at the same time, many people are Ben Zhao, "looks beautiful" and proceeds away, ignoring the core of the insurance is to protect the interest; It was also the lack of objective analysis of their needs ; even more people to purchase insurance products, investment did not understand the operation of investment accounts, leading to understanding of the insurance interests of the misunderstanding. Therefore, in the purchase of an investment-type insurance, the insured, we must master its own economic strength and investment mentality must be read carefully before buying, product brochures, a clear understanding of the product which interests of the insurance guarantee, which items are not guaranteed, which is based on the operation of the future good and bad insurance companies established, and what factors will affect the value of financial accounts.
Buy different investment risk has the attention of their different points:
Dividend insurance products, policyholders should be aware of the product liability insurance, characteristics, methods of distribution such as dividends and bonus issues, dividends due to a variety of insurance designed to have certain differences, dividends and insurance can provide varying degrees of protection and benefits, insurance people should fully grasp the dividend protection and investment products, the role of dividends should not be different from the number of insurance products, bonus to make a simple, one-sided comparison, let alone with other types of product returns for comparison.
Class-linked insurance products, policyholders should focus on understanding of these products account investment income and investment relations, investment account situation, the investment accounts of fees charged by the investment accounts of the major risks faced by the insured when the surrender insurance company to deduct the costs and the insured share of such matters as may be refundable.
Universal life insurance products, policyholders should be a comprehensive understanding of universal products, guaranteed interest rate, fees deduction situation, risk premiums deducted cases, death insurance and policy changes in value of the insured when the insurance company to deduct surrender charges and policyholders refundable share, and so on. The insured to purchase universal life insurance products, but also masters of our own policy conditions, the timely payment of premiums, cash value insurance policies to avoid the impact of lack of validity of the contract.
Need to be reminded is that the investment is suitable as a long-term investment type insurance, money management classes to operate.
