Category: Insurance tips Release Date: 2006-08-01
Function of life insurance savings
Should be said that life insurance is not only saving feature, as well as investment function. Adoption of a balanced system of life insurance premiums, net premiums for the holding and most of the reserve, which is the insurer's liability. In order to realize the insured person's commitment to ensure solvency, life insurance companies must take advantage of these reliable reserves of capital gains in order to obtain sufficient return on investment. Therefore, life insurance, in addition to access to protection, is also an investment and savings, the insured can receive investment income from insurance companies ─ ─ ─ ─ dividends and interest on savings and earnings. And the insurance policy owner can also enjoy, such as mortgage, surrender, choose the right insurance premium payment methods.
With the improvement of China's financial markets, people's income level increases, buying life insurance, stocks, bonds, treasury bills, commercial housing, also become the choice of value of currency hedging. Life insurance costs generally have three components: accident insurance, sickness insurance and value-added insurance death. The first two are the main functions is to protect the premium the insured due to accident, disease, accident or death caused by the high residual losses, can be seen as a kind of consumption; value-added part of the premiums main function is to add value in accordance with the policy interest rate intended to meet the income person's pension, school and other needs, with the investment function. China's insurance market life insurance insurance, complete functions and most of the insurance of a general nature, from the risks, supportability, reliability, and profitability point of view, with investment function. But also in the personal insurance will also enjoy a certain degree of preferential policies, such as tax exemptions and so on, as compared with other investment instruments, which is also quite excellent.
We use a simple formula to calculate the insurance value of investments:
1 yuan insurance = (ten years) may lose your Chuxian 1,000 yuan + (decades later) 1 yuan Principal + Interest (income).
Of course, you better not crash, you will get at least 1 yuan insurance = (decades later) 1 yuan Principal + Interest (income).
Starting from the fall to earth, they can participate in pension insurance. If the parents of their one-year-old children of a one-time purchase of a 150 yuan pension insurance, and children over 55 years of age, you can receive 100 yuan per month until the death of the deceased, can have a one-time receive 2,000 yuan. If the child lived to be 75 years old may receive a total of 26,000 yuan, live longer receive the more. Not yet reached pension age died, as long as the insured the time for half a year, can receive 2,000 yuan, a result of accident death, then at any time can receive 2,000 yuan. No matter how, but this would have been worth 150 yuan.
The most typical means to invest in bank savings ─ ─ formula for what is it? 1 yuan savings = (decades later) 1 yuan principal + interest (interest rate changes with the rate of inflation adjusted).
Investing in stocks formula is: 1 = 1 yuan worth of stocks of principal + earnings uncertainty; or, 1 = 0.1 yuan worth of stocks of principal. It can be seen, the insurance is a safeguard, but also both return on investment.
The savings of the role of family property
Family is divided into two kinds of property insurance - property insurance and the average family family property Endowment insurance. Endowment insurance, family property which has a disaster compensation and the dual nature of the savings. In other words, the insured is saving the form of premiums to the insurance company, the insured, the insured to pay a fixed insurance, savings, savings interest transferred to the premium, the insurance expires, whether during the period of insurance whether there has been paid, the insurance savings are to be returned insured. However, because the current bank interest rates low, some insurance companies have stopped selling the insurance.
