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Data:2009-12-12 2:34
Insurance dividend risk:
Benefits and protection of both
This year, the dividend risk one's usual silence, and now many people chasing the insurance. The traditional life insurance dividend based on the increased dividend rate function, with a minimum basic security and value-added security dual function, more suitable for those "lazy" investor. Dividend income is only with a considerable risk of uncertainty, though, claimed that sales forecast of 4% dividend, in fact, this is only hypothetical, so when taking out policies should pay attention to two things: First, we must have steady income. First, to choose security risk at the end of high interest rates and dividends. Dividend The business of insurance dividend based mainly on the proceeds of great uncertainty, in theory, yields may also be zero. In order to avoid low yields, dividends began to set up security at the end of the interest rate risk. At present, the dividend at the end of the interest rate risk of the security of 1% -2%, and the Grateful Endowment, such as China Life Insurance 5-year warranty at the end of the interest rate is 1.26%, Haier New York 5-year dividend at the end of the interest rate risk of the insurance is 1.8%. Insurance dividend insurance, insurance at the end of the interest rate the higher the better, and can reduce the risk of low yields.
The second is to choose the appropriate way of dividend. At present the vast majority of insurance companies to adopt the way of cash dividend, that is, when an annual bonus in the form of cash distribution, there are four: Direct to receive cash, the cumulative interest, offset the premium paid by the amount of insurance purchased. These four methods, to take the cumulative interest rates, etc. to obtain maximum benefit. There is also a bonus sum assured to increase the insured amount in the form of dividends, to increase the amount of insurance can be used as the basis for dividends again next year dividends, and does not require underwriting, the contract will be terminated Shihai end cash dividend payment, which kinds of ways to make the final to receive the greatest amount.
Second, to choose according to their own security. Most investors choosing insurance, or to protect the role of value, so much as possible to protect the high dividend risk. Dividends are not high risk protection has been widely criticized, and even that is just insurance, "bubble." Indeed, the same company the same as the dividend premium and regular life insurance, protection of the former but the latter's 1 percent limit. However, as insurance companies continue to reflect on insurance dividends in strengthening the security function, death to increase the amount paid, such as China Life's "Grateful Endowment Participating Insurance", the insurance In addition to annual dividends, but also to provide an insured amount times the disease death protection and three times the amount of accidental death insurance guarantee. Can compare the choice to protect high-dividend risk, risk-averse.
Note that, no matter what by way of dividend, short-term gains are relatively limited. Cash dividends are based on the cash value, while the cash dividend the previous two years the value of risk is relatively small, and even less than the premium paid. With the increase in the number of years, the premium calculated in accordance with compound interest, dividends base increases, revenue will only become greater. Therefore, investing in dividend risk, we should make preparations for long-term investment.
Dividends or risk the final analysis, a kind of insurance, liquidity is poor. Insurance premiums after the insured can not be discretionary, unlike the universal insurance and investment insurance can be extracted with the balance of the contingency account, halfway surrender possible "loss."
