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Data:2009-12-12 2:34
Moderator: In recent weeks, "Insurance Weekly" readers an interactive platform to show that although many people have insurance intentions, but because he did not the relevant professional knowledge, and a lack of trust on the insurance agent lead insurance failure. We take the hotline, the reader is often the first sentence: "You This is not an insurance company, right?"
Obtaining a negative reply, the reader was assured that the insured to disclose their needs.
In view of this situation, we the one hand, and stronger communication with the best insurance agents and put them further into the public, on the other hand are also expected to publish a number of counseling knowledge, so that insurance "rookie" also independently insured. This issue we have invited the Shanghai University of Finance and the financial and insurance institutions and China's social security and insurance experts to the Forum, from a neutral point of view as you analyze a relatively greater demand on the market dividend-based bank-insurance products. If the reader interested in insurance products can also be hot 52,729,636 let us know.
Insurance products pros and cons of bank-insurance dividend insurance [product name]
Tai Ping Life Insurance - Growth Plus Endowment Insurance C paragraph (Dividend)
[Product Description]
It is a bank insurance products, can be easily purchased in the bank. A one-time payment as long as 10,000 yuan, they can buy an insurance policy for 10 years, Tai Ping Life Insurance - Growth Plus Endowment insurance. In the 10-year period, you can receive the Taiping Life Insurance guaranteed fixed income, the annual dividend and 10 years later, an additional bonus. Of course, the Taiping Life also offers the choice of other insurance period, but the minimum is 10 years.
[Product Case]
Mr. Wang, a 30-year-old, with 10,000 yuan for their purchase of a Taiping Life Insurance - Goodrich Endowment Insurance C section. In his 40 years of age when the insurance expires. At that time, he can get 10,000 yuan of income is the principal to ensure that income 1510 yuan, as well as dividends. However, if Mr. Wang in the past 10 years, death, the beneficiary can receive is the principal 10,000 yuan, 300 × policyholders insured survive after the number of years, as well as dividends. That is, if Mr. Wang, unfortunately, died at the age of 38, his beneficiaries could be 10000 +300 × 8 + bonus.
And general insurance products to banking, as in the purchase of the product is simple, does not require physical examination, only need to pay 10,000 yuan, immediately get. Also, the gains that you do not need to pay interest tax. The product design includes a double dividend, dividend based on the accumulated compound interest, which makes you more likely to be after the expiry of the insurance proceeds.
[Features]
First, a one-time payment, cash expenditure of large, long duration. 10,000 yuan for anyone not in terms of a small number, and at least be kept for 10 years. Although the insured can be realized through a number of options to ease funding pressure. However, these choices is for the insured, and uneconomical. Therefore, consumers should consider when buying their own near-term spending plans.
Second, to protect less. This insurance product is actually a range between insurance and savings products, has two advantages also weakened the insurance product support functions. After the calculation is very easy to find, if the insured person dies during the insurance period, unfortunately, could get death compensation similar to bank deposits. For example, if Mr. Wang, unfortunately, died at the age of 38, he can be the beneficiaries of 12.4 thousand yuan, as well as dividends.
Third, fixed-income rates of less than bank deposit rates. If you do not take into account compound interest calculation, the product of the average annual fixed rate of return is: (11510-10000) / 10000/10 = 1.51%. The bank's five-year fixed deposit interest rate is 3.6%, even though 20% of net after-tax real interest rate of interest is 2.88%, higher than the 1.51% guaranteed interest rate products. And, with other similar products, compared to the insurance company concerned, the low rate of fixed-income products.
Fourth, the dividends is uncertain. The specific circumstances of dividends each year according to the investment performance of insurers determined. For consumers, dividend uncertainty consumers face greater risks. The possible benefits to be expected as the market environment for investment, the company's investment performance and other factors change.
[Product Analysis]
According to the characteristics of this product, we can easily find, if you want to buy insurance to protect themselves because of the death of a family's loss, it is best to do not buy the product, because the level of protection the product is relatively low. Tai Ping Life Insurance - Growth Plus Endowment insurance suitable for high-income, and have the money, with no greater spending plan. For example, in the near future do not intend to buy a house, car or support their children's education families. Because 10,000 yuan more money to put 10 years is not a small sum. And that the products are also suitable for those with investment demand, but it did not have time and ability to conduct financial management and those who plan to prepare for future savings, pension, those who use their children's education. Although the fixed-income rate of less than bank interest rates, but with dividends and other factors, it is possible to eventually returns than bank interest rates. Therefore, consumers can purchase the product to achieve the purpose of financial management, but it can not be achieved the purpose of protecting (The above are all expert advice and, if different views are welcome to open to question).
Insurance navigation how to buy insurance <br> in investment banking, the insurance is not the best value-added varieties, but with its own special protection functions, especially in the current social security can not fully satisfy the personal pension, health care needs of the case, individuals need to be considered to buy some life insurance for themselves and their families may occur in the future, the risk of doing some basic security. There are some basic principles of insurance ---
Priority in the priority <br> parents insurance should be bought home the most important person, that person should be the breadwinners of the household. For instance, are 30,40-year-old people, old and under on the small, is the most should buy insurance. Because once they have an accident on the family economic base is the biggest hit, especially for some family financial plan is more radical people, especially.
For example, if a family of 30 million mortgage, bought insurance, the amount of at least 30 million deaths and accident insurance is appropriate. If there is any accident, by the insurance to pay the remaining mortgage, and will not allow other family members displaced by lack of ability to pay. Some of the family because of fears for their children's future for the children to buy a lot of insurance, in fact inappropriate. Once home, the main source of income is a problem, for children to buy more insurance, not help.
Security <br> in choosing the insurance category of priority species, you should first select a whole life or term insurance, the former will be more expensive, mainly for to avoid inheritance tax, which generally get about 55-60 years of age, mainly to ensure that other family members, especially children, the main income earners in the family have an accident their ability to live independently has not yet been able to sustain their living. In general, an urban family of three, according to the main income earners of the household responsibility and living expenses, the amount of 50 million from more appropriate. In life insurance, the family should take into account accident, health, medical insurance, often health insurance cover serious illness among the 10-20 million. Overall, life and accident insurance cover to five years of living with debt is appropriate. If conditions permit, you can also buy a little insurance, savings and money management classes, such as children's education, pensions, dividends kind of insurance.
Young people to protect older people re-buy savings <br> for some young people, since a strong desire to consume, you can also buy some dividend-based pension insurance, as a mandatory savings, especially in the current interest rate rise expectations circumstances, the dividend can be part of the insurance against the risk of rising interest rates. However, overall, the insurance just to deal with some unforeseen circumstances, not savings, but not an investment, do not put in too much. In general, the premium can not exceed 10% of annual household income.
The basic principle is that all the insurance money, the individual who suffered a small probability event receive compensation. Insurance is mainly to deal with life risks (uncertainty), such as serious illness, accident disability, death, etc., without increasing the value of function (except for dividend insurance, but it is not pure sense of the insurance).
Therefore, investment in insurance, retirement for the past number of years for people who may wish to invest in value-added features a store of value assets, such as bonds, stocks, funds. In the insurance may be biased towards saving kind of insurance.
In general, individual investors, money and effort are limited, concentrate on work, I take care of the family, Zaiqu studying various investment vehicles and specific asset allocation, it is powerless. Investors can be their own financial objectives and the ability and willingness to take risks, to stay the hands of a part of the cash liquidity to meet their daily needs and unexpected accidents (generally ,6-12 months of living expenses is sufficient), purchase some insurance to confront life in an accident, then please give some suggestions of experts, purchase the right to replace the securities investment fund products for this one, as real estate, foreign exchange investment, with considerable expertise in the investment people can also be concerned about the to spread the risks and enjoy higher yields.
How much economic damage surrender <br> insurance is different from bank savings, halfway surrender would bring certain economic losses policyholders and therefore recommends that the insured will not easily surrender.
If This is to say, we wish to introduce a "cash value" concept. The cash surrender value refers to the insured or the insurance company to lift the insurance contract, the insurance company to refund that portion of the amount insured. Often less than the cash value of the insurer to pay insurance premiums.
The insured when entering into insurance contracts, you will see a cash value table. It may be many policyholders in the insurance did not notice when this form, so insurance companies do not form the impression that claims no credit.
Under normal circumstances, insurance companies, according to the probability of the accident to determine the insurance premium rates, the probability of the high accident rate of the premium, and vice versa premium rate is low. But in life insurance which, as Paying period is usually quite long, as the insured person's age increased, the possibility of his death will be increasingly higher premium rates are bound to rise gradually until the close to 100%, not only insured unbearable , and the insurance has lost meaning. To this end, insurance companies, often used in practice "balanced premium" approach, with mathematical calculations would be required to pay all the premiums the insured throughout the period of smoothing Contributions to enable the insured to pay the premium are the same each . This part of the premium overpayment together with accrued interest, accumulated annual cumulative, that is, the policy's cash value, equivalent to a savings insured the insurance company.
Under the "Insurance Law", the insurance company in the following circumstances occurs, the contract shall be returned to the insured the policy's cash value:
1, insurance companies, according to the regulations lift the insurance contract, and the insured has to pay the full premiums for at least two years;
2, to death as the payment conditions of insurance contracts, since the contract within two years from the date of the establishment of the insured person committed suicide;
3, the insured person caused an intentional crime of its own disability or death, and the insured has to pay the full premiums for at least two years;
4, the insured cancel the contract, and has been more than two years to pay the full premium.
