Investment-oriented insurance is not all meal Insurance Tips

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

Recently, the investment-oriented insurance the insurance market has become the mainstream products, which investors added a new investment channels. But it is undeniable that many people went, to buy "As long as the money went to vote, when the time money is" the idea of blind obedience not find out how about the insurance. However, an investment linked insurance business insurance companies are no secret: "investment-type insurance is only suitable for a small number of those who are prepared." In which the risk is evident. So, in the end should be how to select the insurance market, financial products?

Invest in investment-oriented insurance risk varies <br> essence, is a part of the insurance premium for the right to safeguard policy holders, while the other part of the funds will be separated from the insurance company "Valet financial management." Available in the market for investment-oriented insurance products are mainly divided into: dividend insurance, universal insurance and investment linked insurance. Commitment to customers entitled to a fixed dividend risk insurance benefits, universal commitment to security at the end of insurance proceeds, investment and insurance company undertakes no obligation to protect the end of revenue. Sorted in ascending order of their risk, but the higher the risk the greater the reward. Commitment to customers entitled to a fixed dividend risk insurance benefits, so once the poor investment, insurance companies must own "pay" to fill the difference. Universal insurance and investment insurance company actually refers to policyholders invested funds have been allocated to protect the accounts and investment accounts. In addition to basic security function universal insurance against the impact of investment performance, there are the most basic security at the end of the income. Industry analysts say, but also precisely because of this, under normal circumstances, in the stock, bond market for the better cases, the investment yield will be even more dangerous; Once the stock and bond markets to low, there are insurance proceeds at the end of universal insurance advantage of the highlights out.

Understand the three kinds of investment-type insurance in the different points of emphasis, the consumer must be clear that the investment risk insurance premiums incurred by the relatively traditional insurance is relatively high: Suppose the traditional insurance and dividends receive the same protection insurance, traditional insurance needs the insured to pay 10 yuan, then the dividend insurance policyholders may be required to pay 11 yuan. This is mainly because of 11 yuan, 10 yuan for the exercise of security functions, while the remaining 1 yuan was used for investment; due to investment risk, dividends will be a corresponding increase in insurance premiums. The industry explained that the dividend of 1 yuan for investment risk may lead to greater benefits, so that eventually paid off the entire 11 yuan to 10 yuan more than the traditional insurance.

Investment risk should be carefully selected <br> reporters learned, the investment-type insurance is a medium long-term investments are generally two or three decades of long-term variety, regardless of the stock market advantages and disadvantages of short-term gains are not too high, the long-term holds is rather cost-effective. Jilin, China Life, according to staff analysis of the business, dividends insurance for risk-bearing capacity is low, there are sound financial management needs, mainly want to protect policyholders. Universal life insurance is suitable for greater elasticity of demand, lower risk tolerance, want to have more choices of insurance policyholders the right. Investment-linked insurance is suitable for a higher income, with a rational investment philosophy, the pursuit of high-yield assets also have higher risk-bearing capacity of the aggressive investor.

Public investment, the right mentality is to invest insurance proceeds in a segment in a long time to examine the short-term riches can not and the reality. Insurance experts suggest that the dividend for the fixed-income insurance products, such insurance proceeds the rate is fixed, the scope of protection is also fixed, but because the insurance during the period of 1 to 5 years over a shorter period, resulting in more suitable are willing to short-term investments without the risk preferences investors; while for universal life insurance, short-term mainly due to the period of insurance, so there are idle at home for money, while the risk-bearing capacity and low investment demand is not high; the cast with relatively high levels of product revenue, but to the greater risk of customers. As the vote even when the risk in the design is tailor-made for long-term life insurance, and therefore more suitable payment period of 20 years to 30 years investors. In addition, the cast even the insurance proceeds is not fixed, should be decided according to their suitability for a specific purchase when you buy them you have to set the most appropriate amount of protection.

The industry also reminded, in the purchase of an investment-type insurance, the insurance company's experience can not be entirely based on statistical data to assess the amount of insurance proceeds, we should also refer to bank deposits, bond market and fund market rate of return to three comprehensive consideration.