Category: Insurance tips Release Date: 2006-08-01
First, you have to understand their tolerance for investment risk. If you are more ideal economic situation at present have sufficient courage to take risks on the finance, insurance, and securities has been particularly familiar with, then you can consider investment in connectivity products on the market. Investment in terms of connectivity products since the complexity of the operation is relatively cumbersome, require customers to have sufficient professional knowledge, and the insurance of investment risk is entirely borne by the customer, of course, profit margins will also be larger. The Participating Insurance contrast, the risk is much smaller, the insurance in addition to participating insurance dividends, there are 2% of the insurance bottom line, regardless of the level of dividends will always have a guaranteed minimum income. Therefore, the present national conditions of China, the dividends the insurance is still relatively sound investment for the people of traditional psychological characteristics.
Second, you have to select a good insurance company, can guarantee the dividend income. So the company strength, size, capacity utilization of funds, management level, internal monitoring capability and whether it has sufficient ability to resist risks should be your key to verify the.
Third, you have to find a good agent. Most contact with clients still rely on dividend insurance agent's recommendation, despite the current insurance agent insurance awareness in the population is increasing cases, their quality has also been greatly improved, but you still have to carefully study the terms of the obligation to understand their own and interests. There, a life will follow your life, looking for a good after-sales service agent will give you save a lot of heart.
Fourth, do not forget that all the finance and investment-type insurance most important function is to protect the function, for my own life to provide a risk protection, in order to resist all kinds of eventualities, 10000 non-forest for the trees, one-sided pursuit of investment returns, neglect the support functions. To make a more comprehensive protection of their own, you might consider buying all kinds of insurance portfolio, such as the additional number of accident insurance and hospital insurance.
Fifth, look at the insurance dividend dividend, there must be a long-term perspective, must not and other short-term investment returns to make a simple comparison. Because the calculation is not a dividend policy to the insured basis of premium paid, but rather the value as well as the policy of the insured person's age, the insurance amount, duration and other factors. Such as financial problems in the first years of the policy in force, due to operating costs (including management fees, risk premiums, etc.) high, making the policy of the value is less than the premium paid, but as time goes on, with the policy of the The value will far exceed the premiums paid, and paid after the expiration, the policy continues to accumulate the value of straight right to life.
