Category: Insurance tips Release Date: 2006-08-01
In fact, they have their own advantages and disadvantages, in the understanding of their strengths and weaknesses, how to choose depends on you.
(A) An insurance company standards are all contributory insurance actuarially, with its interest rates for the same period cf enacted. Wholesale delivery and staging of a one-time delivery can be decades Zhengcunzhengqu regular savings and Lingcunzhengqu to understand the difference. Although the mature insurance industry to guard against the risk for the purpose of, and saving different, but in China, insurance or with savings are interdependent, the premium is reflected in bank interest rates approved by a barometer. So, just to see the difference between the premium listed on the schedule, we simply determine the "wholesale delivery period of the delivery of the score cheap" is not appropriate.
(B) As the pay difference can enjoy the insurance benefits are also different.
1) The premium waiver benefits. If the insured period has not yet filled in the Paying Chuxian when they were not clear that part of the premiums paid could be dispensed with, and affected access to insurance policies in full compensation.
For example: There is a policyholder when taking out policies, economic conditions can still be, his eyes on barge delivery of the "cheap" and "save trouble," which therefore can be divided into two decades of this Yicijiaoqing to settle their premium amount is 30,000 yuan. However, two years after the entry into force in the insurance policy, he, unfortunately, cancer, the insurance company paid him 70,000 yuan, 30,000 yuan already paid the premium is not refundable. If the policyholders choose to pay twenty years, then he Chuxian before a three-year total of only 7,000 yuan to pay the premium, the same access to the full compensation for 70,000 yuan.
This provision for those non-refundable insurance premium is particularly important to enjoy the same protection, wholesale delivery and staging of the pay is the phase-path court. Volume of business now accounts for a considerable share of the insurers of disease risk, more than one year after the commencement of the provisions of the policy Chuxian, refund of premiums already paid to obtain insurance, 10% of the amount of compensation; year after the Chuxian, reclaim premiums, access to the full compensation. Therefore, there is exemption clause of the insurance premiums, the possible, must be taken into account.
2) may bring additional insurance benefits.
The insurers In addition to providing primary insurance products, but also for policy holders to provide the same series, with the main responsibility for the formation of complementary insurance, and the security responsibilities of the additional insurance is more practical. Purchase additional insurance, but on condition that: only the main risk in the insurance, and in the main risk period under Contributions can only be insured add insurance. Thus, if we adopt wholesale purchase primary insurance paid, and paid only once on the termination of behavior, of course, would be unable to purchase additional insurance in the new.
For example: Mr. A purchased two years ago, five copies of the return-based old-age insurance (which belongs to the primary insurance), then choose to pay wholesale. Two years later, taking into account the risk of a new work for relatively large, he would like to protect several "accidental injury insurance," but because of this insurance are additional risks, Mr. Wang's main risk is to pay wholesale, so he ultimately failed to Ru Yuan.
In the future, individuals for their life and the burden will become increasingly larger commercial insurance purchased by individuals will be increasingly common. With the development of the insurance industry to adapt to new insurance requirements will be more and more, and that the different stages of personal life insurance requirements vary, subject to change is inevitable. Wholesale AC belongs to a one-time transactions, the future is unlikely to think about a change in the.
3) The additional interest again
Some provisions to provide additional insurance, the amount of interest once again, this is another outstanding installment payment of insurance benefits: If you feel that too few original copies of insurance purchased to protect the low, and the original sum insured has reached 50,000 yuan or more, Contributions can be the standard by the original purchase value of an additional 20% of the original insured amount of new insurance. Similarly, this provision only applies to phased Contributions way, wholesale delivery do not enjoy such a right.
Many people in the initial purchase of insurance, either because of economic reasons, either holding the psychological testing, are not buying a lot. Once the discovery is the meaning of insurance, and there was an additional willingness to pay on the wholesale limit this flexibility.
(C) In addition, taking into account inflation, this trend, installment may well be a wise move. No matter how the interest rate level over the same period, the premiums are paid according to the policy convention closed, free from external economic environment. Wholesale cost of delivery is developed under the current interest rate is assumed on this basis, after interest rates unchanged, so delivery is a fixed number.
(D) wholesale delivery has many advantages, it is relatively inexpensive and convenient. Many people who choose this way Contributions are based on the stability of their work is not enough, but they just have more money in the hands, in order to avoid future changes in circumstances occur delivery difficulties, suffered the loss of surrender, they chose the way of cross-barge .
