Dividend really dangerousto when dividends Insurance Tips

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

Five risks detailed interpretation dividend doubts, drew attention to the bank when the sale of dangerous tendency to exaggerate the rate of return


Recently, there are many policy holders to this newspaper report: find yourself through a bank to buy dividend risk is not the real rate of return, such as bank agents say that much. After this reporter has learned, the banks selling insurance dividends during the existence of the phenomenon of exaggerated rate of return, consumers buy insurance dividends this product when there is a certain misunderstanding.

Dividend risk has become the mainstream market, the insurance finance and investment products, which investors added a new investment channels. However, many policyholders with "as long as the money went to vote, when the time money is" the idea, find out what dividends are not blind obedience when the insured risk. An insurance agent selling insurance dividends, freely admits: "dividend risk is only suitable for a small number of those who are prepared." In which the risk is evident. So, consumers in the end should be how to select the market dividend insurance products?

To this end, Sinorama try a few doubts on the dividends to be risk analysis.

Doubt one:
Annual dividends of 5%?
Dividends to introduce insurance products to consumers, a life insurance company agent, said the insurance company's annual dividend distribution of this dividend is 5%. In this paper, reminds consumers that insurance agents are described in dividends is just a hypothetical situation, simply can not represent the product of the actual level of dividends. Often insurance agent in introducing the product when the dividend, saying that "if the annual dividends of 5%, then 20 years, your earnings will be down than to purchase insurance products in the same general much higher." Here is "if" is just a hypothetical situation based on the level of return.

Therefore, the insurance dividend insurance or their own real needs from the start, but not with a demonstration of a dividend of impulsivity choice of the insured. There are many customers eat the "value only income" of the loss, often making incorrect choices, the premium paid even more than their economic affordability.

In fact, the simple dividend rate and do not represent the people finally get the money in the hands of how many. By way of dividend each company is different, and some dividends by premiums, and some amount of dividends by insurance. Person is unable Zhizuo simple comparison.

Wondering 2:
3-year rebate 9%?
Journalists to a bank customer's identity called the customer service hotline, and when he offered to buy dividend insurance products, the Center staff then told reporters the company recommended a dividend risk. The staff member told reporters that they were selling the dividend rate is the country risk is relatively high return, the insured, for each 3-year 9% rebate, you can always return to 80-year-old addition, dividends each year.

In accordance with the staff member's statement of 28-year-old invested 10,000 yuan to purchase this product as an example: the average consumer would think that up to 80 years old, once every three years, returned to profit, you can return a total of 17 times, policyholders receive a total of 1 million × 9% × 17 = 1.53 million, an average annual rate of return of about 15.3 thousand yuan ÷ (80-28) ÷ 1 Wan Yuan × 100% �%.

However, is not true. According to report, for every 10,000 yuan of basic insurance, the insured amount, a 28-year-old male premium payable upon the insured a total of 17,843 yuan. So, back to the current amount of insurance is how much?

The insurance company to launch the insurance products of staff replied to reporters: The insurance products, rebate calculated as follows: The basic insurance coverage to the insured amount of the calculation base, 3-year rebate 9%, rather than the premium paid 9% of the total.

Having said that, three years after the insured, the insurance company is just the basic insurance amount of the return of 10,000 yuan to 9% (or 900 yuan), rather than buying insurance for 17,843 yuan. On this reckoning, the policyholders receive an annual rebate rate of only 900 ÷ 3 ÷ 17843 × 100% �.68%, well below the 3-year time deposit interest rate 3.24% Zhengcunzhengqu.

Puzzled 3:
5 years after the surrender at any time?
In introducing the rebate situation, the staff member told reporters that as long as the insured of the product at least five years, the insured could have been the principal and the distribution of dividends out. However, if the insured for less than five years, the surrender, when we should pay a certain fee.

Journalists can not help but ask: the insured at least five years, we can surrender at any time, really without any loss?
Insurance companies customer service department staff are given the correct "answer": According to the "Insurance Law" stipulates that the insured if the insured person apply for surrender within a year, payable 15% premium fee; and if more than two years, After the surrender in advance how the insured can apply for the return of the number of the principal, you need to when the policy's cash surrender value to be calculated. As for the insurance of the insurance at least five years, whether insured back all of the principal and dividends, and can not be completely guaranteed.

Puzzled 4:
Dividend risk can circumvent the inheritance tax?
"Participating Insurance beneficiaries are the children of the purchaser, through the purchase of the insurance will be able to legally circumvent the inheritance tax?"
Although the estate has not yet introduced, but some life insurance companies have insurance to avoid inheritance tax as dividends selling point. Thus, to the view that inheritance tax rules in specific cases yet to be announced, the insurance company to avoid inheritance tax on the dividend risk of publicity there is a certain misunderstanding.

According to life insurance companies say, tax law after the death of the insured person's insurance paid to the designated beneficiaries of compensation are not taxable income, so the insured person should be movable property into an investment-oriented life insurance, not only can enjoy the exemption from personal income tax basic earnings , but also can be substantial insurance claims without having to pay inheritance tax.

"But the current tax exemption only to the provisions of the insurance compensation for personal income tax, inheritance tax liability if they have yet to be clearly relevant laws and regulations." Concerned people, from the inheritance tax list of countries that are generally exempt amount. Life insurance companies by 50% of the estate tax rate to measure the life of the estate duty saved amount to a larger contrast between the description of data life insurance benefits is unreasonable. To China's Hong Kong, for example, 750 million below do not have to pay inheritance tax, thus the maximum rate of 15%. China formulated the principle of inheritance is a high threshold, moderate tax rates will not be with 50% tax rate across the board. Therefore, insurance companies exaggerate the estate tax avoidance feature is one-sided interpretation.

Wondering V:
Insurance dividends guaranteed feature?
Last year, Mr. Lee for his wife to buy a dividend, insurance, his wife died, unfortunately, the death payment paid only 3.1 million, while the premiums are paid the 30,000 yuan. Like with Mr. Lee, many still ignorant of insurance consumers, in the salesman "both savings and dividends also have insurance" to sell insurance to buy a dividend, but after Chuxian, but receive only meager compensation. Compared with pure type of insurance protection products, the majority of dividend insurance support functions close to zero.

In this need to remind consumers, insurance protection is the first one, the dividends and other additional features not a substitute for its basic functions. He suggested that the return of products for the benefits should pay attention to long-term benefits, in general, to protect the longer term good. In particular, experts advise buying insurance, must be based on their needs, must not blindly follow the trend.

Head of the Department of the Central University of Finance and insurance, Su Hao speech that the family the best professional asset management, financial management on the need to find banks, funds, insurance companies need to protect the find. Insurance protection is the first one, the dividends and other additional features not a substitute for basic functions.