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Data:2009-12-12 2:34
Used to cost-conscious people are buying insurance, the former Director to ask a clear: The insurance policy in the end worthwhileå‘€? Of course, before signing to pay contract research should be a careful and aware of their own pay and benefits. But experts advise, buying insurance, first and foremost to seek protection, and can not simply equate with the investment, and some insurance is difficult to accurately calculate the input-output ratio.
Chuxian is not cost-effective
Some people consider taking out insurance somehow to such concerns: I am physically quite healthy, if not disaster insurance, no sick during the period, then vote for medical or accident insurance on the white flowers of the money is not it?
Insurance experts say: What is a cost-effective? Chuxian is not cost-effective. For the insured, the nothing happens, of course, is the best out of the unfortunate event of illness or accident, the insurance payment is only used to compensate for economic loss, it is difficult to make up due to illness, lost loved ones caused by mental suffering. We buy insurance purposes, not because some people go, but because someone wants to go on living. Eat grains, who can no disease, we must face up to reality, may face risks, buying insurance, multi-family considerations, rather than an individual.
Are not exactly the same as investment
Many people have insurance, as with stocks and bonds as investment instruments. Indeed, like life insurance and other varieties of both investment and savings functions, the insured's premium, after deducting the management fee, the remaining part of the investment operations of insurance companies can add value. But now, many insurance products are also available to protect and investment capabilities of hybrid products, bought in the end worthwhile, can not simply be considered clear enough of. If you just want to be a fixed or a higher income, you might as direct purchase of bonds or funds.
Comparison of the Chinese preference for insurance with the investment function of species, like to get back the principal amount to measure whether the insurance is a "good" or "bad", I feel pure protection products do not get the money back, "not cost-effective." For example, I called this expert: Everyone hopes handed such a faithful friend, in the unfortunate event you are after, "he" is willing to pay your family five years of living expenses. The need for cross-friend communication costs several hundred dollars a year, are you willing to do so? Most people would say "yes." The friend understood as insurance, communication costs several hundred dollars interpreted as a premium, it may be easier to untie mind the "worthwhile" in a lump.
Period of low interest rates, buying a life insurance
Some people see a work colleague a few years ago in a time of high bank interest rates to buy high-return fixed-income insurance envious admiration Unfortunately, this opportunity has never came back by. People are now buying life insurance consultation, the most hesitant is the "interest rates so low, to buy life insurance is not cost-effective?" After several rounds of the current interest rate cut, interest rate cycle is expected to come. To remove the worries caused by rising interest rates, buying life insurance when you can choose to invest in dividend-based insurance products, such as insurance, investment linked insurance and universal life insurance. Of course, the experts advise purchasers of insurance policyholders, the best stable of high-income, and have the ability to bear the risk of long-term investment. Once satisfied with the current due to low yield and surrender, it will cause damage.
