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Data:2009-12-12 2:34
What kind of insurance products to purchase only cost-effective? It is difficult to answer questions of the experts, ordinary people is as in Yunliwuli. From an expert's point of view, although there are numerous insurance products, but they never deviate from its protection of the cases, cost-effective, we talk about? From the people's perspective, I really have a cost-effective one that does not quickly become a millionaire by buying insurance as soon as possible.
An important feature of the insurance principle of compensation is reflected in insurance products, is buying an insurance policy in case risk, the risk will be able to compensate for the losses caused by the principle of reducing the risk of losses. Obviously, such a process and a point on the so-called cost-effective, non-stick side.
In recent years, with the insurance market in-depth development, investment type insurance products continue to come out. Since this type of investment of insurance products to provide consumers with protection features of the same time, the investment function of both, so sought after by the market is also reasonable. But public opinion point of view, it should not be buying insurance, investment as a bait. The level of protection from the entire look, we are still in the stage of low guarantee wide coverage, that is, most of them are the ability to resist risks is still quite fragile, and therefore improve the level of protection is most urgent. Most people only raise the level of protection, and insurance "regulator" function can really stand out. In this sense, cost-effective to purchase insurance products do not exist or not, but whether or not an appropriate question. Consumers in the face of a variety of insurance products, the first thing to consider is that I bought insurance products to bring for themselves the degree of security, rather than something else.
Of course, the basic insurance coverage for those who have a more complete and have some more money to people who, of course, you can select those functions that only exist to protect the product with investment features. But even with the investment function of insurance products, investment is only bright spot to ensure that the basic point.
Therefore, does not matter worthwhile insurance products for individuals, only which one is more suitable himself. If at introducing insurance products to consumers in order to invest as the point of purchase is bound to cart before the horse and eventually move toward an erroneous negative risks to the market. Because it violates the fundamental principle of insurance ---- insurance is to protect.
