Expert Weapon insurance fraud three typical path Insurance Tips

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

In introducing the individual salesperson to a 20-year life insurance premiums to pay, not to explain it needs to pay 20 years would be paid all the premiums, but telling people to buy insurance for a year need only pay insurance premiums do not have to Contributions of another. So, someone got cheaper as only the premium paid for a year after the really quiet at home, waiting to pick up the money.

Life insurance is a kind Contributions over 20 years of contributions to the form of installments. Contributions in this manner, regardless of insurance to buy after three years or five years after the money, pick up the money, or illness and other circumstances to pick up the money, in short, people will pay life insurance premiums should be focused on to 20 years inside, and is a continuous Contributions. Clearly, the continuous 20 years to pay money to be able to enjoy the things that money just to pay for a year is impossible to enjoy. The result? Only in the second year after the insurance lapse.

In fact, some salesmen in selling products when you like to compare the two companies, in order to display one's own low-cost, individual salesman to sell his 20 years by means Contributions Contributions of years with other companies to the 10-year Contributions Annual Contributions means a direct comparison. Obviously, buying the same things, over 20 years Contributions of money each year to pay the score certainly pay less for 10 years. Because this so-called per year Jiaoqian is necessary to pay more money for the 10-year terms.

Insurance which is not and savings ratio

Some people were well aware that the method of calculating return on investment, so they want to know the overall return on the insurance when calculating the rate of return compared with bank savings, in addition to the above-mentioned encounter rate will be scheduled to say that returns are circumstances will also encounter some insurers who sell to them, said: "Insurance is to protect, we can not count, can not be compared." (main financial transaction, synchronization, tracking my wealth ...)

"Insurance is a protection, we can not count, can not be compared," This sentence really is a "exquisite." This represents the insurance seems to fundamentally the nature and very image. If a step further, by people who hold this view are three theories thrown depending on the circumstances. First, the rate of return does not recognize the insurance that the insurance is not an investment, is to prevent risks, can not be called return on investment, so there is no return. There are no returns, naturally there will be no rate of return can be considered. Second, even if the recognition of insurance in return, but stressed that people do not know when the risk occurs. Do not know when it will appear the risk, they do not know when it can receive or After receiving the insurance payment. Since the End of the money when received or withdrawn do not know, we should calculate the rate of return in advance of course, does not arise. Third, even if the recognition is able to calculate a certain time in the future receive the insurance rate of return, but that insurance is protection, and savings are not the same thing, it can not compare. Since the insurance can not be compared with the savings, then calculate the rate of return the insurance does not make sense. So, to start in every respect, it should come to buy insurance, do not need to take into account the conclusions of the rate of return.

In fact, the insurance had been Jiaoqian and pick up the money, there is return, there will definitely return on a collar received or End of insurance period, a certain time, they certainly have the rate of return on rate of return is a matter of course be able to calculated.

Cross two decades, old-age pensions had been lead

With regard to old-age insurance, many people have heard of the case "only need to pay the money twenty years, the pension can continue to receive go. Limited payments, for life to receive. To your old time, you can receive a monthly pension from the insurance company King of the. At that time, carefree way to live what would be a pleasant thing ah! "

Think of really good, Contributions are limited, to receive a lifetime, definitely buy this insurance, and that time we have no worries.

But did not say how much money each year to pay in the future how much money each collar. Why is that? The answer is very simple, because they can not explicitly stated, at the beginning said, xing XU many to understand the role of interest rates and inflation, just one person will no longer have any interest. So, really can say when a link is established after a certain point, this time among the tricky course, but also implies the.

In addition to did not say how much money, the remark also includes a set that is "limited Contributions" to the "lifetime to receive." Most people are accustomed to the infinite finite. While everyone knows that the limited life a little bit longer, but with a limited right to life, people seem to be unconscious on using the limited money to buy an infinite feeling.

Possible with limited money to buy get unlimited income than that? (Tan laughs)