Fiscal year 2004 inventory of two trends in the insurance concerns Insurance Tips

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

This year's insurance market, which is called "a turning point in the insurance industry." From a negative growth of life insurance to the "bubble theory", from the third party liability insurance continued to be suspicious, to gradually broaden the investment channels for insurance, domestic insurance industry grew by nearly gone through the process of the Cross. However, from a financial point of view, and funds, banks and other financial types of wind and water compared to many of the insurance to be dull. There are two noteworthy trends in financial management.

Trend 1: Insurance new "ends of" development

The new varieties this year, insurance companies, there are two distinct directions: First, take the package routes, the pursuit of large and comprehensive. Number of individual insurance that is designed by an actuary to re-modulated as "authoritative formula," a convenient propaganda, but also to facilitate tailor-made for specific groups, like the Taiping Life's "Fu full house," safe "three-hung combination" are to this class. Type of insurance because of the relatively complete, the price can not help but be somewhat higher for middle-income populations; The second is the "special" line, and the pursuit of a small but fine. In fact, aimed at specific products, practices and crowd out the specific protection of prescription. Such as "domestic service insurance," "wedding accident insurance," and even providing insurance for the laptop computers, etc., of insurance to the details of the development of tentacles.

Overall, if the policy has been a good few on hand, you can not have packages, and may choose from one danger to add more cost-effective. Of course, whether or specific types of insurance packages can be content with more and more also means that more take more solid financial foundation.

Trend 2: Preparation of investment-oriented insurance favored

While security is the most essential content of the insurance, but with the people's "money begets money" concept reinforced, there are benefits to the investment-oriented insurance, pure protection-type insurance than be more popular. Which in the past selling insurance on dividends has been verified.

This year, even as the investment risk, fixed income-based insurance, universal insurance and other investment-oriented insurance after another, people can use the insurance financial instruments richer. The interest rate hikes, some investment insurance sales, increasing rather than reducing. To universal insurance, for example, such as "Friends of the bangli Treasure," November sales results were ahead of October 1 more than doubled; Allianz Dazhong also take this chance to introduce "flexible financial management OurGame whole life," the commitment of financial accounts to the minimum guaranteed annual interest rate of 2.5% desires to take a slice in the universal insurance market.

Despite the enthusiasm for the relatively high investment in insurance, but insurers believe that the insured can get the number of investment income will depend on insurance companies and financial match status. The insurance company's investment from the current perspective, the benefits of space fact very limited. Together with such investment-type insurance because the "mutually exclusive", it means the same security needs of more premium expenses, so people joining the ranks of the insured when you need to do what.