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Data:2009-12-12 2:34
Behind the promise of high-yield risk venture capital needed to thin universal operator
Shanghai insurance regulatory risk warning on the purchase of Universal endless: universal insurance products can not be regarded as a substitute for bank savings, consumers are not all of the premium paid for the investment value.
Rely on "capital preservation at the end of revenue + insurance" concept, universal insurance wind and water, became the new darling of the domestic insurance market. Directed at "rate of return higher than the savings rate," the temptation, many people did not hesitate to buy a universal insurance. But the real members of the public to understand the characteristics of this product and how much? Shanghai insurance regulatory investigation found that some consumers due to the lack of basic knowledge of insurance and risk awareness of the weak, there is universal insurance blindly buying the non-rational behavior.
Universal insurance regulators issued to purchase reminders, this product does not mean that universal insurance problems. In fact, on the characteristics of the product, its insurance itself is no problem. As long as consumers purchase and not biased or universal insurance agent for induction of high-yield, carefully protect the description to see the product to understand the universal insurance coverage to meet your needs whether it can be.
Income and general financial product rather
Universal insurance is a link between dividends and investment risks of an investment-type insurance among life insurance, its main characteristic is that both investment returns and enjoy protection.
"Universal insurance" the main reason for selling is due to a period of time, the stock market downturn, the housing market subtle, narrow channels of public finance and investment, and the "universal insurance" to protect the end of pretty down to earth, with possible high-yield returns to win the market recognition.
In general, universal insurance products have to safeguard revenue. Universal insurance, investment and protection of two accounts, as part of policy holders to pay premiums into the Security Accounts, part of the investment accounts, insurance accounts and investment accounts As the amount distribution depends entirely on the insured. Policyholders based on different periods of protection needs and financial situation of the two to adjust to determine the best ratio of investment to protect, so that limited funds to play the biggest role.
The universal insurance annual rate of return refers to the investment account funds the annual rate of return, but not all paid the premium rate of return. This is when consumers purchase insurance universal existence of the largest errors tend to think that they pay the full premium for investment base.
Investment accounts for which funding is concerned, universal insurance benefits and the general financial product rather. Universal insurance because there is security at the end of earnings, so its investment risk is relatively low. If we add the accrued interest and compound interest exempt from tax returns will be higher. Such as the Ping An Insurance, AIA's insurance at the end of the interest rate of 1.75% Allianz Dazhong, Haikang insurance protection at the end of the interest rate at 2.5%, but the actual rate of return at the end of the interest rate will normally be higher than the insurance, the insurance company every month the month, the actual rate of return, its height depend on the company's investment capacity.
Bancassurance version of a different version of <br> is also a universal insurance products, sales channels, different from Paul at the end of earnings are also different. In general, the universal through the individual agents selling insurance products at the end of channel sales proceeds less than the universal banking product.
Insurance company has introduced this year specifically for the development of simple universal banks selling insurance, such as the Taiping Life's "Profit," Ping An Life Insurance's "Win-Win Life", these "bank-insurance version of" universal insurance sold through agents in the past " universal insurance, "that is" a dangerous version of "universal insurance is different in comparison.
The difference is mainly manifested in "Silver Paul Edition" universal insurance amounts is relatively fixed, the insured procedures easier, the product easy to understand, easy-to-bank teller to explain and consumer understanding, the insured is usually only to the bank to complete the policy, and a one-time payment of insurance premiums can be, without underwriting, medical and other complex process.
Meanwhile, the bank-insurance universal insurance will be a corresponding reduction in support functions, but also highlight its investment function. The one risk is usually also has a universal insurance compensation for accidental medical expenses, accidental disability and accidental death and other security projects.
It is understood that "a dangerous version of" universal insurance in the payment of premiums, the insured is to pay an annual premium, the number of premium payments are not fixed, but many of the "Bancassurance version of" universal insurance is asking a one-time premium paid (called "barges to pay"). In general, "a dangerous version of" universal risk relative prominence of the security function, you can add unexpected medical expenses compensation, hospital medical care and many other security projects. But recently a new push for "Silver Paul Edition" has more security features, such as the Taiping Life, "Profit", 50 years of age customers can choose to add critical-illness insurance, without medical enjoy 18 kinds of serious illness for 10 years to protect and ill inpatient care reimbursement for expenses to protect value.
Payment is flexible <br> universal insurance policy holders, Ms. Shi told reporters that her family are doing clothing business, the annual income is not very stable. The reason to buy universal insurance, because insurance agent introduction, this insurance allows under-funded, multi-deposit insurance premiums, while in the funding constraints, you can pay less or even temporarily do not pay premiums. This is not a very stable income of the insured who can better control of existing cash.
Compared with the traditional life insurance, in addition to income stability, a prominent feature of universal life insurance payment and receive flexible. The insured to pay a certain amount of initial insurance premium, generally according to their actual situation, a flexible premium payment. As long as the policy's cash value sufficient to cover the costs associated with insurance policies, customers can no longer pay, and the policy remains in force. And the universal availability of insurance policyholders may be insurable under the premise of an increased premium, or you can according to their need to lower the amount.
Agents exaggerate the rate of return <br> why universal insurance itself is no problem with insurance regulators also issued a reminder to come forward then? Investment risk connected with the earlier similar incident, the problem is found in the agent.
This reporter has learned, whether it is "bank Edition" or "a dangerous version of" universal insurance, the agent did not really tell the old problem is still on the road the development of universal insurance, "thorns." Agents or due to lack of professional competence, or because the pursuit of performance, to earn high commissions when selling universal insurance policyholders intentionally or unintentionally mislead.
Often, agents are seeking an easy way to universal insurance will increase security at the end of two kinds of floating interest rate for savings income and the bank to do a one-sided comparison, the agent will follow the middle income or high-yield calculus final earnings, the number of results are very impressive presentation. However, in the presentation process, the agent of little or no reference to the two accounts to avoid universal insurance and handling problems. Investors do not get to the bottom of the case, the number of surface-induced, and thus go out and buy a universal insurance.
Experts said that universal insurance is generally a long-term pay, although the rate of return at the end of Paul, he faces the risk of interest rate increases in the future. Insurance Actuary's Department estimates a person too: The initial cost of 7.5% of the products, for example, for investors, net of related expenses, the settlement rate this product at least a year to reach 3.4%, to get with the 5-year period of fixed deposit the same in return. At present, universal insurance accounts published in the annual investment return rate is normally 3.3% or so. In addition, as another part of the float proceeds benefits a number of factors of uncertainty.
In addition to agents misleading promotional materials issued by some insurance companies are also suspected of misleading.
