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Data:2009-12-12 2:34
Bank of insurance products is a finance and investment, and security functions in a financial instrument, generally they will be guaranteed basic income, reap dividends, exempt from taxation and other characteristics, is against the main inflation and interest rate risk insurance and therefore favored by investors. Bank counter on the bank-insurance products are more and more customers taking out insurance should pay attention to identifying, selecting the most suitable for their own bank-insurance products.
Choose the right insurance company
The industry to remind investors, in choosing bank-insurance products, the first insurance company to consider the credibility, strength and solvency, as well as experience in product design, and payment issues. If the customer focus on dividend income Zexu compare the insurers, because the distribution of dividends and earnings are linked to. In general, the joint-stock insurance companies, utilization of capital and greater ability, profit-sharing ratio will be relatively high, but high-yield also means high-risk, choose the bonus products must bear the high risk of psychological well prepared.
The election of the Bank and Insurance Products
At present the bank to act more in life insurance products mainly investors should fully understand the self-needs, considering the economic conditions, health status, the current status of medical benefits, family health history and other factors, to select the most suitable for their own products. Many companies are now designing a new product addition to focusing on the customer's dividends, but also focus on strengthening the safeguards, the additional anti-cancer insurance, accidental double protection, specific accident protection. These products are well suited to 25-year-old to 50 year-olds. Some companies have introduced pension products, it is more suitable for 30-year-old to 55-year-old all stages of the purchase, either as old-age protection, but also as a social security supplement.
Considered a good level of return
To make its own funds to maximize returns, the industry have suggested that, first of all pay attention to the protection of bank-insurance product functions; second is to compare the methods and types of dividends, while insurance companies should pay attention to the development of sustainability to ensure that the dividends How many and longer period stability; 3 is currently the bank-insurance products are 5, 10, 15, 20, 25 years or 30 years, the number of files such as the period to choose from a number of bank-insurance products, The longer the period the higher the amount of its basic insurance, which is the base for calculation of higher dividends, while the more obvious the effect of compound interest accumulated. The industry also reminded investors of insurance within the validity period if the surrender, the general cost of certain formalities to be deducted, so must be careful when you surrender.
Comparison of methods Contributions
Bank-insurance products, there are mostly two kinds of contributory manner, one-time Contributions (wholesale to pay) and annual Contributions (period of payment). If you choose annual payments, must arrange their own insurance premium expenditures on and consumption, investment, etc. conflicts. Generally speaking, once a payment is more suitable spare money to investors, while the annual payment is more suited to a mandatory savings-type customers. Industry sources also remind investors that insurance is not the better, there was no difference of equal status, the key terms of the actual product to look at the scope and the specific payment conditions, particularly when you shop around, but also pay attention to the terms and conditions, some of There are additional risks Bank and Insurance products, with the primary insurance coverage at the same time you can enjoy more preferential treatment.
