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Data:2009-12-12 2:34
Since the New Year, as a substitute for bank savings and bonds of banks and insurance quietly fade. Once ubiquitous period of 3-5 years product rare sight, replaced by 10 years or more than 10 years the product is clearly more suitable for medium to long term financial plan customers.
Short-term bank-insurance gradually withdraw from the market
Banks and insurance because they have slightly higher than the rate of return to savings, both part of the security function, attracting bank deposits and buy government bonds customers.
Past two years, banks and insurance was once a "sales just short" trend, the period from the traditional insurance, 20 years, 30 years down to less than 10 years ,3-5-year product became mainstream, the shortest or even only two years, period.
Ultra-short duration of the bank insurance due to high cost of the issue, and the deadline is too short to carry out effective working capital significantly affected the operating profit of insurance companies, indirectly lower the level of insurance dividends.
Beginning last year, short-term bank insurance products gradually withdrew from the bank counter. It is understood that currently on the market three-year bank-insurance products have disappeared, are still selling five-year period there are very few products, such as China Life's "HOSSONI" Endowment Insurance (Dividend) and life Life's "JLF" insurance.
The long-term loss of flexibility in Bank and Insurance
Currently on the market for over 10 years period of the mainstream bank-insurance products, integrated yields than bank fixed deposits, and due to be floating dividends, partly offset by interest-rate risk.
However, the long-term life insurance in general is similar to 10-year period of bank-insurance products for more than a lack of flexibility. Generally beyond the expiration in order to achieve the expected benefits, half-way will only get back the cash surrender value, subject to greater losses, which is to be a pretty good idea before buying.
The Bank of China Ping An Life to sell a "sure win a lifetime," universal life insurance, for example, if the rate of return by the middle settlement, in the first 5 years average annual rate of return is only 2.4%, lower than the bank fixed deposits; by the first 10 years, the average annual income can reach 3.8%.
Support functions vary
Most customers buy bank-insurance was attracted by its "lazy banking" feature away, but a wide range of banks and insurance market in the protection required to carefully select functions.
If you want to be part of the health insurance, you can choose United States insurance "Decade savings plan," an additional "extended care" allowance while undergoing treatment in the hospital receiving daily medical benefits.
If you want to save their children education, and providing more serious medical care can choose Taiping Life's "little body" a comprehensive financial plan, 10 years after the expiry period of education will be full of gold, and in 10 years to get 18 kinds of major diseases reimbursement of hospitalization expenses. And focuses on all kinds of accidents or traffic accidents to protect the customers can choose a wide range of comparison. A number of insurance companies, bank-insurance products, are generally double the compensation for traffic accidents, traffic accidents, three times the compensation for land and sea and air accidents four times the compensation for support functions.
