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Data:2009-12-12 2:34
Banks need to know the difference between financial management and insurance, financial management, first you must understand: the current insurance market is mainly concentrated in the financial variable life insurance, universal life and variable universal life insurance, three varieties. These three products will generally be paid by the insured the premium assigned to two accounts: policy liability reserve accounts and investment accounts, the former is mainly responsible for achieving the policy of the security function, the latter to invest to achieve the policy proceeds.
Banking finance and insurance, financial mainly the following aspects of the differences:
┿bank financial product is not with the security function, but there are life insurance, insurance, financial protection features variable life insurance payment is fixed, the death benefit in the policy, the part of the policy agreed by the reserve account commitments fixed minimum amount of death benefit, in part, its investment account the amount of investment income. Each year, the proceeds of funds depending on the situation, the policy cash value will change accordingly, so the amount of death benefits paid, that the level of protection is constantly adjusting to change.
More flexible universal life insurance payment, you pay the first premium at any time, with an option to pay any amount of premium, as long as the policy's cash value sufficient to cover the costs associated with insurance policies, and sometimes you can not pay premiums. In addition, you can also die according to their need to set the amount of guarantee that the discretionary premium reserve account and investment accounts in proportion. Therefore, the death insurance coverage is usually divided into two ways: A, the death benefit is fixed, is equal to the amount of the insurance policy; B, death insurance payment may be due to changing circumstances, is equal to the amount of + the policy of insurance policy cash value.
Variable universal life insurance death benefits paid much the same situation and universal life insurance. But needs attention, universal life insurance portfolio investment account by the insurance company decided that it wants to commit to a minimum benefit of policy holders; and variable universal life insurance portfolio by the insured to decide, he must bear all the investment risk, once the investment fails, he can not any time for the reserve account to pay the policy's cash value will be reduced to zero, the policy will be ineffective to protect the complete loss of function.
┿capital gains is different <br> bank financial products are mainly taken by simple interest, that is, a certain period, a certain amount of deposits will have a relatively fixed income space. Both fixed-income or adoption of a floating interest rate, in the fiscal period, the banks have adopted a single financial product benefit.
Insurance, financial products are different, most have opted for the calculation of compound interest. Namely, the period of insurance, investment accounts, cash value in years as a unit, to compound interest.
In the insurance financial products, variable life insurance may not dividends, but also can be shared (mostly domestic dividend-type), if the dividend will be committed to a bottom line earnings, dividend funds or used to increase the policy's cash value, or directly to reduce the amount of premiums paid; universal life insurance proceeds will be committed to a financial bottom line, usually 4% of annual income or 5%; and variable universal life insurance is not commitment, funding, profits and losses borne entirely by the policyholder. Choose your variable universal life insurance should pay attention to some agent to produce the "capital income statement" is only the profitability of insurance before, do not represent the future of "some" gains.
┿draw different degrees of flexibility. Bank financial product has a fixed term, if the depositors withdraw because of Ji Yong need to be flexible, there will be loss of interest
Financial situation of the insurance sub-funds drawn a few:
First, the flexibility to withdraw, such as the life of the contract, the insured may be required to receive investment accounts part of the cash value, but the amount of insurance under the contract also in accordance with a corresponding reduction in the ratio will affect the level of protection. If all draw, we must deduct the cost of loss reserve account (because you have some time to enjoy the death of security), so only the return of the policy cash value, will cause more damage. In reality, many of the insurance company universal life insurance products to meet the financial needs of policy holders, in the account management, emphasis on "protection of small investors more" strategy, if you pay a 10 yuan insurance premium, which is only 2,000 yuan out with the reserve can be made the responsibility of the remaining 98,000 yuan for financial management, and can be flexibly drawn.
2 are not allowed to withdraw at any time until the expiration of the insurance, the death to protect the value of gold and investing the cash accounts at once return.
Currently, insurance companies and banks introduced the product is very rich, in addition to the above three major differences, specific to each bank and insurance companies, financial earnings, cash withdrawal and costs of the relevant provisions are not the same, you need to choose their own visual .
