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Data:2009-12-12 2:34
In the new year, every family has a plan needs to be done, then do a good job of planning the transfer of risk I wonder if you have taken into account? Insurance for each family is required, because each one can control the disease or the possibility of injury in accidents. Either for themselves or for their families, do not cherish chances as soon as possible a correct insurance awareness, increase family support capabilities.
Inventory of the lunar calendar is still a lack of protection
According to CIRC statistics, in 2004 a premium income of the country in October ~ 366,933,578,300 yuan, of which 93,652,992,300 yuan of property insurance, life insurance 273.280586 billion yuan, representing growth of 13.67 percent over the same period in 2003, of which 28.27% increase in property insurance, 9.40% increase in life insurance.
From the above data, the residents of the acceptance of insurance continued to rise steadily insured passion. Several large urban population of the country's market survey shows that insurance has become one of their main financial tools. At the same time should see that, behind the encouraging data, some problems remain hidden.
Consciousness is still weak
After 10 years of rapid development, China's insurance industry growth rate has slowed, especially in life insurance, the growth rate dropped to below 10%. Insurance density and insurance, the insurance industry, reflecting the depth of these two important indicators of the level of development than the foreign countries compared to developed countries, there is still a wide gap (insurance density refers to the per capita expenditure on insurance premiums, insurance premium income of the depth refers to the total gross domestic product the proportion of the value). There are many reasons, but the residents of the insurance is still not enough awareness of the role is one of the main factors impeding the insured. 2004 "11.21 air crash," the 55 victims, only 25 people to buy the aviation accident insurance, of which only 13 were also purchased by other life insurance (not including group insurance), highlights the sense of most people's security is still weak.
Understanding of the remaining errors
Residents in the insurance, still there are more errors, typically the "heavy investment, hi savings, light protection," such as a large number of poor to buy insurance protection functions, resulting in the level of protection of national commerce, and not with the growth of premium income提高. Largest insurance department of the Central Finance Professor Hao Yansu in the last year, has given its "insurance bubble" view. One of the evidence as an expert opinion is this: at the same time last year, unfortunately, hit a pair of husband and wife killed in a car accident, leaving behind a young daughter, when the application for payment to the insurance company to help relatives of gold, they were disappointed to find that the husband and wife during his lifetime to buy a kinds of bonus deposit insurance, to pay 3 million, the death payment paid only 31,000 yuan. In China, tens of thousands of people love that kind of savings-type insurance, but in fact, most of the dividend savings-type insurance, the protection provided is very low.
Beginning of the year on how the insurance plan
A comprehensive review of election agent
In order to have the most comprehensive and reasonable protection, it is recommended we must first carefully select insurance agents. Insurance for a person speaking, is a lifelong, dynamic planning. Inspection insurance agents, it is necessary to examine his professional capacity, but also to consider whether he can provide long-term multi-faceted services. A good insurance agent can be from a financial planning perspective, in addition to tailor the right insurance program, but also able to provide customers with the family financial management-related consulting, be the family's "financial adviser."
Insurance coverage are the order of
In considering the choice of what kind of insurance, the basic principle is "to protect investments made after the first, first parents after the children." Residents must first purchase adequate health and accident insurance, including critical-illness insurance, hospital medical insurance, accidental injury and accidental injury medical insurance and so on, should not have the protection is not sufficient conditions, using the money to buy more than focus on investment dividends, insurance, so on its head. In the previous years has purchased a number of insurance residents can be requested after the New Year financial consultants to sort out existing policies to see the adequacy of existing guarantees, insurance and the structure is reasonable. Especially in my country, many families are buying insurance would let their children, parents, but not consider it, this is a very irregularities. Because once the parents of accidents or serious illness, the child is not only powerless, the premium may also be the family's financial burden. If the limited financial resources should be the first to parents, especially the breadwinner insurance.
Rate hike is not a big problem
As for the new year, need to consider whether bank interest rates and other factors on the impact of premiums, for those not yet have adequate health and accident insurance of the residents, this is not very important issues, insurance is important for their own protection instead of the protection of minor fluctuations in the cost, not to mention many medical insurance along with the improvement of people's risk of disease and the earlier age of onset, is likely to price increases rather than price cuts. Whereas those who want to solve their own insurance, pension and children's education needs of residents, the choice of insurance the best choice when the dividend or floating interest rates with insurance.
Derivative function to be considered
For a few risk-protection is adequate family, as to whether we should re-consider the need to purchase insurance, the insurance derivative function. Because we know that the risk transfer is insurance, the role of the core, but not all of the role of insurance, the insurance also derived savings, investment and tax avoidance, and many other features. Of tax, for example, many foreign billionaires have made use of insurance to avoid estate duty, while in China, the introduction of estate duty has also been put on the agenda. In the future, there will be more and more involved in the insurance needs of family assets to take care of.
Investment function to be careful
Currently on the market for investment-oriented insurance products, there are many whose common denominator is to protect both insurance and investment both functions. However, in the case of the same amount of spending, investment and security function diminishing supply, while consumers need clear understanding of their purchase of an investment type insurance purposes, different purposes, choose the direction to be found.
If it is for their own old-age pension or children's education, we should choose the principal security of insurance. There are several currently on the market with a "bonus" feature of the pension and education, insurance, consumers can choose from. But we must understand that the level of annual dividends is uncertain, do not believe in the individual insurance agents and irresponsible promise.
If investment purposes is not very clear, but the hands of some spare cash, I feel is not worth the deposit banks want to change types of investment vehicles, this situation can be considered universal life insurance. Universal life insurance as a non-traditional life insurance, its timing and amount of premiums paid are not fixed, most of the basic guaranteed interest rate for a remedial preferences yield the same time, the pursuit of higher returns customers. However, universal life insurance funds, should be identified to consumers in the short term will not use the funds, if the insured after a few years trying to get out of the money would be better records of bank cost-effective.
If purely for investment money, you can even consider voting for the insurance. But since it is investment, the profit loss is possible. Consumers to purchase shall be based on the family's risk tolerance, and personal investment preferences for further consideration.
In short, these types of investment risks of insurance products from small to large order of dividends, universal, investment company, and its benefits may be given the size of the order of just the opposite.
Final point to emphasize is that if the use of insurance products as an investment tool, should focus on long-term investment. Relatively speaking, it is in the short term the possibility of higher returns than stocks, but its long-term stable income for many investment instruments can not be compared.
