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Data:2009-12-12 2:34
Based on priorities and economic strength, a family insurance policy can follow a certain order. Under normal circumstances, first of all to buy insurance policy should be to guarantee type, namely, accident and health insurance and, secondly, we can consider the nature of life insurance with a bonus, pension annuity insurance, and finally emphasis on investment-linked insurance functions.
Accident insurance is generally divided into accident insurance and traffic accident personal injury insurance, but also the unity of the two. Casualty insurance period of one year, low premiums, but not return. Major insurance health insurance major diseases, through the purchase of major disease risks, once diagnosed, unfortunately, seriously ill, the insured person can immediately receive compensation from insurance companies to cover medical expenses.
In the finance and investment-type insurance, dividends and insurance refers to insurance companies will be operating results, according to a certain percentage of customers assigned to life insurance products, both can get a fixed insurance coverage, but also effectively avoid interest rate volatility and inflation risks, tend to become an insurance rate hike expected that the next option. It is worth mentioning is that dividends tend to pay attention to insurance by way of dividend, such as the Taiping Life's "Blues to" adopt "English-style" "insured amount dividend" approach, namely the annual dividend is not the form of cash, but to direct increase in basic insurance amount, the customer no physical examination, which to some extent, alleviate inflation could lead to "protect the devaluation."
Even insurance is a financial investment and insurance and investment in a new insurance, insurance is included feature and at least in possession of certain assets of an investment account the value of personal insurance products. Account the protection of investment with insurance funds for basic risk protection, and investment accounts by professional financial management of funds are operational. Because investment returns and risks, so vote with insurance for a higher income, have a certain risk tolerance of people.