Analysis of the characteristics of financial products of insurance companies

The base return of the insurance company's financial products is not high, but because it is a medium- to long-term investment, almost all companies will automatically compound and roll over the customer's investment returns from previous years without collecting them, so that in the medium to long term, a more satisfactory level of return will be achieved. Which is the strongest insurance company, I just happened to organize the relevant content, I hope to help you: the latest list! The top ten insurance companies in the country

Analysis of the characteristics of financial products of insurance companies

There are various types of financial products of insurance companies, and the financial status of insurance in the family is increasingly prominent, so what are the characteristics of the financial products of individual insurance companies? Only by understanding the relevant characteristics, the policyholder can be more accurate in the choice of products. Its characteristics are: for the PICC insurance how, I just happened to organize the relevant content, I hope it will help you: China PICC is good? What insurance is worth recommending?

1, the source of policy proceeds

In terms of the way the proceeds are distributed, with-profits insurance through the allocation of the previous year's profits to increase the amount of coverage, direct cash to customers; universal insurance is in addition to provide investors with a guaranteed minimum settlement rate, to the actual investment income after deducting a certain asset management fee rate of the level of the rate of return decided to declare a settlement interest rate, usually higher than the minimum settlement interest rate; the return on investment-linked insurance depends on investment returns and is not fixed. In contrast, investment-linked insurance may have the highest return, but also the greatest risk, because the profit and loss is responsible.

2, the company charges

Participating in the cost of insurance is implied in the product pricing, the insurance company will not charge additional fees during the insurance period, investment-linked insurance and universal life insurance is transparent, generally including the initial fee, policy administration fees, surrender fees, investment-linked insurance and clear investment account management fees, while the universal life insurance is implied in the settlement interest rate formulation. In the strategy, investment-linked insurance also has a buying and selling spread, which is similar in substance to the initial fee, and is used to discourage customers from ordinary buying and selling. , usually investment-linked insurance, universal insurance payment within the first five years of the fee charged higher, payment within five years of surrender, the loss is greater. So if you buy the wrong insurance, do you want to surrender, surrender how to surrender in order not to lose money? Can you get a refund if you buy the wrong insurance? How much money can be refunded by surrendering the policy? How to surrender the full amount of insurance?

3, death benefit

If the insurance, the customers who bought the participating insurance, in addition to the protection of the insured amount, but also to add the unclaimed dividends. After a customer who has purchased an investment-linked insurance policy is insured, the insurance company will compare the value of the customer's own investment account with the value of the insured amount and pay the customer the higher of the two values. The death benefit of universal life insurance is the sum of the insurance amount of this contract on the date of the insured's death and the policy account value of this contract on the date of the insured's death.

4. Transparency

Participating insurance is less transparent because its capital operation does not need to be explained to customers; investment-linked insurance investment part of the transparency is higher, the proportion of fees charged will be listed; universal life insurance will be announced every month or quarterly investment yield.

The above is the analysis of the characteristics of the insurance company's financial products, to rely on the insurance to get rich, the most critical still depends on the insurance vision, as well as on the insurance financial products of the industry dynamics can be well grasped, and finally have a meticulous heart, so that in the insurance will be a lot less detours.

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