Compare with traditional non-dividend insurance and dividend insurance

Traditional insurance products are insurance with a fixed predetermined interest rate, and the products do not have the dividend function. These products mainly include whole life insurance, old-age security, old-age insurance, accident insurance and sickness insurance. Meet the insured's insurance needs for personal protection, personal pension, children's education, health and accidents in the form of fixed predetermined interest rates; Investment dividend insurance products are insurance products with dividend function, including dividend insurance, universal insurance and investment-linked insurance, mainly to meet customers' demand for more return on investment on the basis of covering basic protection.

Compared with traditional products, dividend insurance is close to traditional products in terms of protection structure and form, which is actually an improvement on traditional products, allowing customers to share part of the operating profits of insurance companies while obtaining protection. Universal life insurance is a kind of flexible insurance with variable premium. You can adjust the payment time and insurance amount according to your own needs. Investment-linked insurance is to provide basic insurance protection, more as a fund manager. The premium paid by the customer goes into the personal account, and the funds in the personal account will be used for independent investment after deducting the current dangerous premium and management fee. Life insurance companies usually give customers several investment options, and customers make their own investment decisions. Need to remind you that customers have to bear their own investment risks.

(Note) Buying life insurance is a long-term investment, and short-term investment does not represent the future. Therefore, it is particularly important to choose an insurance company.

The main factors that determine the value of investment products will be the management level and service ability of insurance companies. When choosing investment insurance, we should pay more attention to the following two aspects on the basis of carefully understanding the insurance liability and cost level of the product itself: First, the strength of the insurance company. Powerful insurance companies often have certain advantages in resources and their operations will be relatively stable. The second is the management level of insurance companies, including a detailed investigation of the profitability, previous investment performance and brand image of insurance companies.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.