Today, talking about money management, people no longer think of stocks, funds, treasury bonds, financial management and some type of insurance is also included in the field of vision. Many insurance products because of the unique features protection of financial management, asset allocation investors occupy an important one seat. It is understood that so far this year, more than the province's insurance financial-insurance premiums increase significantly.
At present, the stock market downturn, "Ruoshi" how to choose financial-insurance, but go a long way "Road."
City, state of the market:: cast even risks "losing" universal insurance, insurance dividends Hot
"So far this year, insurance-based financial management in the province of any one insurance companies, insurance agents, increasing the monthly premium of about 50% -70%. January to July, the company's financial-insurance premiums increased by an average of 70%. "Sung Woo Hebei Insurance Agency Ltd., said Deputy General Manager Liu Liming.
Reporters in the capital of commercial banks are also more than that, this year, insurance-based financial management in the very best Bancassurance channel has become the choice of many people.
Taiping Life Hebei Branch Banking and Insurance Manager Wang said that last year had sales of the vote even dangerous products, has been the loss of attractiveness, the company this Bancassurance channel will be the main products to universal insurance and risk sharing. To the company's financial-insurance products, for example, peace, "more profit" (universal type), peace, "Sheng Ying B, Sheng Ying C" (-dividend) sold this year has been quite good.
Liu Liming, even for risk in the stock market "bull market", the better earnings performance, but the event of fluctuations in the stock market, it is highly possible negative earnings, earnings may be high, but the risks are also high. Customers with complete self-investment "losses" even for different insurance, universal insurance is the biggest feature to provide customers with security at the end of the proceeds, at the same time in accordance with the monthly settlement of declaration of the monthly rates for the balance of clearing accounts. In the capital market downturn, these products against the market trend of rising interest rates to the settlement of certain customer confidence. It is understood that the market risk capital at the end of universal interest rates generally in the range of 1.75% and 2.5%, such as the safety of the gold color universal life insurance protection at the end of the year to 1.75 percent gains, China Life's "universal Ruifeng risk" capital gains at the end of 2.0%.
Although Qiushi everywhere, the market has smell of winter message. Reporters from the province more than a few days ago was informed that the insurance company, has been steadily rising this year, universal insurance rates down from the beginning of September. China Insurance Regulatory Commission has insurance investment type insurance issued orders to reduce the size of the premium and the size of the network, security-replacement insurance. Prior to the China Insurance Regulatory Commission pointed out that the responsible persons in public, requiring the company to the attention of the investment-type insurance products, assets and liabilities of the match, controlling the risk of investment, smoothing the attention of universal risk insurance and dividends benefits. This means that so far this year to support the Bank's insurance business Xiongqi --- the two main pillars of universal insurance and insurance dividends, the return of the ultra-stimulating obviously difficult to continue.
No one can say is not good, in the fourth quarter of the financial-insurance market, such as whether a major change in policy orientation. And some of the province, has quietly started a new board layout, Sung Woo Insurance Agency Ltd. is now in transition, adhere to the universal selling insurance at the same time, and serious illness in old-age pension payment to the transition.
Supervisor at various levels supervision tube:: see the risks, polished eyes, Qiao-election financial-insurance
China Insurance Regulatory Commission in April this year prompted the insurance-based financial products that may arise from the three major risks: fluctuations in the business of business risks; macro-economic policies of the financial risk; credit risk of asymmetric information.
Insurance practitioners have also pointed out that prior to the purchase of insurance-based financial management, it is necessary to polish their own eyes, out of some misunderstanding, to make a suitable choice.
Take the universal risk, many investors do not know, it really is not a "panacea." The liquidity, cash can be dangerous is the Almighty has repeatedly stressed that a major advantage. In general, insurance companies will allow customers from the personal investment accounts in cash, but agreed to retain the minimum amount. At the same time, when the cash needed to pay the processing fees. Moreover, the entry into force of universal insurance policy a few years, the policyholder must pay the insurance company to a substantial proportion of the initial cost, beginning when the insured to pay the initial costs to account for half of the total premium. Universal insurance 4%, 5% of the year appears to be a very high rate of return, but only refers to the investment account funds in the rate of return, but not all of the premiums paid by the rate of return, savings and very different. Experts generally believe that the time for short-term insurance, universal insurance investment income is not high, only holders of long-term, taking into account compound interest and tax exempt interest, such as a combination of factors, in order to reflect the value of their investment.
The bonus dividend of uncertainty there is risk. A lot of people will be less than 240,000 yuan into the premium was more than 1,900,000 yuan of high returns and cardiac Ads. But in fact, to some extent, this is the dividend risk investment exaggerated features. From the dividend rate differences, differences in mortality rates, as well as the differences. In the insurance leaflets on 3%, 5% of the dividend income return is uncertain, in fact, in most cases, the role of the dividend that is to help investors hedge against future inflation, rather than over-earned income. The people in the selection of such products should pay more attention to the death of their function to protect its financial management functions more attention should be focused on the principle of "survival benefit" and should not be directed at the dividend is not certain.
Financial experts advise that the purchase of insurance-based financial management to eliminate a few errors --- a misunderstanding: it is to buy insurance for investment. The original meaning of insurance through insurance or compensation for the realization of risk transfer, or compensation for life, rather than investment; two errors: income security and can have both. In addition to insurance consumers to buy good return on investment, there are safeguards. However, the investment-type insurance is the focus, focus on its stated earnings or dividends on. In the security risk, investment-limited insurance, accident insurance to provide general security, and lower insurance rates. Chuxian accident rate is very low, even if gold does not pay too much Chuxian; three errors: the proceeds must be guaranteed. In fact, the proceeds from the insurance company promises to charge for the use of the premium, not who would dare to guarantee that there will be some investment income.
Ordinary people on a misunderstanding of the insurance-based financial management may also be part of the insurance market with sales of about misconduct. "11" long period, some reporters in the capital of commercial banks branches, some of the insurance salesman still one-sided propaganda of the insurance-based financial management "at the end of security" and "high income" and revealed the lack of investment risk. And often
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