What is the deposit account introduced by the insurance company? Is it reliable?

At present, there are many deposits in various forms, and some deposit banks are not very strong in insurance, so deposits are still insured by the four major state-owned banks in China, and the deposit accounts launched by insurance companies cannot be said to be unreliable, but you should be careful when making large deposits.

The deposit account of an insurance company is a kind of wealth management insurance product, which has the functions of investment, savings and security. Universal insurance is equivalent to opening a current savings account in an insurance company. This kind of savings account has the functions of insurance, deposit and investment income. Money in savings account = (premium-guarantee cost-management fee) ×( 1+ floating rate of return). Of course, not all universal insurance will eventually lose a penny, which depends on the age of the people who buy universal insurance and the amount of payment. The younger the age, the lower the deduction fee, the larger the payment amount and the lower the management fee. It is more cost-effective to deposit money in the universal insurance account, and the amount in the account will accumulate interest and investment income. The funds in the universal account can be withdrawn at any time or in part, and the remaining money remains in the account, with daily interest and monthly compound interest, so as to preserve and increase the value. Insurance deposit is a cooperative insurance deposit method between banks and insurance companies, and it is a product of _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ When buying life insurance deposit products, you need to go to a regular insurance company to buy them. Such as China Life Insurance and Ping An Insurance. In addition to buying in a regular insurance company, the insured should also pay attention to the withdrawal rules when purchasing life insurance deposit products, because some life insurance deposits can only be withdrawn after n years. If you take it out halfway, it is surrender, and you can only get back part of the cash value of the policy.

Personal suggestion: It is more reliable to deposit money in the universal insurance account, because the risk level of the universal insurance account is equivalent to the partial debt hybrid fund, which is relatively moderate. However, due to the existence of the handling fee, the deposit and withdrawal time interval should not be too short, otherwise the income will not be enough to pay the handling fee, resulting in losses.