Insurance is established according to the attributes of different types of people, and it is the right choice to buy financial insurance that suits you.
Financial insurance is a new insurance product that integrates insurance protection and investment functions. The main types of insurance covered are dividend insurance, investment-linked insurance and universal insurance.
Sister Xue has compiled a list of financial insurance here. Interested friends can have a look: Top Ten Financial Insurance Rankings ▏ Want to buy high-yield financial insurance? Don't miss this 10 model again!
Many people think that financial insurance is not very reliable, which may be a misunderstanding that the income of financial insurance is guaranteed.
In fact, in addition to universal insurance, investment-linked insurance and dividend insurance, two new types of insurance wealth management products, do not guarantee the rate of return, and the actual income level is not fixed. From this point of view, consumers must read the insurance special tips carefully when purchasing such insurance products.
For another example, some people think that the premium of universal insurance is used for investment.
However, in fact, some related expenses need to be deducted before the funds will enter a separate account, and the insurance company will allocate the funds to various investment tools according to its own investment strategy. The insurance company stipulates the minimum guaranteed interest rate of universal insurance in the insurance contract, but this guaranteed interest rate is not the rate of return of all premiums, but the part of premiums that enter a separate account after deducting related expenses. So how much can it earn? Click on the link below, and Senior Sister will tell you!
Universal insurance financing, stable and safe income? Universal insurance from the beginning!
Insurance is not used to make a fortune, but to allocate resources over time.
Financial insurance can help you cope with large capital expenditure in the future by locking in long-term income through compulsory savings, and the income cannot be very high. Therefore, when choosing this kind of insurance, we must have a correct attitude, and the pursuit is not making a fortune, but the certainty of income.
If you want to manage your finances through insurance, you can actually choose to increase the insurance coverage in whole life insurance, which can not only protect your finances, but also kill two birds with one stone. Want to know more, you can read this article: Holy whole life insurance, who can manage money, who can protect capital and increase profits? Is it worth starting with?
Hope to adopt!
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