In essence, are the financial insurance, accident insurance and illness insurance they promote reliable?
For today's adults, insurance salesmen will still pay attention to the psychology of the insured and make suggestions according to the current insurance needs. This mainly depends on whether the insurance company is reliable. If you spend money on a fake insurance, it is also a very painful thing. In order to prevent this kind of thing, individuals still have to buy the corresponding insurance products through the right way. Isn't it good to buy a product that integrates life insurance, security, wealth management and personal insurance in a big insurance company?
As for the financial insurance, accident insurance and sickness insurance mentioned by the landlord, I happen to know a very suitable package, and I made an appointment myself. I don't know if the landlord knows, the 20 18 product launched by China Ping An Life Insurance Company of China Insurance Company is a good start, and there is another package, that is, Happy Life+Safe Happiness. So what are the guarantees for these two products?
Xiyue Life: It is a whole life insurance with dual functions of security and financial management. The guarantee lies in its (whole): education fund, risk fund, marriage fund, special survival fund, birthday fund, pension fund and death fund. In the fifth and sixth years when the policy takes effect, 50% of the annual premium will be paid respectively, and the corresponding insurance amount will be returned every year from the seventh year onwards.
Ping An Fu: This is personal insurance for the insured, mainly covering accident insurance and sickness insurance of the insured. You can choose to pay 19 or 29 years.
No matter the product itself or the insurance company itself, Xiyue's life is still trustworthy, otherwise I wouldn't buy it.
Today's life insurance companies will combine some of the above insurances and sell them. If someone sells you insurance, take a closer look. There are main risks and additional risks.
General accident insurance takes effect 24 hours, and all companies are similar. Personally, in commercial insurance, accident insurance is the most explicit and easy for customers to understand, leaving little room for insurance companies to operate. What needs to be distinguished is the two concepts of accident and accidental medical treatment, which are completely two plates. Accidents are equivalent to a one-size-fits-all approach. For example, if an accident leads to death or disability, you will lose money according to the level of disability, and your expenses in the hospital due to the accident will be ignored. Accidental medical treatment refers to the expenses paid within the prescribed scope because of accidents in the hospital. If you buy 10,000 yuan for accidental medical treatment, the maximum compensation will be 10,000 yuan for the expenses incurred in the hospital, self-funded items and self-funded drugs. This must be clearly distinguished.
Second, I don't know if you mean serious illness insurance (90 180 days, different companies have different regulations), outpatient service or hospitalization, which are also three independent sectors. The product coverage of each company in the market is about 100, but in fact it is subdivided into about 20 serious diseases. Coverage is so big. And this aspect is more expensive. You can buy more if you have good conditions at home, but you don't have to buy those with general conditions. Buying accidental and unexpected medical treatment and hospitalization is the most practical for ordinary families and will not bring too much economic burden.
It is not recommended to buy financial insurance. If you need to do financial management, you can find an outside financial management company to help you. After all, every industry has its own specialties. Most insurance agents in the market don't even know insurance, so let them manage your money if you are at ease. Financial insurance is not flexible enough compared with external financial products. If money is urgently needed, it will be passive.
Buy insurance, check online and compare. If your relatives and friends sell insurance to you, please don't put them in the position of relatives and friends. You should treat him as a salesman and yourself as a customer. This can reduce the influence of other factors on your judgment of products. After all, the reputation of the life insurance industry is not very good now, and life insurance begins with selling to its relatives and friends. By the way, if the agent who sells insurance for you hasn't worked for three or four years, I suggest someone else buy it. After all, you have to go to insurance to protect it.
Anyway, I personally think that the life insurance industry in China is rather chaotic now. Don't dare to say too much. If you say too much, you will be insulted by the curse of selling insurance. Just remember what the insurance agent said and listen. I just want to know more about it myself. See more information on the Internet.
First of all, there is no problem with the types of insurance advertised by the insurance company, so you can buy it with confidence. As for how to use all kinds of insurance, it is generally like this: except for special agreements, accident insurance mostly takes effect at 0: 00 the next day, and many of them have a one-year guarantee period. The types of financial insurance are very complicated, and their agreements are different. As far as the duration of insurance is concerned, it can be divided into fixed-term and life-long according to the different duration. Critical illness insurance also has two insurance periods: term insurance and life insurance, and there is also the difference between return insurance and consumer insurance. Term insurance and consumer insurance are cheaper, and vice versa. You can choose according to your ability to pay and your security needs. But it's better to buy life insurance, because no one can predict when you will get sick. The types of insurance to protect diseases include hospitalization and hospitalization allowance, which belongs to consumer insurance. The general guarantee period is one year, which can be renewed and the rate is floating.
Brother worked as a salesman in Ping 'an for half a year, so you have no money to do any financial management. Most accidents are caused by death or disability. You have to pay high interest with the money you paid in and return it within six months. Thank God, if you surrender, you can refund half the money.
Hello, seeing this problem, Bao Yujun has an impulse that you should read this article.
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I believe the contents can answer your doubts.
Can help you solve the following problems
First, recommend cost-effective products according to your needs.
Second, what should I pay attention to when buying these products?
3. What are the advantages and disadvantages of this product? My heart is transparent.
My idea: the insurance company bet that nothing would happen to me, then he used my money to make money and finally gave me some interest! ! ! For me, if something goes wrong, then I win a small bet. If it's okay, it's in the bank. You didn't lose! ! ! The worst result of buying insurance is a draw! ! !
Insurance adheres to the principle of utmost good faith. As long as it is stipulated in the contract, if there are no special circumstances, the conditional trigger must be honored.
Accident insurance At present, many companies have introduced return accident insurance. For example, pay for 5 years and guarantee for 30 years. If the insured is still alive after the expiration of 30 years, he can get a "birthday bonus" of about 1.2 times the premium paid.
From the point of view of the contract, this is a clearly agreed clause. As long as you are still alive after the insurance expires, you can get the agreed refund amount by going through the relevant formalities with the insurance company.
However, the coverage of this kind of insurance is relatively narrow. Generally, only specific accidental deaths and total disability caused by accidents are covered, and ordinary accidents are not covered. Therefore, if you buy this kind of insurance, you can attach a certain amount of accident medical insurance.
In addition, although the premium paid can be refunded after maturity. But considering inflation, this is more meaningful than fund marketing. Take paying 3000 yuan a year as an example. After five years, the total payment is 1.5 million yuan. Although it will be 1.5 million yuan after 30 years, if the annual inflation rate is 5%, the purchasing power of 1.5 million yuan after 30 years is only equivalent to the current 3,200 yuan.
Therefore, don't expect too much from the refund amount, or look at whether you are equipped with such insurance according to your actual situation.
Financial Insurance At present, financial insurance mainly includes annuity insurance, dividend insurance and universal insurance.
Among these three types, annuity insurance generally returns the annuity in accordance with the agreed proportion every year. For example, the pension annuity insurance will be refunded at 5% or 10% of the insured amount every year after retirement.
But dividend insurance and universal insurance are uncertain. Dividend insurance and universal insurance are based on the profits of insurance companies to determine the annual dividend level. This kind of insurance generally stipulates a minimum fixed interest rate of 2.5%, but according to the secondary interest rate, the long-term benefit is not attractive. Many insurance companies will calculate compound interest at a medium interest rate of 4.5% or a high interest rate of 6%, which is very attractive, but the actual situation is not a demonstration, and the actual income may not meet their expectations. And the dividend is calculated according to the cash value of your account, not according to the premium you pay. Therefore, this kind of insurance generally takes about 15 years to recover its capital, and it is only through long-term holding that it is possible to obtain higher returns.
Critical illness insurance Critical illness insurance is generally life insurance, and only death or major illness can get claims. The older the comparison, the higher the probability of suffering from serious illness. If it is life insurance, there is no problem of getting it back at maturity. However, there are also critical illness insurance, so you can choose regular insurance, and you can choose to keep it only until you are 60 or 70 years old. If it is this kind of insurance, it is possible to return the premium paid when the agreed age expires, if the insured is not sick and makes a claim.
But from the nature of insurance, it is better to choose lifelong critical illness insurance.
To sum up, for accident insurance, there are products that return premiums at maturity. This insurance is a good product if consumers need accident protection. However, for wealth management insurance, if there is no long-term investment plan for more than 20 years 10, it is not recommended to buy it. For critical illness insurance, it is best to choose life insurance.
Hello, futures Chu Xiao, as a so-called old man and national financial planner who has been engaged in the financial industry for more than ten years, has many years of financial management and investment experience. Let me answer this question briefly.
First, understand the concept of insurance.
Insurance refers to the commercial insurance behavior in which the applicant pays the insurance premium to the insurer according to the contract, and the insurer bears the responsibility of paying the insurance premium for the property losses caused by the possible accidents agreed in the contract, or when the insured dies, suffers from disability, illness or reaches the age and time limit agreed in the contract.
From the perspective of economics, insurance is a financial arrangement to share the loss of accidents; From the legal point of view, insurance is a contractual act, a contractual arrangement in which one party agrees to compensate the other party for losses; From a social point of view, insurance is an important part of the social and economic security system and a "subtle stabilizer" for social production and social life; From the perspective of risk management, insurance is a method of risk management.
Secondly, the role of insurance.
Insurance is not only an economic system, but also a legal relationship. Insurance is the unity of economic relations and legal relations.
Insurance has the functions of economic compensation, financial intermediary and social management, which are an organic whole. The function of economic compensation is the basic function, and it is also the most remarkable feature that distinguishes insurance from other industries. Financial intermediary function is developed on the basis of economic compensation function, and social management function is an important function after the insurance industry has developed to a certain extent and penetrated into many aspects of social life. Only in the function of economic compensation.
First, the function of financial intermediary.
The function of fund-raising refers to reinvesting the idle part of insurance funds into the process of social reproduction. Insurance financing should adhere to the principles of legality, liquidity, safety and efficiency.
Second, the function of social management.
Social management refers to the process of regulating the whole society and its various links. The purpose is to give full play to the functions of various systems, departments and links, and realize the harmonious social relations, benign operation and effective management of the whole society.
1. Social security management:
2. Social risk management
3. Social relations management
4. Social credit management: The principle of utmost good faith is one of the basic operating principles of insurance. Insurance products are essentially a promise based on credit, which is very important to both parties.
Some insurance companies have begun to try to popularize insurance clauses so that most people can understand them. Supporters think this is a good direction. However, many people in the industry and legal experts believe that this will lead to the loss of rigor in the legal sense of insurance clauses, which may lead to ambiguity and economic disputes.
Third, return to the topic "Is the financial insurance, accident insurance and illness insurance promoted by insurance companies reliable?"
Insurance is called insurance, and its function is to protect rather than manage money, such as serious illness, accident and medical treatment. When buying insurance, we must distinguish between protection and financial management.
Those who want to buy insurance to make money basically lose money.
Buy insurance to avoid those dividend-paying insurance, start from your own needs, and buy critical illness insurance if you are afraid of getting cancer; Travel is afraid of accidents and buy accident insurance; If you are afraid that your family will get into trouble because of your own accident, buy a life insurance policy.
Insurance has never been bought because everyone agreed. It is most important to suit yourself.
The insurance clauses are very complicated. There are too many terms such as waiting period, hesitation period, health notification, free premium, occupational restrictions, cash value, etc. It is not easy for a layman to understand an insurance.
You can't just listen to the salesperson when buying insurance. No matter how much insurance salesmen praise products, insurance is always based on terms. To get the insurance policy, the first thing to do is to look at the terms.
Of course, you may not understand. You can ask if you don't understand. You can also go online to Baidu. You really should know what this insurance covers and what it doesn't.
Futures Chu Xiao believes that the most important thing of insurance is to provide a kind of risk protection. Insurance is very good, but it was made famous by unscrupulous practitioners before. ...
Wealth management products rely on dividends in the first year of the contract. The accident insurance was bought today and will take effect at 0: 00 pm. How long is the grace period of critical illness insurance for various insurance companies? I know that the waiting period for critical illness insurance in Ping An is 90 days. If you have a serious illness, you can't claim for it for 90 days. No company for 90 days. It will take effect after one month of hospitalization. I hope it helps you.