How to collect the risk cost of universal insurance?

Insurance contracts generally include definitions of terms and a list of guarantee fees (risk premium). If not, the insured insurance company has the responsibility and obligation to explain. It is listed in the list of security expenses, generally according to the age and gender corresponding to the insured amount 1 0,000 yuan.

What can I charge for the universal insurance policy?

Universal insurance is actually an account, and the insured can enjoy certain income by depositing insurance money and dividends.

It is understood that the fees that can be charged by the universal insurance policy include initial fee, risk fee, policy management fee, partial collection fee and refund fee. Payment of universal insurance is not mandatory. As long as the guaranteed account has the minimum amount agreed in the contract, whether to add it or not can be decided by the insured according to the income situation.

What is universal insurance:

Universal insurance is a kind of insurance products. Like traditional life insurance, it can not only protect life, but also allow customers to directly participate in the investment activities of funds in the investment account set up by insurance companies for the insured. The value of the policy is linked to the fund performance in the investment account of the insured operated independently by the insurance company.

Most of the premiums are used to purchase investment account units set up by insurance companies, and investment experts are responsible for the transfer of funds in the accounts and investment decisions, and put the funds into various investment tools.

Premium:

Universal insurance is an investment life insurance with both risks and guarantees, which is between dividend insurance and investment-linked insurance. Under this "universal insurance" insurance method, the insurance premium paid by consumers is divided into two parts, one for insurance and the other for investment. The investment part of this money can be converted into insurance by consumers' own choice. This conversion may be manifested in changes in payment methods, payment years and insurance amount. In foreign countries, generally speaking, the risk of investment is borne by consumers themselves; In the domestic universal insurance, a minimum guaranteed rate of return is generally given, and consumers themselves can weigh and compare the minimum guaranteed rate of return and the bank deposit interest rate. Universal insurance is a better service provided by insurance companies, and it is definitely not the meaning of "universal" in Chinese vocabulary. The so-called insurance is to transfer the results of potential risks to insurance companies by paying insurance premiums, and the risks themselves cannot be transferred. With the exposure to insurance, people's awareness of risks will be enhanced. In this sense, the possibility of risks may be reduced.