In fact, financial insurance still has a place in the insurance market. Compared with the bank's wealth management products, the yield of insurance wealth management is relatively stable, and some insurance companies no longer focus on expected annualized income. Some insiders believe that although the insurance industry has fallen into a "cold period" since the CIRC stopped some market insurance, there are still many premiums. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
20 17 current situation of insurance financing and how to prevent risks?
In 20 17, many bank outlets showed that the annualized rate of return of a small number of wealth management insurance products sold through the bancassurance channel remained above 5%, and the insurance wealth management products sold through the internet channel were relatively scarce.
According to insiders, insurance financing is conducive to the rapid development of insurance companies to a certain extent, and has achieved certain results to gain some opportunities. However, if we only pay attention to performance and ignore the design defects of the product itself, over time, it will not only damage the company's reputation, but also bring negative effects to the company, which is not conducive to its future development.
Some people in insurance companies said that after the CIRC incident this year, many insurance companies in the market upgraded their products to meet the requirements of the CIRC and better guard against risks.
According to the information of a well-known Internet financial platform, the investment scope of insurance wealth management products is wide. In addition to monetary assets, you can also invest in central bank bills, bank time deposits, government bonds, agreement deposits, bonds and other assets that meet the regulatory requirements of product issuers, and the investment risks are borne by the insured. The insurance products sold have rich investment period, flexible exit, relatively stable investment target and stable expected income. How to buy critical illness insurance? I just sorted out the relevant contents about choosing the term or life, hoping to help you: the term of critical illness insurance VS life, how to choose?
However, the risks of insurance wealth management products have not been paid enough attention by the insured. When consumers choose insurance wealth management products, they must first know that insurance wealth management has certain risks, the rate of return is uncertain, and there is no guarantee of interest or capital preservation. The income should be considered according to the market trend at that time and the strength of insurance companies. Consumers need to know the scope of insurance financing before buying, so as to make targeted choices.
I hereby remind the financial consumers to pay attention to preventing risks when handling related businesses.
First, be vigilant. Before buying, you should know the nature of the products you want to buy in detail and distinguish whether the products are bank deposits or insurance.
Second, we should reasonably evaluate our own needs, and choose the appropriate financial management method or guarantee the needs according to the actual situation and financial situation of the family;
Third, we should read the contract carefully, carefully read the terms of the insurance contract, and pay special attention to the words of risk warning on the cover of the policy and the insurance amount, guarantee responsibility, liability exemption and other parts, so as to be aware of it.
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