Let's analyze:
1, the difference between death and benefit, that is, the compensation saved by the actual mortality rate being lower than the expected mortality rate. However, as we all know, insurance companies actually just pool people's money and use part of it to pay people in danger. Then, the so-called bad news is actually that I overcharged you, and now I just pay you back.
2. Cost difference, that is, the actual operating expenses of the insurance company in that year are less than the estimated expenses. To put it bluntly, it is also the insured's money, and it will be returned to you before it is used up.
3. Interest spread. This is the most important thing, because it will be the main source of dividends and the most powerful part boasted by major insurance companies. Fundamentally speaking, a large part of the premiums collected by insurance companies are used for salesmen's commission, a large part for compensation, and a part is the reserves collected by the China Insurance Regulatory Commission and the operating expenses of insurance companies. These add up, I guess it's only 20%-30% anyway? This has not taken into account investment restrictions and regulations. Then I don't understand. With limited investment, you can earn more money with seven or eight thousand dollars than a fund manager can get ten thousand dollars. Then why don't you just make a fund? (So in fact, we can see that no matter how the insurance company blows, the maximum profit of dividend insurance is about 3%, and even many dividend insurance profits are only 2%, and the omnipotent 6% yield makes the insurance company pay the bill. )
By the way, BS will discuss the so-called guaranteed dividend. If there are ten people, give me money to help them invest, 10 thousand yuan each, and make money by the end of the year. So someone gave me 10 thousand and someone gave me 20 thousand or 30 thousand At the end of that year, I made money. We divide the money according to everyone's investment proportion. What's the difference between sharing the money according to everyone's shareholding ratio?
In addition, Xinhua's liar, the so-called insurance plan you made for others, dares to claim that he pays 4000 premiums and pays 2500 dividends a year. If there are such high returns, do banks still need to lend? Why don't you deposit all your money in your insurance company?
Let me explain to you what the so-called annual dividend of 4 thousand and 2.5 thousand is:
Suppose someone is 30 years old and has paid dividends of 4,000 yuan every year for 20 years, then when he is 80 years old, excluding the principal of 80,000 yuan, the total is about 570,000 yuan, and the dividend is 490,000 yuan. Divided by the payment period of 50 years, the annual dividend is about 9800 yuan.
You see, with a yield of 5%, you can actually pay 4,000 yuan in premiums and 9,800 yuan in dividends every year. . . At the same time, I just calculated that according to this algorithm, 4,000 yuan will get 2,500 yuan in dividends every year, and the corresponding annual rate of return is 1.7%. This also confirms what I just said, the dividend insurance income of insurance companies is around 2%. .