If you want to know more about insurance, you can't miss this article by Senior Sister:
Super full! Everything you want to know about insurance is here.
So in the next time, will senior sister introduce you? Investment insurance? Related matters, not much nonsense, directly on the dry goods!
First of all, we should know that investment insurance mainly includes dividend insurance, universal life insurance and investment-linked insurance.
Among them, dividend insurance refers to a wealth management insurance product in which the insurance company distributes the distributable surplus of this kind of dividend insurance in the previous fiscal year to customers in a certain proportion in the form of cash dividend or value-added dividend after each fiscal year.
And the distributable surplus generated by the dividend insurance business just mentioned is what we said? Bonus? .
Dividend insurance allows the insured to enjoy death protection and may also enjoy dividends from insurance companies. It is a wealth management product that can preserve and increase the value of family assets for a long time.
Universal life insurance is a life insurance product with universal account. Universal life insurance is a kind of insurance with both security and financial management functions. In addition to providing life protection to customers like traditional life insurance, customers can also directly participate in the capital investment activities in the investment accounts set up by insurance companies for policyholders.
Speaking of which, the senior has a small gift for everyone. Come and have a look:
What's the difference between dividend insurance, universal insurance and increased whole life insurance financial insurance? Which is the most cost-effective?
In addition, investment-linked insurance is a new product of whole life insurance, which integrates insurance and investment. The protection is mainly embodied in the accidental death of the insured during the insurance period, and the death protection will be paid by the insurance company. At the same time, the insured can also obtain other aspects of protection such as major diseases through the form of additional insurance of investment-linked insurance. In terms of investment, insurance companies use the premiums paid by the insured to invest, thus obtaining income.
However, the protection of such products is relatively general. Although the financial performance is not bad, it takes a long time to see the benefits, which is somewhat similar to investment funds.
If you are considering whether to insure investment-linked insurance, you can read this article before making a decision:
There are so many types of insurance, which one should I buy first?
Hope to adopt
The same number on the whole network: Xueba said insurance, welcome to search!