Is the universal account of the insurance company reliable?

The universal account of the insurance company is reliable. As long as the money exists in the universal account, it will increase in value according to the proportion of the corresponding universal account. Universal account will set a guaranteed interest rate, and the corresponding guaranteed income is certain. The excess return is uncertain. So, you don't have to worry about the unreliable universal account.

If you still don't know much about insurance, you can read this article by Senior Sister:

Super full! Everything you want to know about insurance is here.

Then, in the next time, Senior Sister will introduce you. Universal account? Those things, not much nonsense, directly on the dry goods!

In fact, the money in the universal account mainly comes from the annual return of insurance products and the additional amount of the insured. And generally speaking, the cumulative additional limit of universal account is linked to the total premium of main insurance, but the additional limit stipulated by each insurance company is different.

Secondly, the insured can withdraw the money from the universal account at any time, but not all of it, otherwise it will be regarded as surrender, and we can only partially withdraw it.

Moreover, universal accounts are divided into guaranteed interest rate and settlement interest rate, in which the guaranteed interest rate is the minimum guarantee when the settlement interest rate cannot be guaranteed. At present, the guaranteed interest rate of universal accounts in the market is generally between 1.75%-3%.

For more little knowledge about the universal account, Senior Sister has arranged it for you in this article:

Universal insurance financing, stable and safe income? Universal insurance from the beginning!

In addition, in order to increase their competitiveness, some universal insurance will add additional risks such as term life insurance, lifelong critical illness insurance and medical insurance on their own basis, but the premium of such products will be higher.

Senior sister wants to remind everyone that not everyone is suitable to buy universal insurance, because the premium of universal insurance is high and the short-term income is not high, which is more suitable for high-income people. Short-term investors or families with low income levels are not suitable to buy such universal insurance, which will bring too much payment pressure to themselves.

So what universal insurance products are worth buying for people who are suitable to buy universal insurance? Senior told everyone:

Ten universal insurance stocks worth buying!

Hope to adopt

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