Traditional endowment insurance recommended by commercial endowment insurance
Advantages: fixed payment, fixed interest and fixed collection. Among several kinds of endowment insurance, the predetermined interest rate is higher, generally 2.0%-2.4%.
Disadvantages: it is difficult to offset the impact of inflation. Because the purchased products have a fixed interest rate, if the inflation rate is high, there is a risk of depreciation.
Suitable for the crowd: the main purpose is to provide compulsory savings for the elderly, suitable for older policyholders.
Dividend-sharing endowment insurance recommended by commercial endowment insurance
Advantages: Dividend insurance products have the function of traditional endowment insurance, and enjoy the function of dividend distribution by insurance companies. Income is linked to the operating performance of insurance companies, which can theoretically avoid or partially avoid inflationary pressure and preserve or even increase the value of pensions. 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
Disadvantages: the dividend is uncertain, and it is also possible that the company will lose money because of poor operating performance.
Suitable for people: policyholders who are unwilling to take risks and are prone to impulsive consumption.
Universal life insurance recommended by commercial endowment insurance
Advantages: universal insurance is characterized by flexible access, guaranteed interest rate at the bottom, no upper limit at the top, and monthly settlement. The insured can flexibly cope with changes in income.
Disadvantages: Flexible access For the insured with poor savings habits, they may not be able to save enough pension in the end.
Suitable for people: consumers with strong self-control and long-term investment.
Investment-linked insurance recommended by commercial endowment insurance
Advantages: investment-oriented, giving consideration to safety, expert financial management chooses investment varieties, and flexible conversion between different accounts.
Disadvantages: It is the insurance product with the highest investment risk.
Suitable for the crowd: suitable for young people who have certain risk tolerance, take investment as the main purpose, take care of the elderly and can persist in long-term investment.
Bao Ge reminds: Many people in modern society attach importance to commercial endowment insurance. Endowment insurance is not a patent for the elderly. Commercial endowment insurance can also be used as a means of compulsory savings to help young people plan ahead and avoid excessive consumption when they are young. How to buy commercial endowment insurance? Recommend commercial endowment insurance to help you!