Insurance Must Be Rational, Because Insurance Is Not Everything.

From last year up to now, the premium rate marketization reform has been favorable, and its own advantages are obvious. Universal insurance has been selling well in the domestic insurance market.

However, this kind of insurance is not absolutely "omnipotent", and the policyholder should rationally launch the product on the basis of all-round understanding of the product.

In fact, not only for nearly a year, because of both the protection and investment function, universal insurance has always been very popular with consumers.

Just as its definition - "contains

A personal insurance product that guarantees functions and has certain asset value in at least one investment account ".

The insured can choose or change the "basic amount of insurance" within a certain range to meet the different needs of protection and investment in different periods.

At the same time, the value of the policy account can be collected at any time as the child's marriage gold and venture capital, and it can also be used as the medical reserve and other pension funds for other members of the family.

As an investment type insurance, the premium income of universal insurance is mainly invested in money market tools such as treasury bonds and large deposits after entering the venture capital account. The annual interest rate is fluctuant, and the minimum guaranteed income is not fixed.

In other words, due to changes in the future investment market, it is possible to make

Lower.

Take an insurance company's universal insurance as an example, its expected rate of return is 6%, the actual settlement interest rate is 3%, 4.5%, 6% three grades, that is, the actual income may be lower than the two medium and high end settlement interest rates, 3% is

。

It can be seen that the measurement figures exceeding the minimum guaranteed interest rate in the product manual or the insurance interest calculation book are only the assumption of future income, and can not be used as a guarantee for the actual income, and the clearing interest rate exceeds the minimum guaranteed interest rate part of the uncertainty.

The premium paid by the universal insurance applicant is not all used for investment increment. Part of it is the "initial cost" as stipulated in the contract, and the insurance management fee, risk insurance premium and additional insurance premium are deducted from the insurance companies before entering the investment account.

Therefore, the settlement rate of universal insurance products announced by insurance companies is not based on the total premium paid by consumers, but the capital in the investment account as the base of calculation.

Moreover, due to some of the cost of early account receipts being offset, the overall income of universal insurance products in the first few years will not be very high, and it will take some time to really generate revenue.

Given that universal insurance is a long-term financial investment that can bring benefits into effect, it will also face the low interest rate and the low return on investment of insurance companies. In the first 3~5 years, the actual income is not necessarily satisfactory or even possible to lose money. Therefore, investors should only take sufficient traditional life insurance policies to maintain both stable and continuous income and idle funds for other investment intentions.

According to a life insurance company, two groups of people are more suitable for universal insurance if they meet the above insurance requirements: one is the group with pension planning needs.

The other is those who have certain economic foundation and have assets to inherit the demand. Universal insurance can not only preserve and increase the value of property, but also establish multiple beneficiaries, and allocate the assets to the insured one hundred years later.

As for short-term investors and low income individuals or families, it is not recommended to purchase the insurance.