What is covered by participating insurance 5, what is covered by participating insurance

Many people don't understand dividend insurance, but they are very interested in dividend dividends, so today I will talk about those things about dividend insurance, and I recommend you to read this article firstHow pitty is participating insurance? 》

Participating insurance is essentially life insurance, in addition to this kind of product has basic protection, you can also get policy dividends every year, there are two ways to distribute dividends: cash dividends and incremental dividends, cash dividends can be used to withdraw, accumulate interest or offset premiums, and incremental dividends are to increase the sum insured every year.

1. Income from participating insurance

Regarding the dividends of the participating insurance, it can only be said that it is uncertain, and it is clearly stated in the contract. The dividends of participating insurance are based on the distributable surplus generated by the difference between death, interest and fees, and the insurance company will use the high-end income as the calculation, which is actually misleading consumers and has no reference value in fact. We can only wait for the insurance company to inform the dividend result, and we will receive as much as it is written on the notice.

Many participating insurance policies do not have a guaranteed interest rate, that is, the insurance company says that there is no dividend, and it can only suffer dumb losses.

If you still have doubts about the income part of the dividend type, you can take a look at the detailed product case::"[Xinsheng] participating whole life insurance, the income and protection are choking.

2. What kind of people are suitable to buy dividend insurance

When considering participating insurance, first see if you have all the protection. The foundation of insurance is to be able to provide protection and transfer risks, while the protection of general wealth management products is very limited, if the protection has not been completed, it is not recommended to consider dividend insurance.

There is also the poor liquidity of the dividend insurance, can not be used at any time, it has the function of compulsory savings, if its own liquid funds are not much, and buy this kind of compulsory savings function of the product, it is very uncomfortable to encounter an emergency and not be able to use the money.

In general, the income of participating insurance is uncertain, and the protection is insufficient, if you really want to buy an insurance product with stable income, you can look at these products I screened:"In 2020, ten cost-effective annuity insurance".Hope!

Participating insurance only covers accidents, while the dividend results can be received regularly or applied for in retirement.

The principle of purchasing insurance is based on social insurance, and it is better to add appropriate commercial insurance as a supplement.

The expenditure of its insurance costs is generally about 10---20% of the annual income, and it is best not to exceed 20%, that is, to use 10% of the funds to preserve 100% of their assets.

For each of us, we should consider health insurance. Directly speaking, as people age, their body's resistance is inversely proportional, and their ability to resist related risks is relatively weak.

Therefore, you must first consider medical insurance, whether it is commercial insurance or social insurance, and then consider other insurance products, so that it makes sense. If you are not healthy, it is impractical to have more pension insurance.

It is recommended that you first purchase the social security launched by the state (preferably if the unit comes forward to purchase it), including cooperative medical insurance, and then consider commercial insurance as a supplement.

Here, I know that in this industry, there are three recognized sentences that say this: "brand in life", "Ping An talents" and "Xinhua products".

Finally, it should be noted that the principle of insurance application is as follows:

1) Buy insurance first to buy medical health, health can ensure that customers have everything.

2) Buying insurance is light on words and heavy on contracts, life insurance is generally a lifelong contract, and you can become lifelong happiness if you buy it well, otherwise it will have a great impact.

3) Insurance products need to have the function of maintaining and increasing value, and the current standard of living is increasing day by day, and must be able to curb inflation.

4) Buy insurance first adults and then children, if adults are not protected, no matter how much insurance children have, it is meaningless, after all, it is adults who pay for children.

Many types of insurance have dividends.

Whole Life Insurance, Term Life Insurance, Critical Illness Insurance, Education Insurance, and many more.

You should be asking about investment and wealth management insurance, right?

Specialized investment and wealth management insurance generally covers the liability for death and total disability. Some can also be attached to critical illness, hospitalization, medical accident, injury protection, etc.

Dividends are just an additional function, and they will never be separated from the scope of protection. It is a regular dividend function that comes with health, accidents, pensions, etc., can you understand?

Mainly life insurance and critical illness.

What to promote, then you still need to ask, it must be the interests of the unilateral insurance company.

According to your own situation, choose a participating insurance with both protection and financial management functions.

It is recommended that you go directly to Ping An ** to see, or directly to me (Ping An Insurance):,