In 2019, the sale of participating insurance was discontinued

It is also a loss after decades of non-stopping! Insurance companies talk about income is fooling! Insurance companies make profits with dividends, and "Participating Insurance" is the magic weapon for insurance companies to make money, so that you will be deceived unconsciously!

The insurance company's "Critical Illness Insurance" is life-saving, because if you get the same illness as the insurance contract, this person will be a dead end. You have to understand that it is insurance that calculates you, not you who calculates insurance! Insurance is, you consume, the insurance company serves you, he earns your money, not gives you money, you can't get the original intention of insurance wrong, and if you make a mistake, you will be deceived!

Insurance, except for accident insurance, other types of insurance are fooling people. People who have bought life insurance have been fooled, because you can't withdraw money at any time, and once you withdraw the money, you will lose a lot until you die, and the disease you still have when you die must be the same as the disease in the insurance contract, word for word, in order to get a claim, otherwise you will not be claimed. When a child is born, he talks about death insurance, which is a curse to die quickly!

Insurance only talks about cash value, not principal and dividends. If the insurance has a contract liability, he will have a cash value and dividends, and if the contract liability does not occur, he only talks about the cash value, and the cash value insurance contract has a cash value table on it, how many years is how much it is, you will understand it when you read it. That money is far less than the principal, whether it is withdrawing money, surrendering, or the so-called conversion pension, it all depends on the cash value.

The insurance salesman didn't explain the cash value of the policy to you, and the customer didn't buy it after reading it, so they fooled you into taking the money after paying the premium. Insurance is a loss for several years, but in fact, even if you get the principal for a few years, you will lose a lot of money due to the currency depreciation of your principal. The insurance company holds a meeting every day, and the so-called morning meeting of the insurance company is to talk about some ways to fool people!

That is, how much this dividend has been for decades, how much has been that dividend for decades, plus how much is the cash value, hey, as soon as you look at a lot of numbers, you will be red-eyed. In fact, it is very simple to understand insurance, that is, when the insurance is out of danger, look at your "Protection", and look at the "Cash Value" of your policy if you are not in danger, no matter how many years it is, you will look at the "Cash Value", because life insurance is a whole life insurance, and if you withdraw money until you die of old age, it will be regarded as surrender (that is, the cash value given to you), so if you understand these two numbers, you will not be fooled by selling insurance. Finally, you must remember that the so-called "insurance" is used to resist risks, not to manage money, let alone use insurance to make money.

If you want to manage your money to make money or if you want to resist currency depreciation, you can do ** and treasury bonds (not a very good choice). Therefore, participating insurance is to defraud customers of their money in the name of insurance. Rather than talking about (financial insurance) is the palace jade liquor, one hundred and eighty glasses, it is better to say, (in fact, it is the two pots of water mixed with the boiled water.) ）

Xueba talks about insurance, focusing on insurance evaluation! This comparison table of the latest 35 participating insurance and 101 mainstream critical illness insurance products in 2020 is given to friends who know this articleComparative analysis table of 35 participating insurance products and 101 popular critical illness insurance products in China, to friends who know this article.

Many people must have heard of participating insurance, but not many people really understand what participating insurance is? What's the use? Let's take a closer look:

Participating insurance refers to a life insurance product in which the insurance company distributes a certain percentage of its actual empirical results to policyholders compared to the surplus assumed by pricing, which looks good, protected, and has money.

Just listening to the word "dividend", is it going to feel good, I paid the money, not only guaranteed, but also dividends However, when you buy, you are often confused by the demo interest rate, in fact, almost no one can get the expected return.

Clause.

1. The amount of dividends you can get is closely related to the situation of the insurance company, and the worst case is that there are no dividends in the current year.

Second, the dividend pool is not transparent.

These two characteristics of dividend insurance make the real income of dividend insurance an unknown number, which is an important reason why the risk is often complained aboutWhy is participating insurance a "high-incidence area" for insurance?

With the complexity of participating insurance, novices who do not have certain insurance knowledge should not buy it easily!

That's all for me"In 2019, the sale of participating insurance was discontinued"All, look!

Friend: The situation told you by the salesman is true, according to the provisions of the "Measures for the Administration of Health Insurance", the return health insurance of various insurance companies has been completely discontinued from January 1, 2007.

China's first special regulation of commercial health insurance ———Health Insurance Management Measures" will be implemented on September 1, the most interesting of which is that the return of health insurance was stopped, which means that domestic consumers are accustomed to health insurance as an investment and financial management method The era has come to an end, and the domestic health insurance market is also facing a reshuffle.

The payout ratio remains high.

Return-based health insurance is one of the most familiar and favored types of insurance for Chinese consumers. The inclusion of a survivorship benefit liability is the biggest selling point of this type of insurance.

According to reports, there are currently two types of return-type health insurance in the market, one is a product portfolio formed by a life insurance main insurance and additional health insurance, and the other is a separate return-type health insurance product, which is the latter that the insurance regulatory commission has stopped.

Why the sudden suspension of returnable health insurance? Shen Shuguang, director of the insurance department of the School of Finance of Sun Yat-sen University, believes that the loss ratio of insurance companies operating return-based health insurance remains high, resulting in great business risks, and unsustainability is the primary factor.

The high loss ratio of health insurance is a common phenomenon in the insurance industry at home and abroad, and the business risk of insurance companies is large, and many countries have to introduce preferential policies to encourage the development of health insurance, otherwise, the health insurance operation of insurance companies is unsustainable. In fact, in the past year, many domestic insurance companies, including Ping An Life, Pacific Life Insurance, and Chinese Life, voluntarily stopped selling some return-based health insurance due to high loss ratios.

Industry analysts believe that another important reason for regulators to stop return-based health insurance is the increase in the average life expectancy of Chinese. According to the "Chinese Life Insurance Industry Experience Life Table" released by the Insurance Regulatory Commission this year, the average life expectancy of men has increased by 4.8 years compared with the original life table, and the average life expectancy of women has increased by 4.7 years. The structure, coverage and coverage of return-based health insurance products no longer meet the market requirements, and domestic insurance companies are feeling unprecedented pressure.

In the newly promulgated "Measures for the Administration of Health Insurance", it is clearly stated that in the future, health insurance will cancel the financial management function, only ensure "health", and no longer pay dividends and returns.

In 649 A.D., Xuanzang, a high-ranking monk of the Tang Dynasty who went west to learn scriptures, was in Samarkand City.

Who is too affectionate just because Ben is amorous.

No matter how old you find your way.

There is no need to repeat tutoring lessons.