What is the income from participating insurance? Which company is good?

Replying to chxqlyq's post is considered lonely and unheard, and I hope that professionals will give me advice. Because I really haven't heard of the investment function of insurance. I agree with Hades about the two most fundamental functions of insurance, risk protection and forced savings.

Forced savings is at most a financial function, and I believe you understand the difference between financial management and investment. Now that the network is so developed, you talk about what company and what product you are. I'll check it out to see if I can achieve such a benefit.

You have the confidence to post your product plan so that everyone can see it. It's really such a high yield, a lot of people line up to buy it with you, and I'm no exception. 10,000 yuan is not a problem, and 20% of the income is worth it to the bank.

Oh, check the original post" satisfied.

Reply to the post of financial freedom It doesn't matter what company I am, the important thing is that our company has such a product, since I said that there is such a high dividend, of course, I am not afraid of you to sue (hehe, just kidding), I said that the dividend is a fixed income of more than 20%, and it has not been added that it is not fixed, the dividend must be so high, but there are also certain conditions, (it can only be said that it is related to age, the number of years paid, and there is an advantage that when you reach a certain age, you can also return a certain principal, And after the age of 60, it is 3 times the 20% income), as long as you want to understand, I can make a plan for you and come to serve you, but there is a premise that the minimum starting price of our product is 1w, and it is a full time of 1w to buy up. You sincerely want to buy, I sincerely serve you View the original post".

Reply to Hades's post "The company will take out no less than 70% of the profit of the year and distribute it to participating insurance customers", but I heard that not all profits, but only distributable profits. That's a lot. There is also the "repayment of principal after payment" is generally the repayment of principal at maturity, and the insurance contract will be terminated after the completion of the supply.

So it's been too long. View the original post

Dividend insurance, not as good as everyone thinks, the income is lower than bank deposits Most people who buy insurance buy protection insurance, and a very small number of people who don't understand it will buy dividend insurance View the original post

There is a 20% high yield, and the Gand people make the ghost speculate in the building, with the ** ticket, the canal goes to the sun to buy insurance for you, and the company is willing! Blindly rely on blowing! View the original post

Reply to Financial Freedom's post Hehe, I didn't speak specifically enough, and it will indeed mislead many people, thank you for the reminder. (It should be that you can get 20% + income from the down premium every year, and it must be paid in 20 years) For the question you asked, I will give you one by one, 20 years your annual compound interest is about (fixed) + dividends (not fixed) + cash value (if you want to terminate the contract at this time, don't mind not buying this financial product, because you don't have to pay money in the future, you will have money every year.) When you reach retirement age, you will receive 3 times the amount you receive now (fixed amount) How is the death benefit calculated?

If you die before the age of 80, you will be refunded the full amount of the premiums you paid. If you die after the age of 80, you will be refunded 2 times the basic sum insured when you are 80 years old (for example, if 20% of the initial premium is 2000, your basic sum insured is View original post).

How to say, it's better not to take out the data casually and compare it, and always have an agreement between each company. There is also the best choice of large companies to buy dividend insurance (there is no intention to denigrate others, but the China Insurance Regulatory Commission stipulates that insurance companies should allocate at least 70% of the distributable earnings of participating insurance to customers every year, and the company's profitability and scale are also one of the important references. Even if it comes to smallpox, the dragon and the phoenix are good, it is always paper data, and the dividend is uncertain, but it can be said for sure that the dividends of China's three major insurance companies are still guaranteed, and the dividend ratio of these three companies in 09 years will be checked on the Internet, this thing can only be spoken, not written out (10 years should be there after the March statement).

If you want better income and protection, you can try children's universal insurance (this should be close to your requirements) assuming that you save for 10,000 years, save for 15 years, increase the insurance amount to 450,000 after the age of 18, and increase the amount of critical illness to 300,000 (the highest can be adjusted to more than 900,000, but the income will be relatively reduced) to the age of 18, according to the mid-range calculation, there are about 270,000 in the account, and about 1.51 million at the age of 60, because the annual interest rate is used for daily interest and monthly settlement, so the income will be so good. Anyway, the best thing about universal insurance is that the money in it is taken by the customer when (but this is also the worst), the protection is adjusted according to the customer, and there is a deferred payment function, etc. Well, when the data is a reference:

caicai19:: The universal interest rate of our company is the first in the whole insurance company, which can be said.

Reply to Hades's post and also make a guarantee for yourself, in case the child does not take care of himself in the future, you can also use the legal effect of insurance to use tens of millions as a pension allowance I have always felt that you have a deeper understanding of insurance, can you help me answer which aspect of the legal effect of insurance is this? Thank you. To be honest, I've always thought that helping children buy insurance is just something that wealthy people should think about.

That's how a rich man like Li Ka-shing is insured. There are D migrant workers who rush to the word "education**" and help their children buy insurance without even being insured. I don't think it's advisable.

View the original post

Dividends must choose a better company It is best to understand the direction of the company in recent years The current three major domestic insurance companies are: Ping An, Chinese Life, Pacific Advice to choose from, understand View the original post

Replying to Jitop's post, the upstairs seems to be more professional. Do you mean which company has the highest universal insurance interest rate, or maintains a high level? Does it mean that this company's dividend ability is relatively strong?

As long as you compare the interest rates of multiple products of each company for a year or more, you can roughly summarize the characteristics of each company's interest rate trend and make appropriate choices. Does that take a lot of time? Have you ever summarized it like this?

If so, tell me for reference! Don't bask in the sun! View the original post

In fact, there is no best insurance product, only the most suitable one. Every person's or family's situation is different, and what needs to be chosen should be the right product, and only the right one is the best. Therefore, customers and friends should choose according to their own family situation, rather than simply comparing products.

If you need friends, you can add me to contact you "Friends, if you are interested in purchasing, please understand as soon as possible, the participating insurance will be adjusted View the original post".

I'm trying to buy a commercial insurance for myself, but I know that it's better to have a fixed life insurance Check out the original post

Moreover, many insurance salesmen go to business without even figuring out the basic insurance terms. Misleading a lot of people, this is the status quo of China's insurance industry. View the original post

If you are not sure about the benefits of participating insurance, you can continue to read:

Participating insurance is essentially life insurance, in addition to providing basic protection obligations, this kind of product can also participate in the distribution of the insurance company's surplus, dividends can be paid in cash, can also be used to accumulate interest, or offset premiums, and some can also be used to purchase paid up insurance.

1. How much is the dividend of the participating insurance?

First of all, we need to know that the contract clearly stipulates that the policy dividend of the participating insurance is uncertain. 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.

In the end, we can only wait for the dividend distribution results, and we will receive as much as we write on the notice. Many participating insurances do not even have a guaranteed interest rate, and 0 dividends are also possible.

Looking at the detailed product cases may be easier to understand, Ping An's popular Xinsheng whole life insurance (participating insurance) can be understood"[Xinsheng] participating whole life insurance, the income and protection are choking.

Second, the dividend insurance value is not worth buying

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.

In addition, there is another feature of dividend insurance, that is, the flow of funds is not flexible, it has the function of compulsory savings, if you do not have much liquidity, it is not recommended that you choose this type of product.

In general, the income of dividend insurance is uncertain, and the protection is insufficient, after the protection is complete, if you want to buy pension insurance with a more stable income, you can look at these products I screened:"In 2020, ten cost-effective annuity insurance".Hope!

Let's take a look at what participating insurance is.

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.

How to calculate the dividend of participating insurance? Sorry, the dividends of all participating policies are uncertain. The dividends of participating insurance are distributable earnings generated by the difference between death, interest and fees, and the calculated income that many salesmen show to customers is actually unreliable and has no reference value.

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. There is no guaranteed interest rate, which means that there is a risk of zero return in the participating insurance.

Second, what kind of people are suitable for participating insurance?

When considering participating insurance, first see if you have all the protection. The basic function of insurance is to help us diversify risks and compensate for losses, but wealth management insurance is heavy on income and light on protection.

In general, the income of dividend insurance is uncertain, and the protection is insufficient, after the protection is complete, if you want to buy pension insurance with a more stable income, you can look at these products I screened:

All good.

Participating insurance is optional according to the operating situation of the insurance company.

The order of purchasing insurance is: must first protect products, including 1, consumer (accident insurance, term life insurance, etc.); 2. Accumulation type (whole life insurance, comprehensive insurance, etc.). Then there is medical insurance (general medical care, serious illness medical insurance, etc.), endowment insurance, children's education funds, investment dividend products, etc.

At the same time, the order of purchase of the family is: 1, the economic pillar; 2. Your lover; 3. Family members without financial income, such as children, the elderly, etc.

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

For example, first purchase the social insurance launched by the state (it is best to have a unit come forward to purchase), such as the cooperative medical insurance for rural households or the medical insurance for urban residents with urban households, and then consider commercial insurance as a supplement.

Third, insurance follows the "high loss priority principle", that is, if a risk accident occurs infrequently, but the loss is serious, priority is given to insurance.

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.

Here, I know that in this industry, there are three sentences that say this: "brand in life", "Ping An's talents" and "Xinhua's 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 medium and long-term contracts, and if you buy it, you can become a lifelong happiness, 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) To buy insurance, you must first protect the head of the family, if the main wealth creator of the family is not protected, then the premium? Cost of living? and other family expenses are not ***.

5) Buy insurance first for adults and then children, and adults are the best protection for children. If adults are not protected, no matter how much insurance children have, it is meaningless, after all, it is the adults who pay the relevant fees for the children.

The rate of participating insurance is higher than that of non-dividend, that is, spending more money on participating insurance and non-participating insurance, and universal insurance is the type of insurance! And whether an insurance is good or not depends on whether it is suitable for you! But you can supplement whatever protection you have! If two insurance plans with the same coverage.