Is there any financial insurance suitable for working people? 35

According to the type of worker, it is generally divided into the size of the risk.

Because insurance itself is a kind of family planning, but also a kind of protection to prevent risks! Not only the protection of oneself, the responsibility of the family, but more importantly, a kind of life planning and financial management!

Now, with the continuous appreciation of the renminbi, ordinary families are beginning to feel that they can no longer be satisfied with just keeping their money in the bank.

According to this situation, Ping An of China launched the universal insurance of smart life, which is a kind of financial management + risk prevention universal insurance for current families. The comprehensiveness of the coverage and the convenience of the account being available at any time. Truly ensure that financial management is correct!

Superior Life Universal Insurance, comprehensive coverage, including lifetime death benefit, critical illness benefit, accident benefit, ** expenses incurred in accidents, accidental medical protection;

These are all aimed at the risk level of the worker, the age stage is different, and the insurance amount can be adjusted by yourself; In addition, accident and accidental medical treatment can be covered up to the age of 65;

In terms of financial management, it is also more unique, after deducting the annual protection cost, the money in the wealth management account is calculated with interest on a monthly basis and compounded interest; The settlement interest is also based on the principle of guaranteed interest with a minimum and no cap; Settlement is made once a month;

If you continue to pay the fee, there will also be a continuous payment bonus. If you need money, you can receive it partially, and part of it is free!

The minimum payment time is 10, and there is no limit to annual payment; Minimum account opening: 4,000 yuan;

Depending on the age group, it can also be used as a pension when the child needs money when he or she needs to go to school, and when he is old. Truly achieve financial protection and security!

Wishing your family happiness and eternal peace!

It is still recommended to consult some well-known local insurance companies.

Now I think the financial insurance is not very practical, the general harvest period is between 60-80 years old, I suggest that it is better to buy ** regular investment business, buy less every month, accumulate a lot, and you can take it out when you are in a hurry, I think it's pretty good!

Let's take a look at the universal deduction method before making a decision.

And Ping An's universal interest rate, if I'm not mistaken, it's determined every year.

The universal charging method is basically the same, but the interest rate is different, so it is recommended that you understand it clearly before making a decision.

If you want to get the renewal bonus, you can't stop paying the fee.

Another key point is that if you want to get the money back during the payment period, you can only surrender the policy, there is no interest, and you will lose the principal.

Magna itself is very good, the key is to sort out your own needs.

There is no best, only the best for your situation! Tell us about your situation? It is still recommended to consult some well-known local insurance companies The current financial insurance is not very practical, and the general harvest period is in.

Yes, Pacific Hongfa is an insurance that integrates financial management, pension, children's education, and disease protection. Many customers find this product to be a good deal.

There is no best, only the best for your situation! Tell us about your situation?

Unless you are a person with a high and stable income and spare money, there is generally no need to buy financial insurance, and an important premise is that you need to have a perfect protection insurance to protect it.

First of all, more than 90% of ordinary families are not suitable for buying financial insurance, and only those who have improved all aspects of protection can configure financial insurance.

Based on the situation in the market, the more popular financial insurance products are the following: annuity insurance, universal life insurance, participating life insurance, education funds, increased life insurance, investment-linked insurance, etc. Financial insurance is a bit complicated, but if you think about your goal in advance, you will not go wrong to buy insurance after you are sure that your goal is protection or financial management.

The current financial insurance is generally composed of universal insurance and participating insurance, and they can also be regarded as two accounts, and the specific relationship is as follows:

Through this diagram, we can clearly see the flow of wealth management funds. These advantages of financial insurance have attracted many people to use it as a way to invest:

1.Guaranteed. These advantages of financial insurance attract many people to regard it as a way of investment, and financial insurance can also reduce investment risks.

2.Forced savings. There are many unknown expenses in the future, and buying financial insurance such as education funds and pensions is equivalent to saving a sum of money, and there can be income to ensure that there is money to spend in the future.

3.Achieve wealth inheritance. The biggest purpose of some people to buy wealth management insurance is to increase their wealth and inherit their wealth.

Since financial insurance has advantages, it will also have disadvantages relatively speaking, mainly the following points:

1.Low yields. The low risk of financial insurance will affect the amount of income, and the income level of financial insurance is generally 2% 4% from the current situation.

2.Low asset flexibility. A lot of the time we hear that"Withdraw or surrender the policy at any time"There are traps in financial insurance, so there may be a big loss.

After talking about the advantages and disadvantages, you can judge whether to buy financial insurance based on your actual situation

The above is a simple analysis of financial insurance, often in financial insurance, the more popular is annuity insurance. So what are the popular annuity insurance, I have an annuity insurance ranking:"Top 10 Annuity Insurance Points Worth Buying! 》

Here I would like to emphasize that the premise of buying wealth management insurance is to have a fully equipped health insurance, and if you don't know how to buy basic health and life insurance, you can take a look at the plan I used to match:"3 sets of plans, complete with a family's insurance".

On this basis, if you still have money, you can buy financial insurance products.

[Written at the end].

I am [Xueba Says Insurance], focusing on objective, professional and neutral insurance evaluation;

I will give you the most professional advice with years of experience in configuring insurance for 10w+ families.

There is no need to buy financial insurance, if you want to buy it, you can buy health insurance and accident insurance. Because it can help us avoid the loss of cash in the event of an accident or illness.

Hello, if you choose not to choose, it depends on your personal economic ability, if you choose well, it will also bring you a kind of profit, so you should pay attention to skills in the selection process and listen to the advice of some professionals. Compare more, and then choose, it will be better, and I wish you a happy life.

I don't think there is any need to buy financial insurance, if you want to manage money, you can go to the bank to buy financial products, although now there are more sales of financial insurance, but a lot of interest is not very high, and it will take 10 or 20 years so long, it seems that the interest number is quite large, but in fact it is simple interest, so when buying these insurances, you have to think twice.

Hello, South Taihu Lake Insurance belongs to Huimin Insurance. It is suitable for all people who do not have commercial million medical insurance.

Because South Taihu Lake Insurance belongs to Huzhou City's commercial medical supplementary inclusive insurance, ** is very cheap. 100 yuan a year per person, although the threshold fee for medical expenses is 10,000, but it can leverage the high medical expenses. It effectively makes up for the lack of social security.

But for the people who already have millions of medical insurance, there is no need to buy it. It refers to the fact that people from the social groups who are in charge of him can buy South Taihu Lake insurance.

I hope my answer can help you, and at the same time I wish you a happy life Of course, there are other questions that are scummy, you can consult me, and I will answer them for you as soon as possible

Financial insurance generally refers to a new type of life insurance, including participating insurance, universal insurance and investment-linked insurance.

In participating insurance, the premiums paid by oneself are sure to be recovered, but the income is uncertain and depends on the distribution of the insurance company's surplus.

Due to the requirements of mainland supervision, universal insurance will have a guaranteed return, but the guaranteed return is often not high. Returns above the guaranteed floor are likewise uncertain.

In the case of investment-linked insurance, in fact, the customer still has to bear his own risk, of course, if there is a return, the income performance will often be better than that of dividend insurance and universal insurance.

Before you are ready to buy financial insurance, you should first understand what type of insurance you are buying and what the proportion of investment direction is, so as to avoid falling into the pit more effectively.

Generally speaking, the purpose of family financial management is to preserve and increase the value of our family property and meet the needs of life. And each of us has different requirements for life, some people feel comfortable with fine clothes and fine food, and some people are very satisfied with coarse tea and light rice; The former should pursue high returns, while the latter only needs to ensure the safety of funds. Therefore, financial management is the process of reasonably arranging various investment portfolios according to personal goals, while considering risk appetite and tolerance.

Insurance is a risk management tool, yes"Prepare for the unexpected"。There are some things that can seriously jeopardize our financial planning when they happen. Investing a small amount of money in insurance can make up for our financial losses in the event of an unforeseen situation, so that financial planning can go smoothly.

At the same time, insurance can be said to be a must-have in financial planning.

Now for that"Insurance and financial management"I understand that there are two meanings. The first is to use the protection function of insurance products to manage personal risks in the process of financial management and ensure the progress of financial planning. This is not only necessary, but also very efficient.

For example, I know that there are some people who don't agree with insurance, and I also know that a lot of them have large deposits because they want to"Just in case"Since this money is not daring to spend, it is actually like an insurance made for yourself. If they go to the insurance company to buy insurance, they can get the same protection by not using so much money. Wouldn't it be more efficient to invest the extra liquidity in other financial products and create more benefits?

The second meaning is the financial management function attached to the insurance itself. In recent years, insurance companies have also designed many new products, which can realize the value-added of insurance funds on the basis of protection functions. Compared with other financial products, because its risk is very low, the return is generally not as good as **, **, but very stable.

Because of this, it is especially suitable for those who are not familiar with the financial markets, or who are busy with work and do not have time to take care of their own investments.

Finally, I would like to share with you an experience, that is, what proportion of insurance should be in financial planning. Generally, if you only apply its protection function, it is recommended not to exceed 10% of your annual income; If you also pay attention to its financial management function, it is recommended that it can account for 20%-40% of the overall plan, because insurance is not a high-yield investment tool after all, and you can adjust it according to your risk appetite.

Wealth management is not the same as investment, investment is a type of financial management tool.

Insurance is one of the financial management tools. The core is to obtain compensation protection after the risk has occurred, rather than investment returns.

Now there are more pure investment products.

In addition to avoiding risks, insurance can also help us manage our finances.

For example, compulsory savings, preparation for education funds, pensions, etc.

Saving or otherwise managing your money doesn't always have obvious results. At this time, the compulsory saving effect of insurance is highlighted.

Buying financial insurance and slowly saving a large amount of money through regular payment can not only be used for retirement, but also for start-up capital for children to study abroad or start a business.

In case of urgent need of money, you can also use this type of insurance to make a policy loan.

In addition to compulsory savings, pension and education pension are both easier to understand.

For one's own future pension, it is called an annuity; The preparation for children's study and further education is called education annuity.

Although both serve different purposes, they are essentially the same. All of them belong to the "rainy day" category of wealth management products.

Whether it is an old-age pension or an education annuity, it is actually a compulsory savings, a regular investment of funds, and then after the precipitation of time, to achieve the final considerable income.

This kind of annuity insurance is actually a type of insurance with low risk, high safety performance and clear returns, which can improve the risk resistance of individuals and families, and can also protect the quality of life.

Daddy believes that insurance is really an investment that we need and is worthwhile.

It not only has the function of maintaining and increasing value, but more importantly, it can bring us the guarantee of life and resist the impact of unknown risks.

1. Deposit in the bank.

Bank deposits are the safest way to manage money at present, but their returns are also very low, and it is very inconvenient to use money urgently, and the expected income will also be lost.

2. Purchase currency**.

With its professional advantages and scale advantages, the currency type ** can obtain a slightly higher income than the bank, and the main thing is that it is convenient to access and access. And there are professional ** managers will help you take care of it, what we need to do is to choose a good ** and a professional and reliable ** manager.

3. Buy treasury bonds and corporate bonds.

The expected returns on treasury bonds and corporate bonds are higher, and treasury bonds are also exempt from formalities tax. At the same time, it can be easily realized through market transactions. It is equivalent to obtaining a regular expected return in the form of a current account.

When it comes to buying government bonds, we live in a peaceful world, so we have to take relatively little risk. The purchase of corporate bonds, if faced with the collapse of the enterprise, will lead to problems in the payment of corporate bonds.

4. Small rated casting.

For office workers, who are busy with work and have relatively little free time, it is very worthwhile to choose this financial management method, because it only needs to invest a fixed amount of money in the designated open ** at a fixed time every month, similar to the bank's fractional deposit and withdrawal, and the expected income can be obtained after the corresponding time. Small investment is a cost-effective way of financial management for office workers, because the income is not much, it is difficult to achieve large investment, in such a way can cultivate good financial habits and benefit for life.

5. Insurance. For office workers, insurance is also necessary, young people's families and young people, because of their strong risk tolerance, so they can consider insurance products with certain financial management functions, which can not only avoid the irresistible accident risk of manpower to a greater extent, but also meet the financial needs of small families and young people.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"