About the investment value of return based insurance

In fact, the two financial tools you mentioned cannot accurately measure the income, so it is impossible to compare them from the perspective of income.

Let's start with the so-called return insurance. There are indeed such products now, and many annuity insurance companies fall into this category. However, the amount returned each year is fixed and will not be adjusted according to economic development.

In fact, you can simply calculate how much you have paid in total and how long it will take to get it back before you can pay the premium itself. I guess you don't want to buy this kind of insurance if you do the math.

Maybe the salesman will emphasize to you the dividend income of this type of insurance. Now dividend insurance is the mainstream, but the dividend itself is uncertain. Theoretically, the dividend can be 0

Therefore, the dividend income is simply not possible. Don't believe the salesman's introduction of income, it is all a demonstration and has no legal effect.

As for the regular investment, in fact, it is impossible to ** the income situation behind. Who knows what China** or the bond market will look like in the next decade? Even in the same environment, different income situations can vary greatly.

Therefore, no one knows whether you make a profit or a loss or how much you can make when you make a regular investment. It is a fact that regular investment can smooth the risk in theory, but it does not mean that you will definitely make money or how much you can make if you do regular investment.

Therefore, the two financial tools you mentioned have unyielding returns, and they cannot be compared.

There is no comparison between the two tools: insurance and financial management, focusing on protection. That is, now take out a little money every year to deposit the insurance company's first-class income products, to ensure future expenditures, resist unknown risks, and can be used for pension security, especially to increase the exemption function.

In terms of investment returns, it must not be the best choice! **Regular investment, focusing on income, pure investment products. It is less affected by the domestic and foreign economy, but the future income is not guaranteed and cannot be used for the elderly.

Personally, I think it's absolutely authentic**.

My mom regretted buying it.

<> refundable insurance refers to insurance products that can refund insurance money or premiums.

Benefits of return-type insurance: Return-type insurance is a kind of savings insurance, which has a long guarantee time, can return funds, and also has a certain financial planning function.

Disadvantages of return-type insurance: Return-type insurance is a long-term insurance, if the insured needs change due to emergencies or other reasons, and need to change the insurance product, at this time, the surrender can only obtain the cash value of the policy, and there will be a part of the loss.

Summary. Hello, I'm honored to answer for you Return insurance refers to the insurance period, if the insured is out of insurance and meets the conditions for claims, then according to the agreement to lose money, if the insured is not out of insurance, or there is no agreed insurance accident, at the expiration of the contract or at the agreed time in the contract, the insurance company will return a sum of money to the insured or beneficiary, which may be 100% of the premium, or may be 120% or 160% of the premium, or a certain percentage of the sum insured. It depends on the terms and conditions of the product.

Hello, I am honored to answer for you Return insurance refers to the insurance period, if the insured is out of insurance and meets the conditions for claims, then according to the agreement to lose money, filial piety if the insured is not out of insurance, or there is no agreed insurance accident, at the expiration of the contract or at the agreed time in the contract, the insurance company will return a sum of money to the insured or beneficiary, this money may be 100% of the premium, or it may be 120% or 160% of the premium, or a certain proportion of the sum insured. It depends on the terms and conditions of the product.

Therefore, the return type insurance is also known as the insurance of "Bing treatment Bing, no Bing return", which is simply understood as the premium can be refunded back, and the service will not lose money. The return of the fighting beam insurance is divided into return type health insurance, return type financial insurance and return type pension insurance, and the common return type insurance on the market has return type critical illness insurance and return type accident insurance, and the other two types of insurance are actually in a sense also belong to the return type of insurance, both of which are life insurance and SI, if the insured dies during the insurance period, the insurance money will be paid, and if the insured survives to the expiration of the protection period, he can also get an agreed amount of maturity payment.

Yuan can buy consumer-based critical illness insurance with an insured amount of 500,000, but the same ** can generally only buy a return-type critical illness insurance with an insured amount of 200,000.

2. Money has a time value, and return-type insurance often takes decades to return the premiums. If there is a demand for wealth management insurance, it is also necessary to configure protection insurance and wealth management insurance separately, which is more scientific.

3. **Expensive, return insurance is twice as expensive as consumer insurance, and there are more routines, the return is conditional, and it can be returned only if you do not go to risk before the general age. For example, the product stipulates that the premium will be refunded at the age of 80, and if you have a critical illness at the age of 75, it will also not be returned, which means that you can buy a consumer-type critical illness with the return-type money.

Return-based insurance is to agree with the insurance company on a specific time to return the premium or sum insured, and the contract is still valid.

Another name for return-type insurance is savings insurance, which refers to the insurance company returning the accumulated premiums to the insurance beneficiary if there is no insurance at the time agreed in the contract. But is there a difference between savings insurance and return insurance? After reading the following article, you will know:

What is the difference between consumption, savings, and return insurance? Which to buy? 》

Speaking of return-based insurance,"If you have a disease, you will lose money, and if you have no disease, you will be returned"These eight words, like a magic spell, attract consumers to follow one after another, is the return insurance really that perfect?

Don't be in a hurry to buy it first, you have to know these routines of return-type insurance. But before that, you need to know about this:

"Accident compensation, nothing to pay back - return insurance".

Once you've learned about it, it's not too late to learn about these routines:

1.Small coverage: For example, most returnable critical illness insurance plans only cover death in a traffic accident and do not cover general disability.

2.Return-based insurance** is more expensive: Return-based insurance is often 1 times more expensive than consumer-based insurance.

3.Occupy a budget: I believe that most people do not have too much budget to buy insurance, and if they buy it back, they will not have the money to buy other insurance.

4.Early death or critical illness: If you buy a returnable critical illness insurance and die or become seriously ill before you live to reach the specified return age, then the additional 30%-70% of the annual premium will be considered filial piety to the insurance company.

Like other insurances, it pays out the sum insured and doesn't give you more.

Then again, is return-based insurance really useless? Not necessarily! These kinds of people can still buy it!

1.People who can't save money regard the fixed annual deduction of premiums as compulsory savings;

2.People who have a need for asset allocation, that is, you have enough money and have the budget to invest and manage your finances.

3.People who don't know how to manage money can not only get protection, but also receive a sum of money in the end.

"Seven Return-type Critical Illness Insurance Points Worth Buying! 》

[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.

Why is it not recommended to buy return-type insurance? Is return-based insurance reliable? I'm Deep Blue Insurance, focusing on insurance evaluation! Pay attention to Deep Blue Insurance, teach you to buy insurance and not pick pits

Return-type insurance, commonly known as savings insurance, refers to the fact that there is no accident during the insurance period, and the insurance company will return a sum of money to the insured or beneficiary at the time agreed in the contract. Return-type insurance is suitable for people with sufficient budget, who want to save compulsorily, and have investment and financial needs, because its advantage is that it is forced to save; Return-based insurance also has its own shortcomings, its coverage is generally small, the premium is relatively high, simple and boring, and the premium will not be returned after the accident, and the income is relatively low.

Therefore, if you simply want to have comprehensive protection, it is recommended not to buy a return type; If you are more confident in your physical condition, feel that there is a small probability of risk, and want to have a certain amount of protection, and at the same time the cover is erected with the nature of savings and financial management, you can choose the return type.

Therefore, whether return-based insurance is good or not is relative, and it depends on our personal choices and preferences. Understand the product rules and protection content before applying for insurance to avoid buying products that are not suitable for you.

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