Is the participating type of wealth management insurance good, which is better, the participating in

Participating insurance is a kind of investment insurance, investment insurance includes participating insurance and pure wealth management insurance, participating insurance, refers to the life insurance company will actually operate and produce the surplus at the same time, according to a certain proportion of the insurance policy holder dividends distribution. There are two distribution methods: cash dividend and incremental bonus method. Participating insurance originates from the fixed interest rate of the policy, and the risk of changes in market returns for a long time in the future is shared between the policyholder and the insurance company.

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

Is it worth buying financial insurance from an insurance company? How is it different from other wealth management products?

Many people want to manage their finances by buying insurance, but most of the financial insurance is not very cost-effective"Top 10 Worth Buying Financial Insurance! 》

Financial insurance is not simple, at least you must understand these points first:

1.What are the financial insurances?

Financial insurance can be divided into four categories, financial insurance includes the education fund that has been popular recently, but is it really necessary to buy the education fund for children? If you are interested, you can take a look at this answer:"Must-read for parents:

Is it necessary to buy education insurance? How to choose the right product? 》

2.How to choose financial insurance?

To choose a good financial insurance, you can start from these points:

(1) Dividends are not necessarily cost-effective

The dividends of the policy are uncertain, although the provision is that 70% of the distributable earnings of the participating insurance business in the current year should be given to the policyholders, but the insurance company calculates its own distributable earnings, whether it can pay dividends every year, and how much it can be divided, so it is not necessarily cost-effective to have dividends.

(2) The higher the guaranteed interest rate and settlement interest rate, the better

Guaranteed interest rate: The money transferred from the annuity account in the universal account or the money added by yourself are calculated with the guaranteed interest rate, and according to the regulations, the current guaranteed interest rate cannot exceed 3%.

Settlement Interest Rate: The settlement interest rate is the actual interest rate, which is related to the operating conditions of the insurance company and is announced by the insurance company.

(3) Choose different revenue trends according to demand

The income trend of wealth management insurance is not the same, some are cash value can be quickly recovered, and some are cash value is difficult to recover in the early stage, but the annuity received in the future is more.

If there is a possibility that you need this money to turn over, it is recommended to choose an annuity insurance with a fast cash value return. If there is no worry about poor capital turnover, just for the sake of pension, you can choose products with slow return on investment in the early stage.

3.Who should buy financial insurance?

(1) Middle-class parents

Financial insurance is suitable for middle-class parents to buy for their children, leaving some money for their children is the idea of many parents, and financial insurance is the income has a certain relationship with the insurance period, and it is better to buy early.

Some people will want to use the money themselves, and that is okay, and the policyholder can use the money after entering the universal account. Therefore, although it is the parents who buy it for their children, the initiative of the funds is still in the hands of adults.

(2) Business elites over 40 years old

Another main group of people who buy financial insurance is entrepreneurs or company managers who are over 40 years old, and this part of the people has strong economic strength, and insurance brings them not a rich return on investment, but stability and security, and can also carry out the inheritance of wealth in this way. Hope!

Each has its own advantages and disadvantages. If only these two products are compared, bank wealth management products are relatively more flexible, whether it is a 90-day, 180-day product or a 360-day product, the investment cycle is still short after all, only one year.

After all, the participating products of insurance companies are also insurance products, and the investment cycle is relatively long, although there are products that can be taken after one year, but they are more limited to the interest part, and the insurance is not a one-time purchase, but needs to be purchased continuously for several years, if there is a break in the middle, the income will have a great impact.

Insurance is more like compulsory savings. Therefore, in terms of flexibility, bank fixed deposits are better than wealth management insurance.

In terms of income, or in terms of long-term returns, insurance is definitely much more than bank fixed deposits. The income of insurance cannot help but be higher than that of bank fixed deposits, and even higher than that of general wealth management products. Of course, we can't compare him with ** returns, after all, the risks are different.

Insurance, wealth management, and bank deposits are facing different user groups. If you are just pursuing income, Kun Peng does not recommend that you choose insurance products, after all, insurance products require long-term investment.

If it is to save for children's education, it is recommended to focus on insurance, after all, education funds must be spent, so compulsory savings are very suitable.

Participating insurance is not only insurance, but also a financial product.

Before analyzing the participating insurance, this insurance knowledge needs to be understood in advance:Before buying insurance, you must first understand these key knowledge points! 》

Participating insurance refers to a wealth management insurance product in which the insurance company invests part of the customer's premium, and distributes the investment income to the policyholder according to a certain amount after deducting the cost, killing two birds with one stone, and one insurance takes into account the protection and financial management functions.

Hear"Dividends"Two words, many people feel that they have paid money, not only guaranteed, but also able to enjoy dividends, as if they have become the original shareholders of the insurance company, but I have seen too many friends who have bought dividend insurance, but no one has really obtained considerable income after buying dividend insurance, not one.

The main reason is that consumers do not know enough about participating insurance

Clause. 1. It is difficult to receive dividends from dividend insurance.

Second, the dividend pool is not transparent.

These two characteristics of dividend insurance make the real income of dividend insurance an unknown, and therefore make everyone stay away from dividend insurance, and I have put the specific reasons in this article. Why is it said that participating insurance is insurance"Areas with a high incidence of complaints"？》

Therefore, if you do not have a certain amount of insurance knowledge, you should be cautious to buy participating insurance!

[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.

Buying insurance wealth management dividend insurance is very, for quite upright, you want to manage your money you can buy ** regular investment, so that the flexible income of access is also higher than that of financial insurance.

Hello, I am a partner financial analyst Yu Fei, take 5 minutes to sort out the answers, I will do my best to your questions, satisfied with the trouble 5 Praise Oh Thank you

Dear Hello, the participating financial insurance sold in the market is reliable, and there is no such thing as deception, you don't have to worry about this.

Dear ones, many people have this misunderstanding about participating financial insurance because they don't understand it enough. Some consumers only understand a part of the participating wealth management insurance, and feel that they buy it because they are guaranteed to manage the financial insurance, but they ignore the investment risks behind the participating wealth management insurance. However, some consumers are misled by the introducer and blindly purchase dividend-paying wealth management insurance, resulting in the failure of their investment.

In addition, participating financial insurance is a long-term insurance, and the policyholder needs to have a certain amount of patience, and if you pursue high returns in the short term, you can consider other investment means.

Some consumers always think that participating financial insurance is fraudulent and has no protection. However, if it is a participating financial insurance issued by a regular insurance company, then it is reliable. If there is content in the product that deceives customers, then it will not be approved by the CIRC, and naturally it will not be able to appear in the market.

However, consumers should know that the income of participating financial insurance cannot be determined. The benefits given by the insurance company are predetermined earnings and not actual earnings. If the insurance company does not do well in the current year, the income will be lower than the intended income.

Summary. Participating insurance is generally divided into two accounts, one is dividends and the other is protection. The dividends in the dividend account are also uncertain, but the dividends of the current year will be recorded, and then the dividends will be distributed in the second year.

Hello, I received your question, it is being sorted out, and I will reply to you as soon as possible, please wait!

Wealth management insurance, generally concerned about financial management, the protection is low, and the investment income is uncertain, there is a possibility of loss, there is a possibility of earning.

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Participating insurance, in general, is divided into two socks and lead cover accounts, one is dividends and the other is protection. The dividends in the dividend account are also uncertain, but the dividends of the current year will be recorded, and then the dividends will be distributed in the second year.

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Satisfied. Ok thanks.

1. Different nature: wealth management insurance is a new type of insurance product that integrates insurance protection and investment functions. Participating insurance is a type of insurance in which policyholders can share in the operating results of the insurance company, and the policyholder is entitled to receive a dividend distribution based on the operating results of the insurance company every year.

2. Different regulatory models: Participating insurance is an effective means for life insurance companies around the world to avoid interest rate risks and ensure their own sound operation. Financial insurance is not.

3. Different business entities: wealth management insurance is a business operated by banks. Participating insurance is not.

If investors want to obtain higher returns, and investors with property or health protection needs, they can buy wealth management or insurance in Ping An Insurance.

At present, wealth management products are not principal-guaranteed products, and there is a possibility of losing principal, so investors should choose the right products according to their own risk generation ability, and it is generally not recommended that investors choose products with too high risk levels.

Ping An Wealth Management Insurance has Royal Enjoy Jinrui, Royal Enjoy Wealth 22, Royal Enjoy Wealth 23, Shengshi Jinyue, Shengshi Hengli Jinyue Privilege, Royal Wealth Pension, Wealth Pension 23, Enjoy Longevity, Wisdom Joy Life, and Smart Star, as follows:

1.Royal Jinrui: It belongs to annuity insurance, which can only be insured by people aged 28-70 years old, and the protection period can be selected for 8 years or 15 years, mainly providing special survival insurance, survival insurance, maturity insurance, and death insurance;

2.Royal Wealth 22: It is an annuity insurance, which is only available to people aged 28 days to 75 years old, with a protection period of 8 years, mainly providing survival insurance benefits, maturity survival insurance benefits, and death insurance benefits;

3.Royal Wealth 23: It is an annuity insurance, which is only available to people aged 28 days to 75 years old, with a protection period of 8 years, mainly providing survival insurance benefits, maturity survival insurance benefits, and death insurance benefits;

4.Shengshi Jinyue: It is an increased whole life insurance, which can be insured by people aged 0-75 years old, and can be insured for life, and the interest rate of the increase in the sum insured is, mainly providing death or total disability insurance protection;

5.Shengshi Jinyue Privilege: It is an increased whole life insurance, people born 28 days to 75 years old can be insured, the insured can be one or two people, can be insured for life, the interest rate of the increase in the sum insured is, mainly providing death or total disability insurance protection;

6.Royal Wealth Pension: It belongs to pension insurance, people aged 0-75 can be insured, and the protection period can be selected for 10 years or 15 years, mainly providing pension insurance, maturity survival insurance, accidental total disability insurance, and death insurance;

7.Wealth pension 23: It belongs to pension insurance, men aged 57-80 and women aged 52-80 can be insured, mainly providing pension insurance, maturity survival insurance, and death insurance;

8.Enjoy the extended life: It belongs to the pension insurance, which can be insured by people born 28 days to 75 years old, and mainly provides pension insurance and death insurance protection. Among them, the pension insurance can be guaranteed to receive for 20 years and 30 years;

9.Zhiyue Life: It is a universal insurance, which can be insured by people aged 18-60 years old, and can be insured up to 106 years old, with a guaranteed interest rate, mainly providing annuity and death insurance protection;

10.Smart Star: It is a universal insurance, people aged 0-17 can be insured, with a guaranteed interest rate, which can be insured for life, mainly providing annuity and death insurance protection.