26 In universal insurance, the sum of net risk sum assured and cash value is

In some universal insurance plans, the sum of the net risk sum assured and the cash value is the total death benefit.

There may be many people who don't know much about this knowledge, so let's talk to you about it

In universal insurance, the general death benefit is a certain percentage of the policy account value, and the specific amount of compensation depends on how the contract stipulates.

Most people buy universal insurance for financial management, because universal insurance is a kind of insurance that has both financial management and protection functions.

Many people don't know how universal insurance is used for financial management, and friends who don't understand can take a look at this article: Wealth management with universal insurance, stable and safe income? Doxxing universal insurance!

When we choose universal insurance, it is best to focus on two interest rates - the guaranteed interest rate and the settlement interest rate.

Both rates are as high as possible.

First of all, the guaranteed interest rate is an interest rate promised by the insurance company to the consumer, which is written into the insurance contract.

The guaranteed interest rate in the market is generally as follows:

The other settlement interest rate is the interest rate that is finally given to the consumer, which is not written into the contract and cannot be determined, and the historical settlement rate of the product can generally be viewed on the official website of the insurance company.

We can refer to this historical settlement rate to see what range the interest rate is generally in, and it is generally better if the interest rate is more stable and the interest rate is relatively high.

Generally speaking, the sum of the net risk sum assured and the cash value in a universal insurance policy is the total death benefit. Universal insurance is actually an insurance product that can take into account a certain personal protection function and financial management function, universal insurance generally comes with a universal account, and consumers can save money into it for compound interest and value-added.

However, there are many things to pay attention to in universal insurance: how much money can you make by buying universal insurance? Don't be sold, be happy.

Hello, which type of insurance do you mean?

Summary. That's a very good question, the minimum guaranteed interest rate for universal insurance is set when the universal insurance product is originally designed.

What determines the minimum interest rate protection of universal insurance, i.e., security, is determined by the account of universal insurance?

That's a very good question, the minimum guaranteed interest rate for universal insurance is set when the universal insurance product is originally designed.

Because each insurance company searches for insurance products when designing insurance products, due to different costs and concepts, the minimum guarantee rate of universal insurance of each insurance company will also be different. 1. The lowest guaranteed interest rate is currently available; 2. The second lowest is 2%. 3. The third gear is.

4. The highest guaranteed return is 3%. Cracked stuffiness.

Celery Pin Answer] :d

In the balanced payment model of the death benefit method of universal insurance, the sum of the net risk insured amount and the cash value becomes the balanced death benefit amount. Therefore, D is selected for this question.

Universal insurance is a type of insurance product, and the policy value is linked to the performance of the policyholder's investment account funds operated independently by the insurance company. In universal insurance, the sum of the net risk sum assured and the cash value is the total death benefit.

Universal insurance is a kind of investment-type life insurance that coexists with risk and protection, and is between participating insurance and investment-linked insurance.

Under this "universal insurance" insurance method, the insurance premium paid by the consumer is divided into two parts, one is used for insurance, and the other part is used for investment, and the money in the investment part can be converted into insurance by the consumer independently, which may be manifested in the adjustment of changing the payment method, payment period, insurance disturbance amount, etc.

In foreign countries, generally speaking, the risk of the investment part is borne by the consumer; In domestic universal insurance, a minimum guaranteed rate of return is generally given, and the elderly can make a trade-off between the minimum guaranteed rate of return and the interest rate of bank demand deposits.

Total survival benefit refers to the sum of the accumulation of dividends, the accumulation of return of survival benefits and the cash value (surrender benefit) of the previous years in traditional insurance.

The total death benefit refers to the sum of the accumulation of dividends, the accumulation of survival benefits and life insurance in the previous years in traditional insurance. In the case of accidental death, the sum insured of the accident insurance must also be added.

The universal account refers to the cash value (surrender money) of the universal insurance, and the universal closed account of universal insurance is more flexible than the universal insurance and can be partially withdrawn at any time. Additional fees can also be made if certain conditions are met.

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

The cash value refers to the amount that is refunded by the insurance company to the policyholder when the policyholder surrenders the policy or the insurance company terminates the insurance contract. Under normal circumstances, the insurance company determines the insurance rate according to the probability of the occurrence of the insured event, and the insurance rate is high if the probability of the accident is high, and vice versa, the insurance rate is low. One type of life insurance is called cash value life insurance, which helps to understand the value of cash.

The cash value of an insurance policy is the value of a life insurance policy with a savings nature. Insurers usually set aside liability reserves for the performance of contractual obligations, and if you surrender the policy in the middle of the policy, the liability reserve of the policy will be used as a refund for the payment of termination. The amount that should be reimbursed by the life insurance company when the insured requests to terminate or surrender the policy.

In long-term life insurance contracts, the insurer is usually required to deposit a certain amount of liability reserve in order to fulfill its contractual obligations. When the insured requests to terminate or surrender the policy for any reason within the validity period of the insurance, the insurer shall return to the insured the balance of the liability reserve minus the cancellation deduction according to the regulations, and this part of the balance is the termination payment, that is, the cash value of the policy at the time of surrender.

Answer]: A universal insurance policyholder can choose to pay any amount of premium at any time according to his wishes after paying a certain amount of initial premium. As long as the cash value of the policy is sufficient to cover the relevant expenses of the policy, the validity of the policy remains unchanged.

Therefore, Benyan chooses A.

Answer] :d when the actual rate of return of the separate account is lower than the minimum guaranteed interest rate per mu, the interest rate of universal insurance should be the minimum guaranteed interest rate.

Summary. Hello, dear, I'm honored to answer for you! <>

Universal insurance, referred to as universal insurance, is a type of insurance product, which is a life insurance, and one of the following misrepresentations is that universal insurance is a "life insurance". Don't think that it is a financial product. Universal insurance is also an insurance product.

Therefore, it has the basic functions of life insurance, such as: providing corresponding life protection, insurance benefits are exclusive, and insurance benefits are exempt from income tax.

2.Universal insurance, referred to as universal insurance, is a type of insurance product, which is a life insurance, and the following is one of the wrong statements.

Hello, dear, I'm honored to answer for you! <>

Universal insurance, referred to as universal insurance, belongs to a class of insurance products, is a life insurance, the following statement of its wrong potato rolling detection is universal insurance is a "life insurance". Don't think that its financial management is a number of tomato financial products. Universal insurance is also an insurance product.

Therefore, it has the basic functions of life insurance, such as: providing corresponding life protection, insurance benefits are exclusive, and insurance benefits are exempt from income tax.

In addition to providing protection for the life of the insured before the insurance company is the same as traditional life insurance, it also allows customers to directly participate in the investment activities of the funds in the investment account established by the insurance company for the insurance company, and the policy value is linked to the performance of the funds in the investment account of the policyholder operated independently by the insurance company. Most of the premiums are used to purchase investment account units set up by insurance companies, and investment experts are responsible for the transfer of funds in the account and investment decisions, and invest the funds in various investment vehicles.