What is a good universal insurance? Introducing a few models

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Many people think that universal insurance can buy protection and financial management, but can universal insurance really have universal protection? In fact, universal insurance seems to be comprehensive, and there are usually these kinds of problems:

Next, let's take a look at the income of universal insurance, at present, the guaranteed interest rate of this type of product will generally be between, in addition to the guaranteed interest rate, the extra part of the income is very unfixed, which is greatly affected by the insurance company. In general, the income of this type of product is low, which is far less than the excellent annuity insurance in financial management. I just sorted out a copy before.,Friends who need to know may wish to collect it first:

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According to the above summary, universal insurance can be purchased for protection, and it can also be managed by the way, and it is a multi-functional insurance product, but in most cases, the more functions of the insurance, the weaker the protection. It is more reasonable for us to follow this idea when buying insurance: first choose protection insurance products to ensure that the protection is complete, and then choose financial products.

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

Universal insurance is actually a kind of insurance type of Baoqi Tsai imitation + dividends.

There are generally three types of protection amount design of universal insurance: insurance premium + investment account value, the greater value of the coefficient between the insurance premium and the account value, and one of the coefficients of the insurance premium or account value.

Due to the different designs of the guarantee amount, different types of products have been formed:

1. Heavy protection type.

The amount of insurance is high, the upfront deduction fee is high, the investment account is small, and the early surrender loss is large. For example, Sino-British Life's "Golden Pineapple Section B", the sum insured is 50 times the premium, and the down deduction is as high as 65%, which is suitable for young and middle-aged people who have no quiet fiber other risk protection but have a certain investment risk tolerance awareness and ability, but to ensure long-term holding.

2. Heavy investment.

The insurance amount is low, the down deduction is small, the investment account has more funds, and the surrender loss is small.

Universal insurance is a type of insurance product. In addition to providing life protection like traditional life insurance, customers can also directly participate in the investment activities of the funds in the investment account established by the insurance company for the policyholder, and the policy value is linked to the performance of the policyholder's investment account funds 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.