How about the rich life dividend type of Chinese life insurance

Xueba talks about insurance, focusing on insurance evaluation! The comparison table between the 35 participating insurance products and the mainstream 1010 critical illness insurance products in 2020 is here35 participating insurances and 101 hot-selling critical illness insurance products are PK, to friends who know this article.

The feature of participating insurance is that policyholders can share the operating results of the insurance company while enjoying the protection, which not only has the protection function, but also can obtain dividends, killing two birds with one stone.

Hearing the word "dividend", 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 have bought dividend insurance friends, have you really received the "red"? Anyway, I haven't seen anyone actually make a significant profit.

Clause.

1. The dividends of participating insurance products are unknown to the experience of insurance companies.

Second, the dividend pool is not transparent.

The existence of these two characteristics makes the dividends that customers can get an unknown, and because of this, the participating insurance has become the insurance with more consumer complaints, and the reasons are in my articleWhy is participating insurance a "high-incidence area" for insurance?

It's all clear.

With the complexity of participating insurance, novices who do not have certain insurance knowledge should not buy it easily!

That's all for me"How about the rich life dividend type of Chinese life insurance"All, look!

Xinhua Insurance Company "Happiness Life" can receive dividends on the tenth day of the first year after purchase, and can also receive it once at the end of the year, and then receive it once a year, pay for 10 years and receive it for life, and the principal can also apply for 95% after the expiration of the payment period, or you can not apply for it for the next generation.

1. I don't know the type of insurance for Chinese life, but the participating insurance generally has a minimum income guarantee. At the same time, it is compounded and should be slightly higher than a one-year period. 2. Dividends are slightly higher for one year, and there are different ways to pay dividends, including those that accumulate in your account and other ways.

3, but the dividend insurance has to deduct a large amount of principal in the early stage. Therefore, although the interest rate is slightly higher, it will take a long time to return to the principal4, and the insurance must consider the protection function after all. So it can't be compared with savings, it's not comparable.

Life Insurance, Golden Tripod Wealth, Wealth and Wealth Insurance Dividend, the annual dividends will be paid to the account.

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. To put it simply, it is to share the dividends and enjoy the company's operating results.

The dividends of participating insurance** are the "three difference income" of the life insurance company, namely the difference in death, the difference in interest and the difference in fees. The distribution methods of dividends mainly include the cash dividend method and the increase dividend method, the two surplus distribution methods represent different distribution policies and dividend concepts, and the transparency and connotation of the fairness and fairness of the connotation are different, and the impact on the share of policy assets, liability reserves and cash flow of life insurance companies is also different, so from the perspective of safeguarding the interests of policyholders, life insurance companies should be very cautious about the formulation and change of dividend distribution methods, and pay attention to the reasonable expectations of policyholders. To implement the principle of integrity management and fairness of dividend distribution, it is necessary to fully consider the impact of dividend distribution on the company's future dividend level, investment strategy and solvency.

Participating insurance is a wealth management insurance product. Those who purchase participating insurance can also share the operating results of the insurance company in the form of dividends while receiving death benefits and survival benefits.

The distributable surplus of the participating insurance** is the difference between the insurer's hypothetical mortality, return on investment and expense ratio and the actual difference. For example, there may be situations where the mortality rate of the actual insured population is lower than the hypothetical, or the actual investment return is higher than the hypothetical return.

These differences make the insurance company generate a certain surplus, which is the distributable surplus of the participating insurance.

The China Insurance Regulatory Commission stipulates that insurance companies should distribute at least 70% of the distributable surplus of participating insurance to customers every year. There are two ways to distribute dividends: cash dividends and incremental bonuses.

Cash dividends are dividends that distribute the surplus directly to policyholders in the form of cash. Incremental dividends are dividends that are distributed annually in a way that increases the sum insured throughout the term of insurance. At present, most insurance companies in China adopt the form of cash dividends.

Under the distribution method of cash dividends, dividends can be received in a variety of ways: cash, interest accumulation, premium payment and purchase and land purchase to pay off the increase insurance.

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

Product Introduction. Product Name: Shengshi Wealth Insurance (Participating).

Product category: Wealth management insurance sold through banks and postal savings counters.

Product features: various payment methods, flexible insurance period; On the basis of guaranteeing basic income, you can also enjoy the company's dividend distribution.

What you need to know. Age of the insured: 28 days to 65 years old.

Payment period: 3 years, 5 years, 8 years, 10 years.

Payment method: annual payment.

Insurance Liability. Duration: 6 years, 10 years, 15 years, 20 years.

Maturity Premium: At the end of the insurance period, the maturity payment shall be based on the amount of the basic insurance amount and the number of years of payment.

Death or Total Disability Benefit: Basic Sum Insured Number of years of contribution at the time of death or total disability.

Accidental Death or Total Disability Benefit: 2x (Basic Sum Insured Number of years of contribution at the time of death or total disability).

Public Transport Accidental Death or Total Disability Benefit: 3x (Basic Sum Insured Number of years of contribution at the time of death or total disability).

Air traffic accident death or total disability benefit: 5x (basic sum insured at the time of death or total disability).

This is a financial insurance, what you can see is accident and death, if you have not bought other insurance before, it is not recommended to buy this for the first time.

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

The differences between universal insurance and participating insurance are as follows:

1. Participating insurance is a traditional type of insurance, and its insurance amount and payment period are all stipulated. It can't be changed. You must pay on time, and universal insurance is different from traditional insurance, its insured amount can be increased or reduced at any time (the premium paid does not need to change), the payment period can also be set by yourself, this year is not paid, the policy will not be invalid (on the basis of the policy value is not less than the protection cost of the year), the money in the investment account can be withdrawn at any time.

2. Dividend insurance is mainly to evaluate the profit and loss of the three differences, and then at least 70% of the distributable earnings of the year are allocated to customers, the transparency of dividend insurance is low, and the company's operating conditions and so on have little impact on the dividends of dividend insurance.

Universal insurance is a segregated account, the money in the account is used to invest, and then reap the return, with an obvious interest rate rise with the nature of inflation, the ability to resist inflation is stronger than dividend insurance.

3. Dividend insurance is compound interest on an annual basis, and universal insurance is compound interest on a monthly basis.

4. Participating insurance is term insurance, and universal insurance is current insurance.

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