The function and significance of financial insurance, the meaning and importance of financial manage

Wealth management insurance is a new type of insurance product that integrates insurance protection and investment functions, and is a new type of life insurance. At present, the types of financial insurance carried out in China mainly include participating insurance, investment-linked insurance and universal insurance.

The investment nature, risks and returns of wealth management insurance products of different underwriting companies are generally different. If you want to know more about Ping An Life's products, you can call Ping An Life 95511-1 for more information.

If you have investment needs, Ping An Bank has launched a variety of wealth management products to meet the needs of investors, the expected returns, investment directions, and risks of different wealth management products are different, you can log in to Ping An Pocket Bank APP-Finance-Wealth Management to understand and purchase.

2. Before investing, it is recommended that you first understand the risks of the project, and have a clear understanding of the project's investors, investment institutions, on-chain activity and other information, rather than blindly investing or mistakenly entering the capital market. Investment is risky, and you should be cautious when entering the market.

Xueba talks about insurance, focusing on insurance evaluation! What are the popular financial insurances? What's the difference? Here is a ranking for you to refer to first"Top 10 Annuity Insurance Points Worth Buying! 》

Now the more popular financial insurance is only these types: annuity insurance, universal life insurance, participating life insurance, education funds, increased life insurance, investment-linked insurance, etc. This kind of insurance is a bit complicated, but if you are clear about whether you want protection or financial management before buying insurance, you will generally not go wrong.

First of all, more than 90% of ordinary families are not suitable for buying financial insurance, unless the basic protection is complete, you can refer to this article for the configuration of basic protection"3 sets of plans, complete with a family's insurance".

If the economic conditions still allow after that, I will want to buy financial insurance.

Let's go back to financial insurance. Many people will like to buy wealth management insurance as an investment channel because of these advantages of this type of product:

2.Forced savings. Buying a wealth insurance such as pension insurance, education fund, etc., is a savings and an income.

3.Achieve wealth inheritance. With the help of wealth management insurance, the value of wealth can be increased, and finally passed on to the designated person.

But in addition to the advantages, in all fairness, there are also many disadvantages of financial insurance, mainly the following:

1.Low yields. In financial insurance, low risk equals low return, and in the long run, financial insurance can have about 2% or 4% income.

2.Low asset flexibility. Allowing money to be withdrawn or refunded at any time may just be a resounding name, but if you do, you will lose a lot of money.

After talking about the advantages and disadvantages, you can judge whether to buy financial insurance based on your actual situation

The above is a simple analysis of financial insurance, and if you want to ask about the most popular financial insurance, you have to mention annuity insurance. If you want to ask which annuity insurance is better, I have compiled a list here"Top 10 Annuity Insurance Points Worth Buying! 》

What do you want to ask? The simple understanding is:

The meaning of insurance is that the majority helps the few.

The function of insurance: it is to exchange small money for big money.

Financial planning should take into account three factors: risk, profitability and liquidity.

Financial planning requires you to first analyze your financial situation, including your assets, liabilities, income and expenses.

Financial planning should have appropriate goals and long-term persistence and continuous optimization.

The most important thing is to have channels for investment and financial management, and reliability is the most important.

The first floor is written in great detail.

38 degrees in a row, it's really okay 63

If you don't learn how to manage money, money won't care about you.

Why are you wearing these broken shoes today? 57

Hello, the significance of insurance and financial management involves a wide range of things, but generally speaking, insurance and financial management are mainly the role of capital preservation and compulsory savings, and in a large range, the role of insurance for different groups of people is not the same.

For ordinary people, the protection role of insurance is far greater than the significance of financial income, and the function of insurance protection is not to change life, but to ensure that future life will not be changed due to accidents, diseases, pensions and other issues;

For the wealthy class, the financial significance of insurance is stronger, such as asset planning and inheritance, reasonable tax saving, etc.

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

I think it's forced to save because it's a long time. I can save money for myself.

And it is more secure, because the law stipulates that insurance companies cannot go bankrupt, and even if they go bankrupt, other insurance companies must connect with relevant businesses to ensure the rights and interests of customers.

In addition, the insurance contract will have clear terms indicating that the contract guarantees the principal and the minimum interest.

Summary. Hello, happy to answer your <>

The function and significance of wealth management life insurance are as follows: life insurance, the protection responsibility is very simple, as long as you die or are completely disabled during the protection period, you can pay as much as you buy. Its main function is to prevent the loss of income and debt repayment pressure that may be caused by death, and it is the product that can best reflect the temperature of insurance.

Depending on the duration of coverage, life insurance can be divided into whole life insurance and term life insurance. Whole life insurance is a lifetime, when people leave, when they lose money, 100% can get the money. For the vast majority of families, buying life insurance is used to hedge the risk of death during the critical period, so Uncle Jiang recommends that term life insurance be the first choice!

Whole life insurance, on the other hand, is mainly used as a means of wealth appreciation, debt segregation, and asset inheritance.

The function and significance of wealth management life insurance.

Hello, happy to answer your <>

The function and significance of wealth management life insurance are as follows: life insurance, the protection responsibility is very simple, as long as you die or are completely disabled during the protection period, you can pay as much as you buy. It is used to prevent the loss of income and the pressure of debt repayment that may be brought about by death, and it is the product that can best reflect the temperature of insurance.

Depending on the duration of coverage, life insurance can be divided into whole life insurance and term life insurance. Whole life insurance is a lifetime, when people leave, when they lose money, 100% can get the money. For the vast majority of families, buying life insurance is used to hedge the risk of death during the critical period, so Uncle Jiang recommends that term life insurance be the first choice!

Whole life insurance, on the other hand, is mainly used as a means of wealth appreciation, debt segregation, and asset inheritance.

Extended information: insurance has the ability of economic compensation, financial integration and social management, insurance is a choice to deal with sudden accidental injury, natural injury loss and avoid liability risks, economic compensation function is the basic function, but also the most distinctive feature of insurance from other industries. Seeing that many people are empty of people and money due to various diseases, accidents, and finally caused by both people and money, although insurance cannot save lives, insurance will help every member of the family to fulfill love and responsibility.

Insurance is the preparation for prevention, and having an insurance policy is to be prepared to face various risks. During the insurance period, there is no risk of issuing Tong jujube, and the insurance regret wheel guess has also become another way to invest and manage money. If you can be insurance conscious and can save a little bit every month, you can buy yourself a wealth and protection and peace of mind.

1.Guarantee for the future. Through fixed deposits or the purchase of wealth management products, you can accumulate a certain amount of wealth for your future life or educate your children, so as to protect your life and cope with emergencies. This is the most basic and important meaning.

2.Financial freedom. Through long-term continuous savings and financial management, you can accumulate a certain amount of wealth and achieve financial freedom, and will not cause difficulties in life due to a decrease in expenses or income.

It takes a longer period of effort, but it can achieve a higher level of security.

3.Wealth growth. By choosing a certain deposit and wealth management method, money can increase in value to a certain extent, such as fixed deposits with a long survival period, **, ** and other financial products, and wealth will not depreciate under inflation.

This requires a certain level of investment awareness and risk tolerance.

In contrast, Just-in-Time is more focused on the satisfaction and experience of the moment. Its significance lies in its ability to bring mental and physical pleasure and relaxation. But it doesn't bring the aforementioned life security, financial freedom, and wealth growth.

Therefore, the two should not be completely opposed, and the key is to balance them appropriately. My advice is: try to save for your life and plan for the future, but at the same time, enjoy life properly and have fun in a timely manner.

It is necessary not only to have the awareness of taking precautions, but also to know how to use wealth to improve the quality of life. Saving too much may not be worth the money, and having too much fun will cause a financial burden. Moderation is key.