What kind of insurance and financial management concept should be had?

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.

The characteristics of insurance and financial management are mainly low risk and high security. However, because the risk is lower and the safety is higher, the benefits are not too high.

In the long run, the expected rate of return of wealth management insurance is about 2%-4%, which is not even comparable to the inflation rate. When you buy insurance and wealth management products, you must read the insurance contract clearly and do not be deceived by the inflated returns.

In addition, if there is a need for money in the short term, it is not suitable to buy insurance and wealth management products, and the liquidity of such products is relatively poor.

In recent years, with the rapid development of the economy, people's investment awareness has gradually increased, and investment and financial management have begun to become a trend. As an emerging way of financial management, insurance has begun to be accepted by more people, so what are the advantages of insurance and financial management compared with other types of financial products? Next, follow the online loan platform of the Broker Exchange to understand the advantages of insurance and financial management.

Advantage. First, the guarantee function.

Insurance is a contractual act, and the rights and interests of customers are protected by both law and contract. Investment insurance and financial management can obtain corresponding protection, which is an effective measure to prevent economic losses and stress caused by accidents, which is a function that neither ** nor **.

Advantage. 2. Financing function.

The financing role of insurance and wealth management is manifested in two aspects. The first is risk financing, when the insured is at risk, he or the beneficiary can get a sum of insurance money. The second is direct financing, many policies have pledged loan commitments, as long as the insurance is valid for more than two years, the insured or the policyholder can apply for a loan from the insurance company, the term is usually half a year, at present, China's cash limit for insurance loans is about 80% of the cash value of the policy.

Advantage. Third, the benefits are large.

Investing in insurance and wealth management will earn more than the insurance premiums it pays, provided that the policy really works. This is also an important factor that distinguishes it from other financial wealth management products: it is impossible to meet and meet the promise of returns to investors according to the requirements of the insurance contract.

Insurance and wealth management just make up for this shortcoming, making the income method more inclined to investors.

Advantage. 4. Circumvention of judicial privileges.

Insurance and wealth management can avoid the restriction of special judicial power in the implementation process, in other words, when the investor's other property and wealth management products are frozen in accordance with the law, the insurance policy will not be frozen. This is also an important embodiment of the difference between insurance and wealth management and other financial products.

The above content is a summary of the four advantages of insurance and financial management, insurance is a relatively safe way of financial management, as long as it is used reasonably, it can greatly improve the effectiveness of financial management. However, remind everyone that the income of insurance and financial management cannot be guaranteed, and investment is risky, so everyone should be rational in insurance.

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.

Insurance can make our lives secure and at the same time enjoy certain benefits. Wealth management is also the most stable income product chosen by ordinary people, and this kind of product is a low-risk product that most people can accept. Nowadays, the interest rate of deposits in banks has become lower and lower, and the time is still long-term, wealth management products are undoubtedly a good choice.

Insurance and financial management, in short, is protection plus income.

The most important function of insurance is protection, which can give the family a peace of mind and a compensation in the event of an accident, and the income is relatively secondary. In today's situation of high inflation, the dividend clause in the insurance contract plays a certain anti-inflation function, which can make the principal increase in value while maintaining its value. After all, bank rates have been unable to keep up with inflation.

, and **, real estate and the like are too risky.

The financial management of insurance pays attention to the cumulative effect of time, and the younger and longer the insurance time, the greater the benefits.

It is recommended to purchase pension insurance for the breadwinner of the family.

Comprehensive insurance (participating), supplemented by additional health insurance and critical illness insurance. Accident insurance for children.

(The amount of insurance with death as the subject matter should not exceed 100,000, Insurance Law.)

It is stipulated that the upper limit of compensation for the death of minors is 100,000), which can be supplemented by education**.

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

It's all about financial management! Do you know the value and significance of insurance in financial management?

Insurance and financial management is financial management through insurance, which refers to the purchase of insurance to prevent and avoid financial difficulties caused by illness or disaster, and to make reasonable arrangements and planning of funds, and at the same time, assets can be ideally preserved and appreciated, rather than making a windfall.

According to the standard interpretation, bank wealth management products should be the capital investment and management plans that commercial banks develop, design and sell for specific target customer groups on the basis of analysis and research of potential target customer groups. In the investment method of wealth management products, the bank only accepts the authorization of the customer to manage the funds, and the investment income and risk are borne by the customer or the customer and the bank in accordance with the agreed method.

The "Interim Measures for the Administration of Personal Financial Management Business of Commercial Banks" issued by the China Banking Regulatory Commission (CBRC) is for"Personal finance business"The definition is"Commercial banks provide professional services such as financial analysis, financial planning, investment advisory, and asset management for individual customers"。The personal wealth management business of commercial banks is divided into financial advisory services and comprehensive wealth management services according to the different management and operation modes. What we call in general"Bank wealth management products", in fact, refers to the integrated banking services.

Bank wealth management and insurance wealth management are different business entities. Bank wealth management products are the business operated by banks, and insurance products are the business operated by insurance companies.

The role of bank wealth management is different from that of insurance and wealth management. The main role of bank wealth management products is to pursue capital security and certain returns, and compared with insurance products, there are differences between the two in terms of risk prevention, access methods and ownership. In terms of risk prevention, insurance products and bank wealth management products can prepare for future risks, but using bank savings to cope with future risks is a self-help behavior, while insurance can transfer risks to insurance companies, which is a mutual aid behavior.

In terms of access and withdrawal, the bank deposits and withdraws freely, and the interest is calculated at the current interest rate for early withdrawal, and there is no loss of principal, while the insurance product does not have the concept of access and interest, and whether the insurance money can be obtained is uncertain, and the insurance money can only be obtained when the insurance expires or when the insured accident occurs, and the insurance will bear certain losses if the insurance is surrendered early. Whether it is insurance products or bank wealth management products, they are all affected by the general economic and financial environment, and there are uncertain risk factors, so insurance products and bank wealth management products cannot be simply compared.

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

It's all about financial management! Do you know the value and significance of insurance in financial management?