Which financial investment insurance has high returns? Who has voted?

Many people want to manage their finances by buying insurance, but there are very few cost-effective financial insurance on the market"Top 10 Worth Buying Financial Insurance! 》

Financial insurance is a complex type of insurance, and these points must be known first

1.What are the financial insurances?

Financial insurance can be divided into four categories, financial insurance includes the education fund that has been popular recently, but is it really necessary to buy the education fund for children? If you want to know, look directly at this article:"Must-read for parents:

Is it necessary to buy education insurance? How to choose the right product? 》

2.How to choose financial insurance?

Space is limited, so the details are provided first"Learn this trick and stay away from the pit of 99% of financial insurance".

To choose financial insurance, you can start from these three points:

(1) Dividends are not necessarily cost-effective

The dividend of the policy is uncertain, although the China Banking and Insurance Regulatory Commission stipulates that at least 70% of the distributable surplus of the participating insurance business in the current year is given to the policyholder, but this value depends entirely on the insurance company.

(2) The higher the guaranteed interest rate and settlement interest rate, the better

Guaranteed interest rate: The money transferred from the annuity account to the universal account or the money you want to add in the future must be calculated according to the guaranteed interest rate, and the current CBIRC stipulates that the guaranteed interest rate cannot exceed 3%.

Settlement Interest Rate: The settlement interest rate is the actual interest rate announced by the insurance company every month, which is affected by the operating conditions of the insurance company.

(3) Choose different revenue trends according to demand

The income trend of different wealth management insurance is also different, some are cash value can be recovered quickly, and the cash value of some wealth management insurance is very slow, but you can receive a lot of pension in the later stage.

If you think that you may need this fund at any time, you should choose an annuity insurance with a fast cash value to better help the capital turnover. If you only have pension needs, you can choose products with slow return on investment in the early stage.

3.Who should buy financial insurance?

(1) Middle-class parents

Financial insurance is suitable for middle-class parents to buy for their children, leaving some money for their children is the idea of most parents, and if you buy it for your children, because the insurance period is long, the income will be better.

Many people will want to spend this money, and there is nothing wrong with it, because the money after entering the universal account is at the disposal of the policyholder. Therefore, although it is the parents who buy it for their children, it is the adults who have the initiative in the funds.

(2) Business elites over 40 years old

Another main group of people who buy financial insurance is entrepreneurs or company managers who are over 40 years old, and this part of the people has strong economic strength, and insurance brings not a rich return on investment, but stability and security, which is a good way to inherit wealth. Hope!

Insurance doesn't have to be considered ......Bank of China or CCB has an online platform called Liwang, you can take a look.

The Fortune Treasure in the Yue Bao.

Financial management is risky, please be cautious!

Which insurance company has a high financial return? There is usually no standard answer to this question as everyone's needs and preferences are different.

At present, the more common wealth management products include increased whole life insurance and annuity insurance. For details, see: "The most complete list of wealth management insurance, which annuity insurance and increased whole life insurance are worth buying before delisting?" 》

Hello, at present, there are still a lot of financial insurance with relatively high returns on the market, such as Evergrande, Hengqin, Aixin, Great Wall, Xintai, etc., and the financial insurance income of these insurance companies is still relatively bright. In the end, it is still necessary to match your needs and choose the most suitable product for you.

Taikang Life's profitability has ranked first in the industry for 14 consecutive years.

Insurance and high-yield financial management? Think too much.

No matter where you are, you can make a lot of money.

Which kind of investment and financial insurance is better should be decided according to the individual's risk tolerance and the level of return pursued.

Financial insurance not only has the protection function of insurance, but also has the investment function, which is a new type of life insurance. There are three types of wealth management insurance: participating insurance, investment-linked insurance, and universal insurance.

1. Dividend insurance, which not only has the protection function of insurance, but also can get a certain dividend from the insurance company, and the amount of dividend is related to the operation of the insurance company;

2. Investment-linked insurance, which has the function of insurance protection, can also get income, but compared with the other two types of insurance, its income is higher, but the risk is also greater than them;

3. Universal insurance, it is a very convenient insurance, its insurance premium can be paid arbitrarily, and the death insurance amount can also be adjusted arbitrarily.

Test your anti-risk index, experts will interpret it for you for free!

Hello, the question of which is better for investment and financial insurance, according to each person's different risk tolerance and the most demanding focus, the suitable product types are also different.

If you want to know which is better for investment and financial insurance, you can click to make an appointment for 1-to-1 insurance planning service, and Deep Blue Insurance will provide you with professional advice.

Investment and financial insurance includes the following 4 types:

1. Annuity insurance.

In our lives, there are some places where we can't afford to spend money, such as: children's tuition fees, our own pensions. If you want to save money for this kind of "rigid expenditure", then annuity insurance will be very suitable.

The proceeds are written into the contract, and the money will be returned every year for the agreed year. But its disadvantages are just as obvious: it is less flexible, and the maximum profit is only 4%.

2. Universal insurance.

Universal insurance is equivalent to the "Yue Bao" in the insurance industry, which can be invested at any time if you have spare money, and you can withdraw it at any time if you need it urgently.

The benefits of universal insurance will be more attractive: the money invested in it will be calculated according to the latest settlement rate (e.g. 5%).

This interest rate is subject to change and will be announced on the insurance company's official website every month, but no matter how it changes, it will not be lower than the guaranteed interest rate (such as .

3. Increase the amount of whole life insurance.

Incremental Whole Life increases the sum assured by a fixed percentage each year. At present, the increase in the amount of whole life in the market has the highest income around it, which is not very high.

It is similar to annuity insurance, and the advantage is that the income is stable. The difference is that annuity insurance will automatically return money in a predetermined year, while increased whole life will not, but if you need to use money, you can also manually apply for "reduced withdrawal" to take out the cash value of increased whole life.

4. Investment-linked insurance.

Investment-linked insurance is the "**" of the insurance industry. Clients who hand over their money to insurance companies and have it managed by a professional team can be very rewarding or seriously loss-making.

Just as there are 3 types of ILAS, there are 3 types of accounts:

Aggressive Accounts: Pursue high yields, but also high risk.

Balanced Account: Pursue stable returns and take certain risks.

Conservative account: Avoid losses first, and gains are secondary.

Most ordinary people will consider the safety of funds and stable income at the same time, so financial insurance can buy annuity insurance and increase whole life insurance.

The income of wealth management insurance is determined according to the annual operation of the insurance company, which is uncertain.

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. Insurance companies that operate investment insurance make full use of their scale, investment advantages and investment experts to strive for the maximum investment benefits for policyholders. At present, the types of financial insurance carried out in China mainly include participating insurance, investment-linked insurance and universal insurance.

Financial management through insurance refers to the reasonable arrangement and planning of funds through the purchase of insurance, to prevent and avoid financial difficulties caused by illness or disaster, and at the same time to obtain ideal preservation and appreciation of assets.

Regarding the principle of insurance, it should be noted that:

1) Buy insurance first to buy medical health, health can ensure that customers have everything.

2) Buying insurance is light on words and heavy on contracts, life insurance is generally medium and long-term contracts, and if you buy it, you can become a lifelong happiness, otherwise it will have a great impact.

3) Insurance products need to have the function of maintaining and increasing value, and the current standard of living is increasing day by day, and must be able to curb inflation.

4) To buy insurance, you must first protect the head of the family, if the main wealth creator of the family is not protected, then the premium? Cost of living? and other family expenses are not ***.

5) Buy insurance first for adults and then children, and adults are the best protection for children. If adults are not protected, no matter how much insurance children have, it is meaningless, after all, it is the adults who pay the relevant fees for the children.

Hello! On the whole, wealth management insurance can be roughly divided into universal insurance, participating insurance and investment-linked insurance, among which the investment income and risk of each type of insurance are also from low to high.

Here, I would like to remind you that when you carry out insurance and financial management, you must pay attention to making a clear plan for your own economic situation and needs, you can take a look at these: In addition, you should also pay attention to avoid some possible insurance and financial management misunderstandings while buying financial insurance.

The basic issues to be paid attention to in insurance and financial management:

1 Before purchasing insurance and financial planning, it is recommended that consumers keep a clear head, make a comprehensive assessment of their financial situation, expected returns, risk appetite and tolerance, financial goals and many other factors, and choose products suitable for themselves according to their actual situation.

2 Before purchasing insurance financial planning, it is necessary to fully understand the role and operation of each company's investment-linked insurance, and not just listen to the words of the marketer.

Is it worth buying financial insurance from an insurance company? How is it different from other wealth management products?