It is more cost effective to buy Ping An s Nirvana Life Insurance or to deposit bank fixed deposits

Rich life is a comprehensive insurance, you pay 5500, what is the amount of insurance, if I am not wrong, it should be 10,000.

If you don't get a fixed income once every two years, 9% of the insured amount of 10,000 yuan 10,000*9%=900

In those six years, he took a total of 2700 three timesThere are some dividends on the outside, and the dividends are uncertain, and the minimum can be zero. In the past two years, because of Ping An Investment, there are more dividends, but the future is not very certain, and no one can guarantee whether there will be past performance.

Insurance is not the best tool for investment, but there are some investment functions, more than stable, but the expected return should not be as good as professional financial tools, the selling point of this product is that the investment time is short, the income time is long. The disadvantage is that if you want to get back all the principal of the silver you have paid, if you don't consider the dividends, you need to do so, 5500 * 5 = 10000 * 9% * x (dividends) x = 30 (dividends) Because once every two years, that is, 60 years, of course, there are dividends that will shorten this time.

In addition, the insurance is all actuarial, so there shouldn't be much room to take advantage of.

Send me the proposal for you to see, I don't think it's reliable.

If the cash value on the insurance contract is more than 45,000 · There must be so much... There's no going wrong with that...

However, a certain value should be determined to be the cash price of the policy·· It's not a guarantee or anything that people say...

If you're ready to surrender the policy in the sixth year, forget it, don't mess with the insurance company.

Bank deposits and Ping An's Shengshi Jinyue (Premium Edition) increased whole life insurance, both have their own advantages and disadvantages, and can only be said to be suitable for people with different needs.

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Generally speaking, bank deposits are fixed and have fixed interest rates, such as the more common time deposit interest rates in banks, and the 5-year deposit interest rate of many banks is around.

Therefore, if you value fixed income or short-term return of principal and interest, you can consider depositing your money in the bank.

Ping An's Shengshi Jinyue (Premium Edition) increased whole life insurance for life, although it also has financial management functions, but the time to generate income is slower than that of banks, and we may have to wait for decades after paying the premiums before the rate of return can reach a more considerable level.

However, Shengshi Jinyue (Premium Edition) Incremental Whole Life Insurance also has the advantage of having certain protection functions, such as the death benefit of the product, if the insured unfortunately dies due to illness or accident in the later stage, the beneficiary can get a compensation.

In addition, the sum insured of the whole life insurance will increase according to a certain interest rate, and the sum insured of the product will increase a lot compared with the previous period in the later stage of protection.

If you want to have protection at the same time, but also want to have long-term stable financial management, such as buying yourself a pension insurance, then Shengshi Jinyue (Premium Edition) increased whole life insurance is worth considering.

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Finally, the insurance applicable to different age groups is different, and blind purchase may be a waste of money, see here for the specific insurance plan:

How to buy insurance at the same age? Everyone should have their own plan

That's all there is to it, hope.

Some. In order to enhance the soundness of the financial system and enhance the ability of the banking industry to compete and serve the real economy, the Regulations on Deposit Insurance of Stove Bucket came into effect on May 1, 2015. The deposit insurance system is based on the existing bank deposit management to protect your deposits.

With deposit insurance**, your deposits are safer than ever. In the event of a bank problem, the deposit insurance** administration takes over the "problem bank". Recently, the People's Bank of China (PBOC) released the "2021 China Financial Stability Report", saying that all the conditions for the establishment of a deposit insurance system have been met, and it will be introduced and organized at an opportune time.

Wu Xiaoling, former deputy governor of the People's Bank of China and vice chairman of the Financial and Economic Committee of the National People's Congress, said at a recent meeting that deposit insurance may be launched before the end of the year. According to the ** report, the relevant person in charge of the central bank has said that in the future, deposit insurance institutions may implement a limit insurance system, and the central bank plans to provide full insurance for 98% of depositors. On October 27, Ma Delun, former deputy governor of the People's Bank of China and president of the China Financial Accounting Society, revealed at the "10th China International Financial Forum" that the design of the deposit insurance system has been basically completed and will be launched soon.

According to this reporter's understanding, the background of the introduction of the deposit insurance system is that since last year, the marketization of interest rates has been markedly accelerated. In particular, the lower limit of the lending rate has been relaxed, and the deposit interest rate of various maturities has also been raised to a maximum of 10%. In this regard, Zhang Lizhou, general manager of the investment banking department of Minsheng Bank, said that the deposit ceiling will be completely liberalized in the future, so that the market deposit interest rate will rise, the loan interest rate will fall, and the profit margin of commercial banks will be squeezed, so the interest rate marketization will often lead to more fierce market competition.

However, after the marketization of interest rates, it will inevitably be accompanied by the establishment of a deposit insurance system, because once the state no longer has a bottom line, there must be market-oriented measures to solve the problem. A few days ago, a person from a state-owned bank in Guangdong pointed out that in the future, banks and citizens should change their thinking, strengthen their risk awareness, and treat commercial banks as ordinary enterprises; Second, we need to change the way we save. Keep large deposits separate and don't put all your eggs in one basket.

The deposit insurance system is to protect depositors from losing their money in the bank due to bank accidents. Mr. Zhang, a citizen, said that because the compensation has a certain limit, "so you can't keep all the money in one bank." Zhang Lizhou, general manager of the investment banking department of Minsheng Bank, also pointed out that according to the current situation, the difference between the public to deposit money in state-owned banks, joint-stock banks, and city commercial banks is not very big, because there is a national backing, and there will not be much risk, but after the introduction of the deposit insurance system, there will be a difference, and the risk capacity of different banks is different.

Therefore, members of the public should consider the bank's brand, past operating ability and overall strength as much as possible when choosing bank deposits.

The deposit bank is more free to deposit and withdraw, and in terms of interest, you can't tell you which one is high and which one is low, after all, the bank's deposit method is different, and the type of insurance compared with insurance is also different. If you buy financial insurance, the interest rate is higher than that of a one-year fixed deposit in the bank. But the most important meaning and function of insurance is to protect this aspect.

In addition, if you deposit insurance, it will definitely increase the value of the bank, and the bank also has the risk of failure, the four major state-owned banks are unlikely, but other commercial banks dare not guarantee it, in case of failure, your money can only be taken out at most 20%; The Insurance Law clearly stipulates that insurance companies are not allowed to go bankrupt. Life needs wealth, wealth needs to be planned, you can't use a financial tool to avoid the risks you are facing, wealth is only the bottom of the posture is protection, just like the roots of a tree, the roots are solid, the tree will flourish, so you don't have to worry about being blown down by the wind; The middle layer is savings, and the top layer is investment.

Which do you think is more cost-effective, insurance or savings?

The functions of insurance and financial management are completely different, one is "protection", and the other is to obtain income. "Satisfying the guarantee" is the foundation, which can keep you away from the "risk" and avoid falling into trouble, and if you still have excess funds, you can consider "saving money".

If it is an investment need, it is recommended to choose a simple "wealth management product"; If you need protection, it is recommended to choose an insurance product with a high coverage amount and low cash value.

If you want to "save money", you can pay attention to the "smart bank deposits" of small and medium-sized banks, and enjoy the deposit insurance protection (according to the "Deposit Insurance Law": individuals enjoy 100% compensation within 500,000 yuan for ordinary deposits in a single bank), and the "interest rate" is about 4%, which has the advantages of high liquidity (can be withdrawn in advance) and higher interest rate than general time deposits.

The answer is, of course, no. Insurance is a consumer product. Forced savings are, of course, unreliable. You still need to be cautious when choosing insurance.

Ping An Insurance is not allowed to deposit money, and those who need to save money can handle the deposit business through banks, such as Ping An Bank, a subsidiary of Ping An Group, to enjoy the treatment of guaranteed principal and interest.

However, although Ping An Insurance does not allow you to save money, it does provide insurance products with savings or investment functions.

Yes, the insurance is completely contractual! Look at the agreement in the contract! There are 5 years and 10 years.

Difference between insurance company and bank:1The fees are different, in addition to the basic management fee, there are also bid-ask spreads, conversion fees, etc.; If you buy it from an insurance company, you don't need to pay these fees, but there will be an additional policy management fee, but many products can refund this fee at present; 2.

If you lose nothing, your funds will be lost; The insurance company buys the ** product, is to give the insurance company back the ** corresponding unit to you, even if the ** loses, you only need to change your own unit to other**, you will not really lose money; 3.There is an entry threshold for banks to buy, and the threshold for insurance companies is much lower, and the products of insurance companies will be selected, and those bought are relatively good in the market; In particular, the investment scope of mainland banks is limited to the mainland, while Hong Kong's insurance companies are global investments to truly diversify risks. 4.

An insurance company's products always have a protection function.

Insurance is equivalent to saving money if you don't use it, and there is financial insurance, which has a universal account, which can be saved into it

Ping An Insurance can deposit money into it, and on the premise of not buying insurance, transfer some of your own money to this account, then it is equivalent to saving money, and it is also possible to put it here temporarily, such as financial management.

As an insurance company, Ping An Insurance can't save money, I'm talking about simple savings. However, if you don't have a simple deposit, you can still do it. For example, deposit insurance, that is, savings insurance.

It's similar to a deposit, but it's not in a bank. However, the interest will not be less than that of the bank.

You can buy insurance by saving money, but you can't get it at any time, Ping An itself is a quota for insurance, and its main purpose is financing, which is equivalent to saving money to send protection, or it is also equivalent to financial management.

You can deposit money in Ping An Bank, it may not be easy to withdraw money if you deposit money in insurance products, and it depends on the terms of the product, so it is best not to deposit it in the insurance product.

Yes, you are talking about saving money in **, and it is guaranteed!

There are 2 types, one kind of accident protection, and the monthly savings are 322 yuan.

1. Save money for 10 years and have 20 years of high accident protection, the contract is valid when it expires, and every penny saved is 112 years back. You can direct this money to your children's education, marriage or your own pension.

2. Large and small accidents in life and work lead to death or 1 10 grade disability in 8 categories and 281 items agreed in the contract, and the basic insurance amount is up to 100,000 yuan.

3. Riding a personal non-operating vehicle or public transportation, the risk of death or 1 10 level disability agreed in the contract 281 items in 8 categories, 100,000 to 200,000, double compensation.

4. A series of accidents in life and work lead to hospitalization, with a maximum of 150 yuan per day for hospitalization, which can be enjoyed for a total of 90 days a year and every year for 20 years.

5. There is compensation and return, and there is no limit to the number of times. During the 20-year insurance period, whether you lose 10 times, 8 times, or 108,000 yuan, the contract is valid, and 112% of the money you saved is taken home.

A sickness covered.

If you are sick, you will be protected from illness, and you will return the principal and pay interest if you are not sick.

1. Covers 45 kinds of critical illnesses, with a full range of coverage.

2. If you are diagnosed, you will be compensated, and you can take the money abroad or domestically**.

3. Return all premiums paid at maturity, providing 28% income.

4. The premium is low, 100,000 yuan for 35 years old, and the premium is 438 yuan per month. The payment period is 10 years, and the total investment is small.

5. Cover the most common stage of disease in life until the age of 80.