Is it reliable to invest in financial insurance, and is it reliable to invest in financial managemen

Investment wealth insurance is an emerging insurance product in the international life insurance market, and compared with traditional life insurance products, the biggest feature of investment wealth insurance products is that they have both protection and investment and wealth management functions. Investment wealth management insurance has a fixed protection as insurance protection, but it does not have a fixed predetermined interest rate, and the customer's investment income is uncertain, which may not only obtain a high return on investment, but also need to bear certain risks.

There are three main types of investment and wealth management insurance: specifically participating insurance, universal insurance and investment-linked insurance. Strictly speaking, participating insurance and universal insurance belong to wealth management products, and investment-linked insurance belongs to investment products.

Universal insurance and investment-linked insurance actually mean that the funds invested by the policyholder are allocated to the protection account and investment account. Although the protection accounts of these two types of insurance are not affected by investment performance, because universal insurance promises a guaranteed return, insurance companies will inevitably pay more attention to "safety" in the allocation of investment channels in capital operation. Due to the limited scope of investment in the market, the actual dividend income of participating insurance is not high, so customers in the market choose this product mainly to pay on time, through "compulsory savings" for future needs, and some customers buy this product for their children in order to reasonably avoid the inheritance tax that may be levied in the future.

Investment-linked insurance, referred to as "investment-linked insurance", is a type of insurance that integrates insurance protection and investment functions. In addition to life insurance, the investment unit** of an ILAS policy is determined based on the investment performance of the investment account at that time. Investment-linked insurance has high risk and high return, far exceeding universal insurance and participating insurance and some ** products in the market.

Universal insurance is a powerful weapon against interest rate fluctuations. Universal insurance refers to life insurance that allows you to arbitrarily pay premiums and adjust the amount of death insurance benefits. The premiums paid by the policyholder are divided into two parts: one part is used for insurance protection, and the other part is used for savings and investment.

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

To put it simply, it is a life insurance with a certain investment function and insurance protection.

The investment function of insurance is more conservative than other financial products (**, **, **, etc.), and the period is relatively long, which is generally low risk, low return, and long investment cycle.

The most important function of insurance is risk protection, and it would be biased to leave the protection and only focus on investment returns.

A single investment will have certain risks.

However, a combination of investment and financial management, such as **, can reduce a lot of risks.

There's a famous saying in investing: don't put all your eggs in one basket.

This shows that the rational approach to financial management is not extreme and unique, but synergistic.

After all, in a given economic environment, one wealth management product will be favored because of its high yield, while the other will be controversial.

The solution to the compromise is portfolio management.

Investment is risky, you must be cautious when entering the market, choose a financial product that suits you, and you will have to bear as much risk as you want to return.

Do we need to allocate insurance for investment and financial management?

Whether insurance and wealth management are reliable: As a kind of financial tool, insurance and wealth management are characterized by security (compared with other financial products). Each financial instrument has its own characteristics and role.

However, if you ask whether it is reliable or not, you need to look at these four words separately. When it comes to insurance, safety comes first. The projects invested by insurance companies are generally relatively stable and mature projects, such as the C round or D round, so everyone generally does not question the safety of insurance products, and it can be said that most insurance and wealth management products are capital guaranteed.

When it comes to financial management, income and security are equally important. The dividend income of wealth management products is usually similar to that of currency**, or even lower. Unless there is an accident with your assets, the insurance company will pay for it, but this is also a small probability event.

It should be noted that insurance is not the same as depository, it also has a certain risk, so be sure to keep your eyes open. And everyone has their own financial preferences, even if many financial products are more reliable, but what suits you is the most important, don't do it blindly. As for whether to put all your eggs in one basket, it still depends on your personal risk-taking ability.

Legal basisArticle 95 of the Insurance Law of the People's Republic of China The business scope of insurance companies:

1) Life insurance business, including life insurance, health insurance, accident insurance and other insurance business; (2) Property insurance business, including property loss insurance, liability insurance, credit insurance, guarantee insurance and other insurance business;

3) Other insurance-related businesses approved by the insurance regulatory authority. Insurers shall not concurrently engage in life insurance business and property insurance business. However, insurance companies that operate property insurance business can operate short-term health insurance business and accident insurance business with the approval of the insurance regulatory authority.

Insurance companies shall engage in insurance business activities within the scope of business approved by the insurance regulatory authority in accordance with the law.

Summary. Hello, insurance is not financial management, insurance is not a financial product.

Hello, insurance is not financial management, insurance is not a financial product.

However, some insurance has a financial management function, but in a strict sense, insurance is not a financial product, but only has a financial management function.

That's right, yesterday I went to the bank to handle a deposit for five years, but I don't know whether I am handling a deposit business with guaranteed principal and interest or buying wealth management.

For example, the annuity insurance purchased from the bank, although it is insurance, it has a certain financial management function.

This is to buy insurance, pay 10,000, 20,000, 30,000, 50,000 a year. The payment period is three or five years. In the sixth year, you can get back all the principal and interest.

Does buying insurance mean that I have applied for a wealth management product?

This kind of insurance has a financial management function, mainly because his interest rate is higher than the interest rate of bank fixed deposits, but when buying this insurance, you need to consider family income, and you can't break the insurance during the period, especially in the first three years, if it's a sprint, then it's easy to lose money, because of the purchase of this insurance, he has an initial cost, and the interest in the first three years can offset the initial cost, and there will be income after three years, so if it is signed for three years, then it is easy to lose money. So if you don't want to buy this kind of insurance, then you can surrender the policy now, and you can return the entire principal, but you will be charged a cost of 10 yuan. This insurance has a 15-day hesitation period, as long as it is surrendered within 15 days, only 10 yuan will be deducted.

It can be said that what he told me yesterday was that the interest for the first five years was the same, and I did it all at once, and I did not deposit it several times.

Yes, it's all the same. After the processing is completed, what documents he gives you are not a deposit policy.

And then the interest is.

This is insurance, and only the interest rate of insurance can reach this amount, and the interest rate of fixed deposits cannot reach this amount.

I didn't give me anything, I took my card and ID card and left, is there any other risk?

There is no risk, but if the policy is surrendered or broken in the first three years, it is easy to lose money.

So now, if you don't want to buy this insurance, then you can go to the surrender policy and only deduct the cost of ten yuan. However, the protection of this insurance is relatively lacking, only covering death or total disability, and other benefits are not provided. If you don't surrender the insurance, then don't break the insurance in the middle, once the insurance is broken, it is equivalent to surrendering the insurance, especially in the first three years.

Insurance and wealth management usually refer to the purchase of financial insurance products, financial insurance is a kind of commercial insurance, and the current financial insurance in the market includes participating insurance, investment-linked insurance, and universal life insurance. For different types of insurance, its risk is also different. In fact, participating insurance is the most popular choice, and its income is mainly based on the operating results of the insurance company, so when choosing participating insurance, the choice of the insurance company is also very important.

Wealth management is not a product that guarantees principal and returns, and there is a possibility of principal loss, and the loss shall be borne by the investor. Therefore, when buying financial insurance, you must master the skills. The first thing to buy financial insurance is to consider your own financial situation and what kind of consequences you can bear the most; In fact, it is to consider what kind of product to choose; A good financial product can bring us greater returns, and finally it is the choice of the insurance company.

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We can buy insurance to manage our finances, which can often preserve and increase the value of our assets to a certain extent. I have compiled a list of high-yield financial insurance before, you can refer to it: Top 10 Financial Insurance Rankings Want to buy high-yield financial insurance?

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Financial insurance is generally divided into universal insurance, participating insurance, and investment-linked insurance, among which universal insurance will have a guaranteed interest rate, but the income above the guaranteed interest rate is uncertain, and participating insurance often needs to be determined according to the actual operating conditions of the insurance company to determine the specific dividend plan. The risk of investment-linked insurance is relatively large, and the return is often not guaranteed.

Of course, in addition to the above three types of financial insurance, in fact, such as annuity insurance and increased whole life insurance, can also be financed, in which the time and amount of annuity insurance are fixed, which can provide us with stable cash flow.

The sum assured of incremental whole life insurance tends to increase at a fixed interest rate from the second policy year, and the cash value grows at a relatively fast rate, and the income is also very stable.

However, it should be noted that before you buy wealth management insurance, it is best to configure a complete protection insurance, such as critical illness insurance, medical insurance, accident insurance, etc., so that it is the correct insurance allocation idea.

How about insurance and wealth management products? Should I invest? With the increasing awareness of risk and financial management, many people like to buy insurance-based wealth management products. So, are insurance and wealth management products good? Next, I will introduce it to you.

What are insurance and wealth management products?

Insurance wealth management products, also known as investment insurance. It was first born in the Netherlands because policyholders wanted to invest their own life insurance policies to generate expected annualized returns. In other words, the insurance company will invest part of the insurance money, give a certain dividend to the policyholder every year, and return the insurance money after the expiration of the insurance period.

To put it simply, it is to achieve the purpose of risk management and investment for individuals (families) by purchasing relevant insurance products. Some of these insurances only have risk management and protection functions, while some insurance has certain investment and savings functions in addition to protection functions. But in general, the main role of insurance is risk management and protection.

Advantages and disadvantages of insurance and wealth management products

Advantages: The product design itself has the function of insurance, and at the same time, it can also invest in financial management and create expected annualized expected returns. In addition, compared with the familiar bank wealth management products, it also has the characteristics of low investment threshold and no fundraising period.

General wealth management insurance can be purchased at a minimum of 1,000 yuan, and it can take effect the next day. With the development of the Internet, insurance companies not only sell their own insurance and investment products, but also cooperate with Internet financial platforms to provide consumers with safe, high-expected annualized expected returns and easy-to-operate financial services.

Disadvantages: The product has a long and single investment period and poor liquidity. The term of insurance and wealth management products is very long, the short one or two years, the long five years and ten years, the expected annualized expected return of investment is difficult to see in the short term, and the ability to realize funds is weak, it is difficult to meet the needs of investors who need to use funds flexibly.

The quota is limited, and the general insurance and wealth management products are limited in terms of fundraising.