What kind of insurance wealth management is suitable for me to buy for a life company?

If you want to maintain and increase your value, insurance is not a good investment variety; However, if you want to invest, you must first have a good risk protection for yourself; Therefore, a certain amount of insurance is required, but it does not have to be a wealth management type (the premium is high, and the budget is limited, it cannot be fully protected), and combined with some specialized investments, it will be more efficient than buying a wealth management type of insurance.

You should set up a term critical illness insurance policy for yourself with a certain sum insured. Don't consider financial products, in fact, having a guarantee is the first step in scientific financial management. What can help you, just say.

Insurance is not an impulse purchase, if you buy it, you have to pay for 20 years, and you can consider buying it when you are sure that it will not cause you stress, and the amount should be determined according to your income.

Good steel is used on the cutting edge, and the limited premium should be insured from the protection type of insurance first. Due to the lack of attention to protection insurance, many policyholders often buy high-value insurance, but do not get compensation for medical accidents. Insurance experts recommend that the correct order of insurance should be:

Accident insurance, medical insurance, critical illness insurance, pension insurance, investment insurance. Especially if you have a limited budget, you should at least take out accident insurance and medical insurance first.

198 yuan accident insurance can get more than 500,000 protection.

Accident insurance is the basis of insurance, and it is also the most cost-effective type of insurance, which can obtain hundreds of thousands of yuan in insurance for only a few hundred yuan a year.

In 2006, Mr. Zhang, 38, took out a combination insurance policy from Taiping Life, which included a comprehensive accident insurance with an insured amount of 300,000 yuan and an annual premium of 10,000 yuan. A few days ago, Mr. Zhang died in a car accident on the way back to Wuhan from a trip. After investigation and confirmation, Taiping Life Hubei Branch paid 300,000 yuan to Mr. Zhang's family.

It is understood that accident insurance is broadly divided into three categories. The first is to protect death or disability, such as personal accident insurance, public transportation accident insurance, travel accident insurance, comprehensive accident insurance, etc.; the second is accidental medical expense insurance, which pays for inpatient or outpatient expenses caused by accidents; The third is the accidental hospitalization subsidy, which subsidizes the number of days of accidental hospitalization. The latter two categories generally come in the form of riders.

Taiping Life Insurance reminds the public that different types of protection coverage are different, and policyholders should choose according to their own needs.

Chinese life wealth management insurance varieties include: 1. Participating insurance.

It means that the policyholder has the right to share the operating results of the insurance company, which is simply the annual operating results of the insurance company, and the policyholders of the participating insurance can get a certain percentage of the dividend distribution on this basis.

However, the distribution of dividends is uncertain, so policyholders also need to bear certain risks.

If the policy is surrendered, the surrender benefit also includes dividends.

2. Investment-linked insurance.

It is an insurance linked to insurance and investment, and multiple accounts such as income account, development account, and account are set up, and the investment portfolio of each account is different, the rate of return will be different, and the investment risk is naturally different.

It should be noted that investment-linked insurance does not promise a return on investment, simply put, the gains and losses are borne by the customer; 3. Annuity insurance.

It is usually composed of the main insurance annuity insurance + additional universal account, which is the mainstream financial insurance product of the current insurance company, such as China Life Xinyu Jinsheng and Xinyu Privilege are such products, the core of which is that the universal account can be transferred into, can be added, and can be partially received, enjoy a guaranteed interest rate, and accumulate with compound interest at the actual interest rate on a daily basis, with relatively high expected returns.

China Life Jin Xinzun (Deluxe Edition) Combination Plan.

Product Introduction: Innovative combination of dividend products and universal products, which integrates regular returns, agreed return of premiums, dividend distribution rights, return of income, and universal income, so that your wealth can be upgraded step by step.

Product features: strong alliance with a lot of benefits.

Four times of value-added double borrowing.

Flexible collection of various plans.

Universal lifelong wealth inheritance.

Fortune Stable Profit Protection Plan.

Product introduction: In order to meet the needs of customers for stable financial management and provide a full range of insurance protection, Chinese Life launched China Life Hongfu Stable Profit Annuity Insurance (dividend). The product is annuity type, with the characteristics of instant payment, annual care, longevity, lifelong care, etc., and can be attached to "China Life Additional Hongfu Term Life Insurance" and "China Life Additional Hongfu Accidental Death Term Life Insurance", which has a variety of protection functions such as accident and death, which is your wise choice!

Product features: Hongfu "Qitian-care every year, blessing and longevity are often accompanied.

"Stable Profit" Jinsheng - dividends to add color, happiness and Jinsheng.

Tips: What are the wealth management products of Chinese Life Insurance? The above focuses on introducing Chinese Life's insurance and wealth management products, namely China Life Jinxinzun (Deluxe Edition) Portfolio Plan and Hongfu Stable Profit Protection Plan.

In addition to these two products, Chinese Life also has China Life Jin Xinzun (Deluxe Edition) Combination Plan, China Life Jin Ruyi (Deluxe Edition) Combination Plan and so on.

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

1.National Hand Letter e Pension Insurance (Magnum).

5-year universal product with a minimum guaranteed interest rate of 2%; 120% fatalities and 200% accidental fatalities in passenger, driving or private car, protect your financial management and safe life.

2.eProtect Insurance Plan.

It is a new product after the marketization of Chinese life interest rates. It has the dual role of wealth planning and insurance protection. The policyholder can choose to enter the nursing annuity into the universal account to accumulate interest.

"Bond eGuarantee Insurance Plan" will wholeheartedly plan your beautiful life and make you and your family happy.

3.Double Happiness (Deluxe Edition) Combo Plan.

Red Insurance, Survival Insurance, Maturity Insurance, and Dividends can be entered into the universal account for free, realizing the strong combination of red insurance and universal insurance, and improving your wealth step by step.

4. Hongfu stable profit guarantee plan.

In order to meet the needs of customers for sound financial management and provide a full range of insurance protection, Chinese Life Guoshou Hongfu Wenying Annuity Insurance (participating type). This product is an annuity type, which has the characteristics of instant delivery, annual care, birthday celebration, and lifelong care. At the same time, it can be attached to "National Hand Additional Hongfu Term Life Insurance" and "National Hand Additional Hongfu Accidental Death Term Life Insurance".

It has multiple protection functions such as accident and death. It's your smart choice!

5.National Hand Worry-Free Product Portfolio.

It integrates multiple benefits such as survival payment, advance payment of critical illness and death benefits, accidental death of vehicles, and major accidents, so that you can enjoy peace and happiness.

Extended Materials. Chinese Life Insurance Co. (China Life Insurance Co， ltd.

Founded on October 20, 1949, it is the largest commercial insurance group in China, listed in New York, China A-share and Hong Kong, China. It is an important institutional investor in China's capital market. The business scope covers life insurance, asset management, industrial investment, overseas business and other fields.

On October 28, 2021, Chinese Life announced that the company achieved a net profit of 100 million yuan in the third quarter of 2021, a year-on-year decrease; In the first three quarters of 2021, it achieved a net profit of 100 million yuan, a year-on-year increase of 3%.

This is a very specific question, you can go to the Chinese Life Insurance out of the hall for consultation, according to your actual situation, choose the appropriate financial products.

Hello, the insurance and wealth management products provided by Chinese Life are approved by the China Banking and Insurance Regulatory Commission**, which is safe from this level; In addition, the role of time-honored insurance companies in the market of Chinese Life China cannot be ignored, so the wealth management products they provide are relatively safe. But because it is a financial product, it is risky and cannot make 100% money, but some really small risks can still be 100% profitable, but the money is relatively small.

Wealth management insurance is a new type of insurance with different classifications that have emerged in the domestic insurance market in recent years, all of which have the dual functions of insurance protection and investment and financial management. At present, there are three main types of financial insurance in the market: 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.

1. Participating insurance. Participating insurance refers to a new life insurance product in which the insurance company distributes a certain proportion of its actual operating results to policyholders compared to the surplus of the pricing assumption. The main function of participating insurance is still insurance, and dividend distribution is a subsidiary function of participating insurance.

The dividends of participating insurance** are in three aspects: dead interest rate spread, interest rate spread and fee spread. Dividend income is uncertain, linked to the actual operating results of the insurance company, and there is no upper limit, but there may be no dividend distribution. There are also customers who buy the product for their children in order to reasonably avoid the inheritance tax that may be levied in the future.

2. 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.

3. Universal insurance is a powerful weapon to resist 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 premium paid by the policyholder is divided into two parts:

One part is used for insurance protection, and the other part is used for savings investment.

The above is an analysis of the classification of financial insurance and related types of insurance, I hope it can be helpful to friends who want to participate in financial insurance.

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

In the face of growing inflation, there are concerns that the money in hand will soon become worthless. Buying insurance may be a wise choice. When using insurance products for investment and financial management, investors must be prudent in combination with their own needs and economic conditions, and comprehensively consider the balance between protection and returns.

As the insurance and wealth management market gradually improves, the following issues need to be paid attention to in investment and wealth management insurance:

1. Insurance and financial management do what you can and reasonably arrange the investment ratio. Before choosing insurance and wealth management, investors should conduct an overall evaluation of their monetary assets and various financial products to avoid two extreme situations: one is to ignore the protection function of insurance and choose not to insure, which is difficult to effectively avoid unknown risks; The other is repeated insurance and excessive premium spending, which will cause excessive pressure on family spending.

According to the changes in the life and financial situation of individuals and families, the type of insurance and the amount of insurance coverage are adjusted regularly so that they can truly meet the needs of risk transfer.

2. Adhere to the correct investment philosophy and choose insurance and wealth management products that are suitable for you. Insurance early dust stool financial management should adhere to the correct investment philosophy, that is, "protection first."

First, the second income". When choosing insurance and wealth management products, the focus is on the protection function of insurance, and whether it is worth investing according to the standards of safety, profitability and liquidity. Finally, choose your insurance company carefully.

The choice of insurance company can combine the following factors: First, the type of company, the insurance company with different business scopes will provide different protection and professionalism. The second is the business situation, which generally should be based on the assessment results of the insurance company by the insurance regulatory department or an authoritative rating agency to understand the solvency of the insurance company.

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