Life insurance which is interest 8 3

As a financial institution, insurance companies are different from banks in terms of bonus distribution; Banks generally give a relatively constant interest rate, while insurance companies use customers' funds to invest, distribute 70% of the income to customers as dividends, and 30% are reserved for company expenses, because investments are risky, so the specific dividends are not fixed and "predictable". A good company must have a good investment team, and the dividends will be relatively higher.

In order to attract more customers, insurance companies will take out a part of their own income into customer dividend distribution, for more customers, insurance companies will increase the proportion of dividend distribution, so as long as you choose a good insurance company, there will generally be good income.

Insurance dividends are generally divided into two types: floating dividends and fixed dividends, fixed dividends are generally called survival funds, which have been calculated when the insurance type is formulated, is unchanged. Floating dividends, as mentioned earlier, are not fixed.

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In the past 2 years, there is no dividends depending on the operating conditions, there is no fix, the higher the interest, the life insurance, the less the insurance function, and finally it will not play the role of insurance!

If you do the wealth management products of the insurance company, you might as well deposit them in the bank. Insurance is primarily a cover.

You're talking about participating insurance, which was born in response to inflation, so the interest on this product is not fixed, it depends on the social inflation rate and the profitability of the insurance company!

Summary. Hello, insurance, means that the annualized interest rate is, for example, the premium is 10,000 yuan, and the expected income is 350 yuan a year.

Hello, insurance, means that the annualized interest rate is, for example, the premium is 10,000 yuan, and the expected income is 350 yuan a year.

The pricing interest rate is actually the insurance company's estimation of its own investment ability, assuming that the insurance company expects its investment rate to be 4%, and then use this interest rate to price, the insurance company will charge 100 yuan per person, and after a year of investment, it will become 104 yuan to eliminate pure things, and just pay the money to the customer, which is an insurance with a pricing rate of 4%, and the yield is also 4%.

The insurance pricing interest rate is the insurance company's estimate of its investment rate of return.

Insurance refers to the commercial insurance behavior in which the policyholder pays the insurance premium to the insurer in accordance with the contract, and the insurer bears the responsibility of compensating for the property loss caused by the occurrence of the accident that may occur as agreed in the contract, or bears the responsibility of paying the insurance money when the insured dies, is disabled, sick, or reaches the age and time limit agreed in the contract.

After purchasing insurance, the policyholder may, in accordance with the contract, require the insurance company to be liable for compensation for the property damage caused by the occurrence of an accident that may occur as agreed in the contract, or to pay the insurance money when the insured dies, is disabled, sick or reaches the age and time limit agreed in the contract.

The role of insurance:

1. Financial integration.

The function of capital spike imitation financing refers to the re-investment of the idle part of the formed insurance funds into the process of social reproduction. In order to make the insurance operation stable, the insurer must ensure the appreciation and preservation of the insurance funds, which requires the insurer to use the insurance funds.

2. The function of social management.

Social management refers to the process of regulating and controlling the whole society and its various links. The purpose is to give full play to the functions of various systems, departments and links, so as to achieve harmonious social relations, benign operation and effective management of the whole society. <>

There is no interest in life insurance, and the concept of interest does not exist in insurance.

Insurance only has dividends. The dividends of insurance are uncertain, not only for Chinese Life, but also for domestic life insurance companies, which are determined according to the annual operating performance of the insurance company. The introduction of dividends by the insurance salesman is only a demonstration, does not have any legal effect, and is not included in the policy.

There will be no commitment about the level of dividends in the body of the policy, only one sentence "dividends are uncertain".

Therefore, if you buy a product, no one can achieve a 20-year income level. The level of income that the salesman said to you is just a demonstration, imaginary, not counting.

By the way, the payment period and the duration of insurance can be completely different. For example, if you save for 5 years, you will get it back with interest after 5 years. It is completely possible to set the payment period and the insurance period to different times, for example, the payment period is 5 years, but the insurance period is 10 years or more.

This is also a big difference between deposit and insurance.

Don't use the concept of deposit to understand insurance, these are two completely different investment products. Don't buy insurance for high yields, the essence of insurance is protection.

The insurance company's products are not called interest, it is dividends, dividends are uncertain, the salesman should explain the benefits to you at the time of purchase, that is, according to the previous rate of return to explain, you can continue to find the salesman, or call 95519 to understand.

It depends on what type of insurance you buy, dividends or life insurance. The policy has a hint on it.