Do you all believe in financial insurance?Is there really any need to buy financial insurance?

Insurance is a part of financial management, all products have the nature of financial management, the so-called: you don't manage money, money doesn't care about you, money is sorted out, there is no harm in buying some insurance appropriately, transfer risk,

Hehe, of course I believe it, to be honest, I myself have also purchased, as a financial planner, tell you that you can believe it, but you should choose the product according to your actual situation, and take out 15%-20% of your annual income to buy insurance, don't invest more.

Wealth management insurance is a very popular financial product now, which is much higher than the bank's interest rate, and it can be chosen!

The original intention of insurance is protection, and the insurance company is also a financing institution, but the income it promises is guaranteed and the risk is low So it is very good to achieve the purpose of asset preservation and lower inflation through financial insurance But if it is for pure profit, it is recommended to invest **and**, again, the risk will be much higher As a financial planner, I can tell you, but any investment involves 3 factors, risk, return, liquidity **and** is high return, high risk, high liquidity Banks are low returns, low risks, and liquidity can be large or small Financial insurance is an investment method with medium returns, low risks, and low liquidity.

The financial income type is uncertain, and the guarantee is certain

Believe, I'll save it. Peaceful.

Financial insurance has the function of financial management and protection, and many people are interested in buying it, but it is not necessary for ordinary people to buy financial insurance, unless there is sufficient health protection, high income and stable people can consider buying.

Based on the situation in the market, the more popular financial insurance products are the following: annuity insurance, universal life insurance, participating life insurance, education funds, increased life insurance, investment-linked insurance, etc. There is a certain complexity in this type of insurance, but it is very easy to make a mistake when you know the purpose of buying insurance in advance, such as whether you want to buy a protection or want to use it for investment.

The current financial insurance is generally composed of universal insurance and participating insurance, and they can also be regarded as two accounts, and the specific relationship is as follows:

Through this diagram, we can clearly see the flow of wealth management funds. Buying wealth management insurance to make investments is often because wealth management insurance has these advantages:

1.Guaranteed. Buying wealth management insurance to make investments is often because wealth management insurance has these advantages, and wealth management insurance is a good choice in terms of diversifying investment risks.

2.Forced savings. Buying a wealth insurance such as pension insurance, education fund, etc., is a savings and an income.

3.Achieve wealth inheritance. Wealth management insurance can achieve wealth preservation and appreciation, and finally transfer the hidden wealth to the designated beneficiary.

The advantages of financial insurance have been mentioned, and the disadvantages have to be mentioned, mainly the following points:

1.Low yields. Risk and return are generally proportional, the low risk of financial insurance can only obtain low returns, according to the current market situation, 2% 4% is the average income level of financial insurance.

2.Low asset flexibility. Often we hear it"Withdraw or surrender the policy at any time"Such financial insurance advertising slogans are flashy, and if you do so, you will lose a lot of money.

After talking about the advantages and disadvantages, you can judge whether to buy financial insurance based on your actual situation

The above is my simple list of financial insurance-related content, and which one is the most recognized in financial insurance? According to the current situation, it is annuity insurance. How are the popular products of annuity insurance, I did an evaluation:

"Top 10 Annuity Insurance Points Worth Buying! 》

In the end, the senior sister said that more than 90% of ordinary families are not suitable for buying financial insurance, unless the family members have received basic protection, how to complete the protection of family members, refer to this article to have the answer:"3 sets of plans, complete with a family's insurance".

The order of purchasing financial insurance is generally after this.

[Written at the end].

I am [Xueba Says Insurance], focusing on objective, professional and neutral insurance evaluation;

I will give you the most professional advice with years of experience in configuring insurance for 10w+ families.

Hello! Financial insurance is not suitable for everyone to buy, whether it is necessary to buy depends on personal needs.

If you don't know if you can buy it, you can click to make an appointment for a 1-to-1 insurance planning service.

Deep Blue Insurance Concentrate on insurance brokers will provide you with professional advice on repatriation.

If you meet the following conditions, you can consider financial insurance:

1) The whole family protection product has been allocated sufficiently, 2) there are other high-yield investment channels (real estate, **, **, foreign exchange, etc.);

3) There is an idle fund, and it is expected to obtain a safe, stable and definite income through annuity insurance.

The financial insurance that can be bought includes annuity insurance, universal insurance, increased whole life insurance, and investment-linked insurance.

If you want to do education and pension: you can choose annuity insurance, and you can return the money in a predetermined year.

If you just want to manage your money with spare money: universal insurance is recommended, the current income of 4-6% is already very good, and you can withdraw funds at any time by missing the file and stupidity.

If you want to leave a sum of money for your children: it is recommended to increase the amount of whole life insurance, and the wealth will be automatically passed on to the beneficiary after returning to old age in 100 years; If you need money urgently, you can also withdraw it in advance.

If you pursue high returns: investment-linked insurance is similar to "investment", you can get high returns when it is good, but you may also lose money.

In short, as for whether to buy financial insurance, we still have to consider carefully. If you only pursue capital preservation and don't mind low yields, there is nothing wrong with buying it. If you buy wealth management insurance for protection, it is better to buy critical illness and accident directly.

For us ordinary people, it is still recommended to first complete the protection insurance, and then consider financial insurance.

In fact, it mainly depends on the way you allocate your assets, if you have extra spare money, you can allocate it appropriately, but the role of insurance is mainly protection.

As a source of people who have worked in an insurance company, I can tell you that there is no need to buy Liang Shu in financial insurance, you can use other financial management methods, for example, bank capital protection or regular investment in financial management, you can get higher returns than financial insurance, and receive more flexibility.

First of all, as long as the wealth management insurance is a product launched by a formal insurance company, it is generally filed with the China Banking and Insurance Regulatory Commission and is formal and reliable. At present, most of the common wealth management insurance refers to universal insurance, participating insurance and investment-linked insurance. However, there is a certain risk in financial insurance, and the income of these insurances is unstable.

For example, in universal insurance, the insurance company only guarantees the minimum interest rate, and the part that exceeds the minimum guaranteed interest rate is uncertain. At present, most of the universal insurance in the market has a minimum guaranteed interest rate in between, and it is relatively good to reach 3%. However, it should be noted that not all the funds invested in the universal account go into the account, and the initial expenses, guarantee costs, etc. need to be deducted, and the actual interest rate is related to the settlement interest rate, so the income is not stable.

If you need to know more about universal insurance, you can read this article:How much money can I make by buying universal insurance? Don't be sold, it's a happy ......

If you want insurance with a stable income, you can consider annuity insurance and increased whole life insurance.

Annuity insurance, mainly to provide annuity protection and death protection, after reaching the agreed time, you can receive a sum of money on a regular basis until the expiration or death. For example, Guangming Huixuan pension insurance, the payment period of this product is flexible, the protection period can be guaranteed until 20 or for life, the minimum age of pension is 55 years old for women, 60 years old for men, you can choose annual or monthly payment, you can also attach a universal account, the minimum guaranteed interest rate is 3%, which is very good, interested partners can take a look:Does Guangming Huixuan Pension have high returns?

The answer lies in the text.

Incremental whole life insurance protects the death of the insured, and the protection period is lifelong, no matter when the insured dies, you can leave a fortune for your family. The premium is high, which is suitable for people with considerable income and want to inherit assets. When buying incremental whole life insurance, we should pay attention to the internal rate of return.

Internal rate of return is the rate of return that an investment aspires to achieve, and generally the larger the better. The internal rate of return of increased whole life insurance is relatively excellent and approachable. For those who want to buy increased whole life insurance, you can take a look at this list compiled by the senior sister:

Freshly baked! Don't miss out on the top 5 high-yield incremental whole life insurance! Hope.

Wealth management insurance integrates protection and financial management. Consumers who have taken out financial insurance can also carry out certain health and safety protection for themselves, while other financial management tools do not have this function.

Wealth management insurance also has strong security, because most of the insurance and wealth management products will not have a particularly high interest rateThe risk is relatively low, and the focus is on stable development. And if people have taken out financial insurance, when their businesses go bankrupt, other **, deposits, etc. will be frozen. The only thing that remains unchanged is the insurance policy, when you are penniless, there is an insurance policy that can provide protection for yourself and not let yourself be called for debts.

In addition to that,Buying financial insurance is also a way to greatly improve your creditworthiness. Therefore, many banks will require property insurance when lending to individuals and enterprises, and these people who have purchased financial insurance will greatly improve their personal credit. So, by all accounts,Financial insurance is very reliable.

1. Dividend-sharing type. Dividend-paying financial insurance is a relatively common type of insurance, and dividend distribution is one of its characteristics. And because the interest rate of participating insurance is mostly relatively low, its security and stability are also relatively stable, and it is also relatively moderateIt is more suitable for some low-income people who want to invest but have a weak ability to take risks.

2. Universal type. It can be divided into two parts, one part is for protection, and the other part is for investment and financial management. It is one of the most important solutions to resist interest rate fluctuations, and it is also based on stability and security.

This type of insurance is very common in the market, and due to its high applicability, it is cheapIt is more suitable for those who want to improve their own protection and have financial needs.

2. Universal type. It can be divided into two parts, one part is for protection, and the other part is for investment and financial management. It is one of the most important solutions to resist interest rate fluctuations, and it is also based on stability and security.

This type of insurance is very common in the market, and due to its high applicability, it is cheapIt is more suitable for those who want to improve their own protection and have financial needs.

3. Investment-linked type. Compared with the first two, this type of insurance is relatively much more risky. Because it is mainly determined by the investment performance of the investment account, high risk also means that the return fluctuates greatly, so it is more suitable for those who have solid economic strength and high investment and financial goalsIf you do not have enough financial strength to bear the subsequent risk loss, it is recommended that people who do not have a certain financial ability do not try it easily.

The above three types of financial insurance have their own advantages, and everyone mainly aims to suit themselves when purchasing, and the one that suits them is the best.

There are risks in financial management, and you need to be cautious in investment!

To invest in a wealth management product, it depends on whether the company is reliable and whether the potato products are in line with the investment logic. Count the years.

Make a decision after considering the returns, risk and liquidity!