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Anonymous users2024-02-11The concept of universal insurance was first introduced from abroad, which refers to life insurance that can arbitrarily pay insurance premiums and adjust the amount of death insurance benefits. In other words, the policyholder can pay any amount of premium at any time except after paying a certain minimum amount of the first premium, and increase or decrease the amount of the death benefit at will, as long as the accumulated cash value of the policy is sufficient to cover the costs and expenses of subsequent instalments. Moreover, the calculation of the cash value of universal insurance has a minimum guaranteed interest rate, which guarantees the lowest rate of return.
The "universality" of universal insurance lies in the fact that after applying for insurance, the sum insured, premium and payment period can be adjusted according to the protection needs and financial status at different stages of life, so as to determine the optimal ratio of protection and investment, so that the limited funds can play the greatest role. Universal insurance is a kind of investment-type life insurance that coexists with risk and protection, and is between participating insurance and investment-linked insurance. The premium paid is divided into two parts, one for insurance coverage and the other for investment accounts.
The initiative to set the guarantee and investment quota lies with the policyholder, which can be adjusted according to different needs; The account funds are invested and managed by the insurance company on behalf of the company, and there is no upper limit on the investment benefits, and there is a minimum guaranteed interest rate. Life insurance experts analyze that under the simple comparison of numbers, universal life insurance seems to be an excellent way to manage money, but in fact, it also has some risks or noteworthiness, "many times, marketers will make a simple comparison of numbers, especially according to the medium or high yield calculation of the final return, this number is very impressive." Investors who get lost in the superficial numbers without digging deep will buy a lot of universal life insurance."
In many people's impressions, the actual rate of return of universal life insurance is for all the premiums paid, such as paying 10,000 yuan in premiums, the rate of return will be 320 yuan. "Actually, the real rate of return is for the funds that go into the personal investment account, and from the perspective of the overall funds, the rate of return is not so high, and it cannot be directly compared with the bank interest rate. The expert analyzed.
There are risks associated with both protection and investment, and taking out universal life insurance does not mean that you can rest easy. Universal life insurance is risky in terms of both protection and investment and should be noted. In terms of final payment, universal life insurance takes the form of maturity payment or annuity, similar to pension.
Once the insured needs to surrender the policy halfway, like other insurance products, he can only get the cash value, especially if he surrenders the policy in the first four or five years, he can't even get back the total premium, after all, the financial management function of universal life insurance is reflected in the long-term. Since universal life insurance has the advantage of flexible payment, and now the interest rate level is in a low state, for the fixed low rate of return, you can take the way of suspending additional premiums, and when the interest rate rises, stop paying or chasing premiums, and give yourself a buffer period. In addition, there are many varieties of universal life insurance in the market, and the difference is relatively large, although many insurance companies claim that the cost of universal life insurance is transparent, but they are secretive about the terms of universal life insurance, and are unwilling to announce it on the first day.
Therefore, investors can have a good idea of some terms before buying, and don't just listen to one side.
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Anonymous users2024-02-10Whether it is the universal insurance of Ping An Insurance Company or the universal insurance of other insurance companies, they all have some commonalities of universal insurance.
Universal insurance is actually an insurance product that can not only provide protection, but also have a universal account to achieve secondary appreciation of funds, which has a certain financial nature.
If you want to buy universal insurance, it is recommended to look first: use universal insurance to manage money, the income is stable and safe? Doxxing universal insurance!
First of all, although universal insurance is a financial insurance, universal insurance actually only has a guaranteed interest rate and part of the income is determined.
The so-called guaranteed interest rate is the minimum yield interest rate promised by the insurance company, which can be determined at the time of insurance.
The settlement interest rate is closely related to the operation of the insurance company, and the specific settlement interest rate published by the insurance company on the official website shall prevail, which is uncertain.
The guaranteed interest rate of Ping An Life's universal insurance is mostly the same, while the guaranteed interest rate of universal insurance on the market is generally in.
Therefore, the guaranteed interest rate of Ping An Life's universal insurance is still relatively low.
If you value income, you can also look at other financial insurance: participating insurance, universal insurance, increased whole life insurance, what is the difference between these financial insurance? Which one is the best deal?
Secondly, the universal account of universal insurance may deduct the corresponding expenses when investing or withdrawing money.
When investing money, it is usually necessary to deduct the initial fee first, and the remaining part will enter the universal account for secondary value-added.
Generally, in 1-5 policy years, if you want to receive a partial claim, there will be a handling fee for partial collection.
Therefore, the actual benefits of universal insurance are not as good as everyone thinks.
If you want to know how much money you can make with universal insurance, you can see: How much money can you make by buying universal insurance? Don't be sold, be happy.
Landlord: Hello!
I am also a financial advisor of Ping An, and I am in Shenzhen! >>>More
Ping An does have this type of insurance and business. Universal insurance is a relatively difficult type of insurance to understand, and the main principle is to withdraw the cash value of the policy as an emergency benefit. However, please be cautious about universal insurance, investment-linked insurance, and other types of insurance that use the capital market as the main investment channel, as these types of insurance do not have the concept of guaranteed investment and may lose money due to market downturn. >>>More
Hello! The value that insurance brings to our customers is long-term protection and income, and short-term return on capital and income can be solved by banks and treasury bonds. We can't try to solve all our problems through insurance! >>>More
You can return, the return is the cash value of the policy, when the cash value is high, withdraw, after the withdrawal, the original protection will be gone, and then want to buy the age is much older than when I bought it before, the premium will become correspondingly higher, so the surrender is not cost-effective, try not to return, urgent money can be policy loans, feel that the protection is not suitable can be increased protection.
Universal insurance payment is very flexible, it is generally recommended to pay for more than 10 years, as for the follow-up payment, it is up to the customer to decide. Because universal insurance is a lifetime insurance, the cost of coverage is deducted every year, and the older you are, the higher the cost of coverage. If you are too old now, it is recommended to call Ping An customer service **95511 to check the cash value in the policy, as long as the cash value is enough to pay the next year's protection cost, the insurance contract will continue to be valid, if the cash value is insufficient, the insurance contract will be terminated.