What is the difference between business insurance and keeping your premiums in the bank

First of all, commercial insurance is also insurance, and the protection function is the inherent function of its essence;

Second, the commercial insurance you mentioned such as premium deposit bank reflects your financial management concept, but this concept is not very clear.

We all know the truth of not putting all your eggs in one basket, as a financial manager in the new era, it is appropriate to divide your money into multiple investment orientations, such as: deposits, bonds, insurance, lottery, etc.

Therefore, comparing commercial insurance with bank deposits, it can be said that the public says that the public is reasonable, and the mother says that the mother is reasonable. However, if you are interested, you can take out some of it to buy commercial insurance to add a little more income while protecting. However, it is recommended that the ratio is 60% of your income, 20-30 for insurance, and about 10 for others, so that it is more appropriate

In fact, there are many companies' dividend insurance like this, which is about the same as the regular interest of the deposit bank, and may not even be as much as the deposit bank, but it has an additional protection responsibility, so some people will buy it, so they are unlucky to meet a shrewd person like you, hehe. Have time to learn about our products, and we guarantee that it will be different.

Xinhua Haidian - Life Insurance Iron Army.

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Business Insurance. The differences with savings are as follows.

1. Different consumers: the age and health conditions of the insurance consumers must meet the underwriting conditions of the insurer, and some people may be denied insurance or conditionally underwritten after underwriting; Savings consumers can be any entity or individual, and there are generally no special conditions.

2. Different technical requirements: most of the units and individuals facing homogeneous risks in the insurance collection share the losses of a small number of units and individuals, which requires special apportionment calculation technology; Savings, on the other hand, always use the principal plus interest formula, without the need for special amortization calculation techniques.

3. The benefit period is different: the insurance contract stipulates the benefit period, as long as the insurance contract is valid, no matter when the insured accident occurs, the insured can be in the predetermined insurance amount.

The amount of insurance compensation may be several times, dozens or even hundreds of times the insurance premium paid; Savings, on the other hand, take the return of principal and interest as the benefit period, and only after a certain period of time can the depositor get the expected benefits, that is, the principal and interest of the deposit.

4. The insurance established by the insurance with the premiums paid by all the policyholders is a kind of mutual assistance to compensate a small number of insured persons who have suffered losses; Saving, on the other hand, is an act of self-help in which an individual sets aside a portion of his or her assets to prepare for future needs without asking for help from others.

5. Different purposes of consumption: the main purpose of insurance consumption is to cope with the economic losses caused by various risk accidents; And the main purpose of saving is to earn interest income.

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Money to save, BAI insurance to buy. It is better to compare the column according to du. In general, this is possible.

DAO arranges bank current account additions.

The total cost of buying insurance for a year does not add up to one-third of your annual income. Of course, buying insurance also fulfills the purpose for which you purchased this insurance. For example, if I want to buy critical illness insurance, then according to the current medical expenses, at the time of the insurance.

Generally, most of the costs are more than 10w, so when I buy this insurance, how much is my insurance rate? Let's take an example, I earn 3w a year. After deducting daily expenses, you can probably leave it, so according to what I said above, 1 3 ratio 2000 survival period, 2000 to buy insurance.

Under normal circumstances, the premium of 2,000 yuan a year is paid in 20 years (critical illness insurance). His insurance amount is about 7w yuan. In this way, I only need to take out about 3w yuan to pay for the ** cost.

In addition to an inpatient Medicaid of $100 per year. In this way, even if there is an accident, then according to the current income, it will not be your own family life back to the 80s. Now about the banks.

It is necessary and necessary to keep money in the bank, and the first thing to keep in the bank is that it has good liquidity. Money is available at any time. But you save as much as you want.

When inflation is strong, your assets are still shrinking. The deposit bank is obviously not cost-effective again. When inflation is low, interest rates are low, and saving for a year is the only way to get a little money.

At this time, you can consider buying some short-term dividend insurance or other investment methods to alleviate the pressure on prices.

Is it risky for banks or insurance companies?

No, this question is no.

Come and see what others say so much, as long as you trust, it's the best.

In fact, if it is in my point of view, it is better to exist directly in the insurance company, if it is stored in the bancassurance, you will have as many years of protection as you save, but directly in the insurance company, it can give you a lifetime of protection, and the dividends and interest rates will not be lower than the dividends and interest given by the bank!

Insurance is to use interest to buy protection, but the money from the insurance company cannot be taken out casually.

Insurance and bank deposits are the two types of products that are most likely to be confused, many insurance and financial management under the slogan of education funds, pensions, and claimed to be higher than bank deposits to obtain a large number of customers, most of whom think that they buy financial products, in fact, it is only an insurance, let's understand, what is the difference between this kind of insurance and bank financial management?

The objects are different. Insurance consumers must meet the insurer's contracting conditions, after underwriting may have some people refused insurance or conditional underwriting, of course, if it is just a simple annuity insurance, there is no special restriction without protection function, and the consumer who saves can be any unit or individual, generally without special restrictions.

The duration of the benefit is different.

Insurance by the insurance contract stipulates the benefit period, as long as the insurance contract is valid, no matter when the insured accident occurs, the insured can be paid within the predetermined insurance amount, the amount may be several times the insurance premium paid, dozens of times or even hundreds of times, savings is to return the principal and interest as the benefit period, only to reach a certain period, the depositor can get the expected benefits.

The nature is different. Insurance with all the insurance premiums paid by the policyholder to establish the insurance ** to a small number of insureds who have suffered losses to provide compensation or payment, is a kind of mutual aid behavior, savings is an individual set aside part of the property to prepare, in order to meet future needs, do not need to ask for help from others, is a self-help behavior.

The purpose is different. The main purpose of insurance consumption is to cope with the economic losses caused by various risk accidents, and the main purpose of saving is to obtain interest income.

The exit mechanism is different.

If the insurance is surrendered in the middle of the policy, the handling fee needs to be deducted before two years, and the cash value will be refunded after two years, whether the insurance is refunded after deducting the handling fee or the cash value is refunded, which is generally less than the insurance premium paid by the policyholder and cannot be refunded in full.

If the savings are withdrawn halfway, they can get the principal and a small amount of current interest, and the principal will not be damaged.

Summary. The deposit insurance system is a kind of financial security system, which refers to the establishment of an insurance institution by the collection of various types of depository financial institutions that meet the requirements, and each depository institution as the policyholder pays insurance premiums to it according to a certain proportion of deposits, establishes deposit insurance reserves, and provides financial assistance to the member institutions or directly pays part or all of the deposits to the depositors when the member institutions have a business crisis or face bankruptcy and bankruptcy, so as to protect the interests of depositors, maintain bank credit and stabilize the financial order.

Hello, I am the co-teacher of Ask the Question, I am good at insurance analysis and planning, and I have been engaged in the insurance industry for 7 years now, and I am happy to serve you. [Insurance information inquiry is very time-consuming, after ten minutes your questions are very serious, please be patient and wait for ......Hunger.

Yes, deposit insurance is a type of commercial insurance.

At the same time that the depositors deposit the money in the bank, the bank will insure each depositor with a deposit insurance, and as long as the deposit does not exceed 500,000 yuan, the bank will receive full compensation if the bank fails.

The deposit insurance system is a kind of financial security system, which refers to the establishment of an insurance institution by the collection of qualified depository financial institutions with various types of nuclear losses and closures, and each depository institution as the policyholder pays insurance premiums to it according to a certain proportion of deposits, and establishes a deposit insurance reserve fund, and when a member institution has a business crisis or faces bankruptcy and collapse, the deposit insurance institution provides financial assistance to it or directly pays part or all of the deposits to the depositor, so as to protect the interests of the depositor and maintain the bank's credit. A system that stabilizes the financial order.

The difference between insurance and savings: In order to maintain the validity of the policy, the policyholder needs to pay the insurance premium regularly, if the policy is surrendered halfway, or the premium is not paid, the principal will be lost and the policy will become invalid; However, bank savings are spontaneous acts, and banks do not have the right to force depositors to deposit within a specified period of time. Second, the dividend payment of savings insurance is not guaranteed, and there is no fixed amount; Bank deposits, on the other hand, are calculated at a fixed interest rate for depositors.

3. Depositors can use the funds in the savings account at any time, without any restrictions on the time and amount; On the other hand, the holder of a savings insurance policy can only receive the dividends on time according to the terms of the insurance contract or get back the cash value when the policy is surrendered, or withdraw the full sum insured after the policy expires. Fourth, savings insurance not only has the function of protection, but also can enjoy dividends, so it is a dual-function financial management tool; Whereas, bank savings only provide the function of saving. In addition to the basic protection function, savings insurance also has a savings function.

If no insured event occurs during the insurance period, the insurer (i.e. the insurance company) will return a sum of money to the insurance beneficiary at the agreed time. Since each savings insurance policy will be paid out and has the function of compulsory savings, the premium is higher. Common savings insurance types include endowment insurance, whole life insurance (participating), participating insurance, universal life insurance, annuity insurance (such as endowment insurance), investment-linked insurance, wealth management insurance, etc.

When buying insurance, you should first choose social security, and then you can consider commercial insurance, which first considers health, and so on.