Is participating insurance protected, and is participating insurance reliable

Participating insurance products generally have fixed income and dividend income. Dividend income is distributed according to the company's actual operating results and the contribution made by the policy. When buying participating insurance, there are a few things to consider:

1. Investment channels, investment channels determine investment returns. You can ask about the investment projects your product has participated in, and refer to the past returns. 2. The product form determines the fixed income.

Hello, insurance is guaranteed, but some of them are heavy on protection and light on dividends, and some on the contrary, heavy on dividends and light protection, if it is the first policy in your life, you should choose heavy protection insurance.

Participating insurance is a long-term life insurance, and its protection part is usually death and accident protection, depending on what insurance product you buy.

Hello, as long as the insurance is covered, it depends on what type and the amount of insurance is large.

Guaranteed. Today's insurance is a protection with dividends.

Hello, I don't know what kind of protection you are referring to? Nowadays, many insurances are dividend-paying, and insurance itself is protection, so there must be protection! If you are referring to whether the dividend is guaranteed or not, it depends on the operating level of the insurance company, you can check the dividend status of each insurance company over the years on the Internet, and choose a guaranteed company to do, hehe.

Yes, the protection type of participating insurance will definitely have life protection, and the wealth management type of dividend insurance is only the protection of funds, but there is no life protection.

Participating insurance can be reliable under certain conditions, but the specific reliability depends on a number of factors, including the financial strength of the insurance company, operating conditions and investment strategy. Here's an explanation of the reliability of participating insurance:

Financial strength of insurance companies: The reliability of participating insurance is closely related to the financial strength of insurance companies. More prudent insurers usually have sufficient capital and reserves to cover insurance risks and are able to pay dividends on time.

Operating conditions and stability: The operating conditions and stability of insurance companies are also key to evaluating the reliability of participating insurance. The profitability and long-term operational stability of insurance companies can affect whether they can maintain the stability and sustainability of dividends.

Investment strategy and risk management: Participating insurance is closely related to the investment strategy and risk management of insurance companies. The quality and diversity of an insurer's portfolio, risk management policies, and ability to monitor risk and manage its balance sheet all affect an insurer's dividends.

Overall, participating insurance can be reliable, but it needs to take into account factors such as the insurer's financial strength, operating conditions, and investment strategy. Policyholders can obtain more comprehensive information and advice by assessing the financial health of the insurance company, understanding its historical dividend history, and consulting with a professional insurance advisor.

The above is Dad's, if you have any questions, please send a private message.

Participating insurance is really reliable.

Participating insurance also needs to be reviewed and approved by relevant national agencies before it is launched in the market.

Therefore, the participating insurance products sold on the market are basically legal and reliable. When purchasing, you should pay attention to choosing a legal and reliable insurance platform.

Hello, this is absolutely reliable, and insurance companies are supervised by the Insurance Regulatory Commission. There is an annual report every year. Stipulates that 70% of the profits of insurance companies shall be distributed to customers.

Reliable, the CIRC stipulates that 70% of the profits of insurance companies are distributed to customers.

Whether buying insurance is reliable or not depends mainly on the insurance product you buy and the purchase channel, as long as you buy the insurance through the right channels, there will generally be no problem.

Hello, first of all, the insurance company is reviewed and approved by the Insurance Regulatory Commission, and it is a legal business entity. Secondly, participating insurance, the dividend depends on the return on investment of the insurance company's investment project; Finally, at present, only four insurance companies are state-owned enterprises, vice-ministerial-level units, namely China Taiping, Chinese Life, Chinese People's Insurance Company, and China Reinsurance Group; The corporate status of a central enterprise provides you with favorable risk management and control; Among these four units, Taiping Life has the highest level of dividends.

Reliable, but it depends on how you choose the company!

Hello! Dividend insurance is very good, it depends on the company, only the dividend of Sunshine is the highest of all life insurance, you can check in the pipe network.

There will definitely be dividends, and participating insurance is the distribution of the company's annual operating dividends, and the dividends are uncertain. Secondly, if it is not for insurance, for the sake of income, you can consider investing in projects with higher returns, such as online loans, such as ** and so on. Recommend a reliable online loan company, Shenjin**, with collateral and strict risk control.

Hello: Life insurance dividends are currently ranked first among life insurance companies. Safe and reliable, happy to serve you.

Participating insurance is to share the distribution of the company's annual operating dividends, and the dividends are uncertain.

Personal security, medical security first, investment security later, and established in stages.

Hello. Look at the peace.

The protection content of participating insurance is generally death benefit.

Before analyzing the participating insurance, this insurance knowledge needs to be understood in advance:Before buying insurance, you must first understand these key knowledge points! 》

Participating insurance refers to a wealth management insurance product in which the insurance company invests part of the customer's premium, and distributes the investment income to the policyholder according to a certain amount after deducting the cost, killing two birds with one stone, and one insurance takes into account the protection and financial management functions.

Hear"Dividends"Two words, many people feel that they have paid money, not only guaranteed, but also able to enjoy dividends, as if they have become the original shareholders of the insurance company, but I have seen too many friends who have bought dividend insurance, but no one has really obtained considerable income after buying dividend insurance, not one.

The main reason is that consumers do not know enough about participating insurance

Clause. 1. It is difficult to receive dividends from dividend insurance.

Second, the dividend pool is not transparent.

The two residual features of dividend insurance make the real income of dividend insurance an unknown, so everyone is respectful of selling dividend insurance, and the specific reasons I have put in this article. Why is it said that participating insurance is insurance"Areas with a high incidence of complaints"？》

Therefore, if you do not have a certain amount of insurance knowledge, you should be cautious to buy participating insurance!

[Written at the end].

I sell and slander is [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.

Insurance companies make profits with dividends, and "Participating Insurance" is the magic weapon for insurance companies to make money, so that you will be deceived unconsciously! The insurance company's "Critical Illness Insurance" is life-saving, because if you get the same illness as the insurance contract, this person will be a dead end. You have to understand that it is insurance that calculates you, not you who calculates insurance!

Insurance is, you consume, the insurance company serves you, he earns your money, not gives you money, you can't get the original intention of insurance wrong, and if you make a mistake, you will be deceived! Insurance, except for accident insurance, other types of insurance are fooling people. People who have bought life insurance have been fooled, because you can't withdraw money at any time, and once you withdraw the money, you will lose a lot until you die, and the disease you still have when you die must be the same as the disease in the insurance contract, word for word, in order to get a claim, otherwise you will not be claimed.

When a child is born, he talks about death insurance, which is a curse to die quickly! Insurance only talks about cash value, not principal and dividends. If the insurance has a contract liability, he will have a cash value and dividends, and if the contract liability does not occur, he only talks about the cash value, and the cash value insurance contract has a cash value table on it, how many years is how much it is, you will understand it when you read it.

That money is far less than the principal, whether it is withdrawing money, surrendering, or the so-called conversion pension, it all depends on the cash value. The insurance salesman didn't explain the cash value of the policy to you, and the customer didn't buy it after reading it, so they fooled you into taking the money after paying the premium. Insurance is a loss for several years, but in fact, even if you get the principal for a few years, you will lose a lot of money due to the currency depreciation of your principal.

The insurance company holds a meeting every day, and the so-called morning meeting of the insurance company is to talk about some ways to fool people! That is, how much this dividend has been for decades, and how much has been for decades, hey, as soon as you look at a lot of numbers, you will be red-eyed. In fact, it is very simple to understand insurance, that is, when the insurance is out of danger, look at your "protection", and look at the "cash value" of your policy without insurance, no matter how many years it is, it is to read the "cash value", because life insurance is a whole life insurance, and if you withdraw money at the end of your life, then you will see the surrender (that is, the cash value given to you), so if you understand these two numbers, you will not be fooled by selling insurance, and the dazzling numbers he said will not fool you into being deceived.

Finally, you must remember that the so-called "insurance" is used to resist risks, not to manage money, let alone use insurance to make money. If you want to manage your money to make money or if you want to resist currency depreciation, you can do ** and treasury bonds (not a very good choice). Therefore, participating insurance is to defraud customers of their money in the name of insurance.