Investment insurance has become a new means of financial management, is it true that insurance can m

Insurance is indeed a way of investment now, and it is a long-term investment, and there is indeed insurance that can make money, but this time is too longAnd most people can't wait that long, he is not an investment to some extent, but a guarantee, which is the kind that will only return you in the next 10 or 20 years. <>

For example, a friend of mine has a child who is now about two or three years old. He has a friend who does insurance, an average of about 3,000 yuan a year, pay for 10 years, and then 10 years later, this child will also go to junior high school, from junior high school onwards, he will give a certain subsidy when the annual tuition fee starts, and then there will be a certain amount of gift money on his birthday, and when he arrives at the university, there will be various forms when he gets married, and finally return the money to you,In short, the absolute amount calculated in the end is at least 50% more than the amount you handed in, almost a little more than double. <>

If you look at it this way, this money seems to be very suitable, but if you look at it from the perspective of capital operation, the insurance company will not lose this money, you must know that going to high school, going to college will indeed give you money, but the premise is that your children can go to high school and college, not all people will go to college, Dad even said that it also stipulates that if you go to graduate school, you will be given a part of the tuition fee every year in proportion, but you have to go to that school. On the other hand, it is first necessary to hand over about 3,000 yuan per year for 10 yearsAfter 10 years, you won't know if the money he gave you is still there, and the current purchasing power cannot be ignored through inflation. <>

If you look at it from the perspective of security, this money is still worth spending, that is, he can't make you rich and expensive, and he can't make you too much money, but at least it's an economic supplement, because your current economic conditions may be good, and you can work normally and make money normally, but you can't guarantee that you can still make money after 10 or 20 yearsBut having such an insurance can at least ensure that the child goes to school, and some basic expenses can be supplemented, so this can still be considered.

It's true, but if you don't understand it at all, it's easy to be led into the pit, and you still have to do more homework before buying insurance-type financial management.

It's true. Insurance that can make money usually requires more premiums, and those who promise to return more than 120% after maturity can indeed be profitable, but the actual inflation level needs to be considered to judge the level of return.

In recent years, with the rapid development of the economy, people's investment awareness has gradually increased, and investment and financial management have begun to become a trend. As an emerging way of financial management, insurance has begun to be accepted by more people, so what are the advantages of insurance and financial management compared with other types of financial products? Next, follow the online loan platform of the Broker Exchange to understand the advantages of insurance and financial management.

Advantage. First, the guarantee function.

Insurance is a contractual act, and the rights and interests of customers are protected by both law and contract. Investment insurance and financial management can obtain corresponding protection, which is an effective measure to prevent economic losses and stress caused by accidents, which is a function that neither ** nor **.

Advantage. 2. Financing function.

The financing role of insurance and wealth management is manifested in two aspects. The first is risk financing, when the insured is at risk, he or the beneficiary can get a sum of insurance money. The second is direct financing, many policies have pledged loan commitments, as long as the insurance is valid for more than two years, the insured or the policyholder can apply for a loan from the insurance company, the term is usually half a year, at present, China's cash limit for insurance loans is about 80% of the cash value of the policy.

Advantage. Third, the benefits are large.

Investing in insurance and wealth management will earn more than the insurance premiums it pays, provided that the policy really works. This is also an important factor that distinguishes it from other financial wealth management products: it is impossible to meet and meet the promise of returns to investors according to the requirements of the insurance contract.

Insurance and wealth management just make up for this shortcoming, making the income method more inclined to investors.

Advantage. 4. Circumvention of judicial privileges.

Insurance and wealth management can avoid the restriction of special judicial power in the implementation process, in other words, when the investor's other property and wealth management products are frozen in accordance with the law, the insurance policy will not be frozen. This is also an important embodiment of the difference between insurance and wealth management and other financial products.

The above content is a summary of the four advantages of insurance and financial management, insurance is a relatively safe way of financial management, as long as it is used reasonably, it can greatly improve the effectiveness of financial management. However, remind everyone that the income of insurance and financial management cannot be guaranteed, and investment is risky, so everyone should be rational in insurance.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Universal insurance is just a skill packaged by insurance companies, products that can resist risks and manage money, in fact, he has no role in financial management at all, just put your own money there and save it.

Xueba talks about insurance, focusing on insurance evaluation! What are the main differences between the current wealth management insurance products on the market? Here is a ranking, I hope to provide you with a reference"Top 10 Annuity Insurance Points Worth Buying! 》

First of all, to give you a clear reply, financial insurance is reliable and almost risk-free.

However, the benefits of each product will be different, and what you really need to evaluate should be whether the return of the financial insurance you choose is high or not, and whether the investment value is worth it. Let me give you a detailed introduction to the advantages and disadvantages of financial insurance, and see if it is worth it

In general, the more popular financial insurance products are these: annuity insurance, universal life insurance, participating life insurance, education funds, increased life insurance, investment-linked insurance, etc. Financial insurance is more complicated, but as long as you set the direction first, such as whether you want to protect or manage your finances, you won't go wrong.

First of all, more than 90% of ordinary families are not suitable for buying financial insurance, unless it has been well supplemented in terms of basic protection, and it is not easy to buy basic insurance"3 sets of plans, complete with a family's insurance".After the basic protection is stable, it is time to consider buying financial insurance.

Let's go back to financial insurance. Friends who like to buy financial insurance to make investments, mostly because of its advantages:

2.Forced savings. Purchasing financial insurance, such as education funds, endowment insurance, etc., can have stable income and savings.

3.Achieve wealth inheritance. To a certain extent, it can realize the appreciation of property when it is finally passed on to future generations.

In fact, financial insurance not only has advantages, but also has a lot of disadvantages, mainly the following points:

1.Low yields. The risk of wealth management insurance is not high, based on this situation, the return will not be too high, and from a long-term perspective, the income of wealth management insurance will fluctuate between 2% and 4%.

2.Low asset flexibility. Take it at any time or even return it at any time, many times it is just a false name, if you do this, you may not lose a fortune.

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

The above is a simple analysis of financial insurance, and which one is the most recognized in financial insurance? According to the current situation, it is annuity insurance. Regarding annuity insurance products, I made a comparison"Top 10 Annuity Insurance Points Worth Buying!

When purchasing financial insurance, the taxpayer should pay attention not to fall into the following five misunderstandings:

Myth 1: Insurance and wealth management products will definitely make money.

The biggest function of insurance and wealth management products is protection, and investment income is an additional function, and most of them are related to the income of insurance companies, and there will be risks, which is the characteristic of insurance and wealth management products. Generally, the fees paid for the purchase of insurance and wealth management products will be divided into three parts, one part is used for the protection function of insurance, one part is used for investment, which is equivalent to investment in insurance companies, and some part is used for insurance companies to deduct corresponding expenses. Experts suggest that the purchase of insurance and wealth management products should be rational, heavy protection and light financial management, it is not a fully income nature of financial products, we must first consider the protection function, and then choose its investment benefits.

Myth 2: The income of participating insurance is higher than that of banks.

Many insurance companies will say that the annual rate of return of their participating insurance products can reach about 5%, which may be higher than the bank interest rate, and many people have purchased participating insurance products, but in the end they may find that not only do they not get the dividends, but they may even lose their principal, and they feel cheated. In fact, dividend insurance is still an insurance product, and its main function is protection, but dividends are directly related to the profitability of insurance companies.

Myth 3: Universal insurance must be risk-free.

The name universal insurance will mislead many people to think that universal insurance must be the most secure, but in fact, this is also a manifestation of people's ignorance of insurance and financial products. The final settlement interest rate of universal insurance is not calculated according to the annual interest rate, but the interest rate of each month is settled and accumulated to the next month, which may result in the income obtained is far less than the result of settlement according to the annual rate of return. Therefore, universal insurance is also risky, and it is not necessarily a panacea.

Myth 4: Investment-linked insurance is suitable for everyone.

One of the characteristics of investment-linked insurance is that the insurance company does not guarantee the minimum rate of return, does not promise any form of risk, and cannot surrender the policy in the short term, otherwise the principal will be lost. Therefore, investment-linked insurance is not suitable for everyone.

Myth 5: Buying acquaintance insurance must make a steady profit.

Through the above introduction, it can be seen that investment insurance is risky, and the operating conditions of the insurance company are related, so it has nothing to do with whether it is an acquaintance. When choosing a product, if the insurance salesperson blindly emphasizes the income characteristics of the product, please choose carefully.

Hello! Investment and wealth management insurance is favored by investors because of its protection function and investment and wealth management function. Affected by the market environment, there are risks in the income of investment wealth management insurance.

Investment and wealth management insurance is a product between insurance and investment and wealth management products, mainly referring to investment-linked insurance products, participating insurance products and universal life insurance products. The common way of wealth management for ordinary people is banking, **, and **, and the introduction of investment products by insurance companies is the trend of development. It should be emphasized that investment-linked insurance products distribute the premiums paid, part of the money is used as the basis for protection, and part of the money is used for investment and financial management, and there is a relationship of entrustment and trusteeship between consumers and insurance companies, which has changed the traditional insurance relationship and evolved into a trust-like relationship.

Therefore, not everyone is suitable for investment insurance products.

As life insurance products such as dividends, universal and investment-linked products have strong savings substitution, protection and investment, and the capital market continues to decline during the same period, "insurance and wealth management" has become a theme favored by consumers. It is worth noting that dragged down by the downturn in the capital market, some investment-based insurance products have suffered losses, and some citizens have chosen to surrender their insurance. At the same time, in view of the overheating of the development of life insurance since the beginning of this year, the insurance regulatory department has issued a risk warning.

Experts believe that the fundamental function of "insurance and financial management" should be protection, and the public should have a more rational sense of investment.

There are two prerequisites for buying wealth management products: first, customers must be well-educated, have a clear understanding of their needs, have a certain ability to resist risks, and preferably be mid-to-high-end consumers. Second, salespeople and insurance companies should have a good work ethic.

At present, some salespeople mislead consumers in the process of selling insurance products, which leads to many disputes.

Experts remind the public that in the era of national financial management, citizens should do a good job in their asset allocation. There is a famous saying in investment and financial management, "Don't put all your eggs in one basket". As a protection product, insurance should first become the bottom of the "financial basket", without which no amount of "eggs" will easily fall out.

Secondly, the public should enhance their awareness of investment and financial risks, read the relevant terms of the insurance contract when purchasing, and invest according to their purchasing ability. Third, it is necessary to have a comprehensive and detailed understanding of the term, fees, risks, rights and obligations of customers of new life insurance products, so as to effectively protect their own interests. For example, if the ILAS is a product suitable for long-term investment, there is a certain fee for choosing to surrender the policy.

Is financial insurance reliable? Is there a risk in buying financial insurance?

1. From the perspective of the product's own interests: it is difficult to say how high or low the income is, at least the capital is guaranteed and safe.

2. In terms of protection: in addition to insurance products, there is no kind of financial product that has personal protection.

3. From a legal point of view: all insurance products are protected by law, and they also have the function of tax avoidance.

Is financial insurance reliable? Although there is no risk in investing in wealth management products, and it will not fluctuate like other products, there will be a fixed income every year, but there are also some details that need to be paid attention to when buying investment and wealth management products:

1. When purchasing investment-type insurance, you should not only judge the size of the insurance income based on the statistical data of the insurance company, but should also refer to the bond market, the ** market and the bank deposit three yields to comprehensively consider. It is also important to note that depending on the type of insurance purchased, the focus will be different.

2. Before purchasing, you must carefully read the product manual, and know which benefits are guaranteed by the insurance company, which are not guaranteed, and which are determined according to the operating conditions of the insurance company.

3. Before applying for investment, you should pass a professional test, be able to clarify the term of your investment and the ultimate goal, and be aware of it.

4. Not all families are suitable for purchasing participating insurance. Families with large expenses in the short term should be cautious about purchasing participating insurance; Families with unstable income should not purchase participating insurance.

Is financial insurance reliable? Is there a risk in buying financial insurance? Insurance doesn't have to be a must for everyone, but it is a must-have for everyone. Therefore, it is very necessary to buy a suitable insurance for yourself. This is a must-have.