Saving or buying insurance, which is more risk resistant?

Buying insurance will be more risk-resistant than saving, people never know what will happen in the future, if you have a serious illness, without insurance, you may spend all your savings not enough for medical expenses, buy insurance is different, you can reimburse most of the medical expenses, you can buy several different types of insurance if conditions permit, if conditions do not allow, you must buy medical insurance.

Savings and insurance, both are indispensable, the position of anti-risk is equally important, saving for emergencies, insurance for emergencies, can not simply say that savings or insurance is better.

It's definitely safer to save money, because even though it may not be able to outrun inflation, the money is real and there.

Of course, saving is more risk-resistant than buying insurance, because banks are more reliable than insurance companies.

Savings because the money will always be kept in the bank and can be distributed at any time, there will be no conditions, and insurance will have many conditions.

Saving, after all, the bank can ensure the safety of your principal, even if there is a problem, he will not swallow your principal.

Hello! The advantage of savings insurance is that it combines the functions of insurance and savings, which can not only obtain insurance protection but also achieve financial management. Among them, the participating savings insurance has a low risk and stable returns.

In addition, savings insurance also has the advantages of simple procedures, the principal can be offset accordingly, and the insured amount can be adjusted, and the income is high.

However, there is also a disadvantage of savings insurance: there will be a loss when the policy is surrendered in the early stage.

If you are not sure whether you can buy savings insurance, you can click to make an appointment for 1-to-1 insurance planning services, and the insurance brokers will provide you with professional advice.

If you don't have any money to spare and may need to withdraw some of your money in a few years, savings insurance is not for you.

Overall, the value of savings insurance is not worth buying, it has to be combined with your actual situation:

If you are a moonshine family, or someone with long-term financial needs, savings insurance is worth buying, it is equivalent to helping you save money in disguise, the longer you save, the higher the return.

If you are a parent with children, or a person with pension needs, savings insurance is also worth buying, and the money can be used for children's education expenses in the future, and can also be used for retirement.

If you are a young person who has just entered the society, a person whose career is in the growth stage, and a person who has a mortgage, consumer insurance is the first choice, which can also reduce some financial pressure.

People's lives have been getting better and better, and in this process, everyone has paid more and more attention to insurance, and everyone wants to buy a suitable insurance. Is endowment insurance worth buying? What are the advantages of endowment insurance?

If you want to know whether savings insurance is worth buying, in fact, you must first understand what are the characteristics of savings insurance. Savings insurance has two attributes of savings function and insurance function, and savings insurance has a very big feature is long-term stability, and in this process, the insurance company will also promise to protect the items covered by the insurance, so savings insurance is an insurance product that integrates financial savings and insurance protection functions, so many people have great expectations for savings insurance, because this type of insurance has financial management function. In fact, I think that savings insurance is worth buying.

Savings insurance can combine the functions of insurance and savings, that is to say, savings insurance is not only a kind of insurance, but also a kind of financial products, so we buy this kind of insurance, can also provide us with a certain income, the risk of savings insurance is relatively low, but the return is very stable, so we buy this insurance technology to obtain income and can protect their personal safety, so many people like to buy this kind of insurance very much, Moreover, the procedures for savings insurance are very simple, not as complicated as the types of insurance from other insurance companies, and you can go through it with your ID card.

Of course, savings insurance actually has disadvantages, that is, the income dividend of this insurance is not very certain, and the flexibility of savings insurance is very poor, many ordinary families are better not to buy this kind of insurance, which will affect the family's capital allocation.

Savings insurance is not worth buying, this kind of insurance is a kind of regular financial management to put it bluntly. The yield of this insurance is very low, and compared to other regular financial management, this insurance is not good at all. The advantage of endowment insurance is that the risk is very small and can be forced to accumulate.

It is worth buying because such insurance is relatively safe, and then there is no particularly large risk, and at the same time, you can also get a particularly high return value, and it is also very stable in the bank.

It is worth buying, the final income is still relatively stable, and if there is any major illness, it will be compensated accordingly, and there is no big risk.

The so-called savings insurance, as the name suggests, is an insurance product for the purpose of savings and investment; It mainly includes: whole life insurance, various forms of insurance including education funds, etc., and endowment insurance.

This type of insurance is less risky and generally more reliable. Savings insurance has different requirements for investors of different ages, and for young children, it is mainly based on medical treatment, critical illness, and education; For middle-aged people, medical insurance or endowment insurance is the main thing; For the elderly, hospitalization expense insurance is still very necessary, it is more cost-effective for the frail elderly, and it has a practical effect. If there is no accident during the insurance period, at the agreed time, the insurance company will return a sum of money to the insurance beneficiary, just like the annual zero deposit premium, which will be withdrawn after the expiration, similar to the bank's small deposit and withdrawal.

There are many types of insurance, including accident insurance, medical insurance, critical illness insurance, life insurance, annuity insurance, etc., most friends don't know what the reason is to buy them? Then you can open this link, where Daddy answers this question in detail. Top 10 Reasons Why You Should Buy Insurance?

How is insurance configured? 》

Hello, there is no no, savings annuity insurance can be purchased. Savings insurance is a life insurance contract, which is protected by contract law and insurance law, as well as regulated by the China Banking and Insurance Regulatory Commission. It is absolutely safe and reliable to buy.

Now it is a good start for financial institutions. All financial institutions are selling hot start products. But banking institutions have started to promote insurance products this year, which is what you call savings insurance.

Why are banks so hot? The first is because interest rates will inevitably fall in the development of a market economy. The second is that only the contract of insurance is rigidly paid.

And the bank deposit is only 500,000 to ensure that the funds are absolutely safe. The third is that insurance is compound interest income, and banks are simple interest.

It's okay, the pricing rate of insurance is that banks rarely have this interest anymore.

Whether the value of savings insurance is worth buying or not should be analyzed on a case-by-case basis.

1. The biggest function of savings insurance is to provide stable cash flow for the future. At the same time, it can provide a sense of security about the future, and you can clearly know that there is a certain amount of cash flow in the future. In addition, savings insurance has the functions of taxation, debt, marital isolation and inheritance.

2. The security of savings insurance, the ten major security mechanisms of insurance are there, and there is no problem with security, after all, the China Banking and Insurance Regulatory Commission is still very powerful. Speaking of which, the bank's deposit of more than 500,000 yuan is not as safe as it. Most people agree on security.

3. At present, the predetermined interest rate of the product is annualized compound interest at the current price. The predetermined interest rate refers to how much an insurance company is willing to spend on the return on investment when calculating the estimated costs and profits. If the actual internal rate of return is subtracted from the actual cost of sales, it will not be settled at this rate, and the actual return of the same predetermined interest rate will not be the same.

Secondly, the annualized compound interest at the current price focuses on the current price, compounding on the basis of the cash value, rather than calculating the annualized compound interest on the premiums deposited.

4. A big problem with savings insurance is that people with a little investment experience will say that after 20 years, this money is still valuable, and there is no purchasing power for a long time. But in fact, outperforming inflation is either consumed right now, or it is never a problem that can be solved by a single financial product, but a comprehensive asset allocation. This equity investment investment, you should work hard, you should work hard, you should invest in your own ability, in short, find a way that suits you, so that income growth can outperform inflation.

5. Savings insurance is particularly inflexible. From the perspective of asset allocation, it belongs to the type of long-term asset allocation, which is basically a long-term life plan of more than 15 or 20 years. Although you can take out a cash value loan after the payment period to relieve the pressure of flexibility, at least after a few years, you will have to wait for the cash value to rise, after all, the policy mortgage is only used as a last resort, not a primary function.

Savings insurance is risky but small and relatively reliable.

As the name suggests, savings insurance is an insurance product that aims to save and invest; It mainly includes: whole life insurance, various forms of insurance including education**, endowment insurance and savings functions.

The annualized compound interest income of savings insurance does not exceed and dividends are not calculated. All insurance companies in the mainland are the same, so the risk is much smaller than that of other wealth management products.

The risks are as follows:1Savings insurance plans continue to pay for the duration of the plan. Once the payment is stopped halfway through, the policy will be ineffective.

2.If there is participating insurance, dividends are dispensable depending on the profitability of the insurance company, so there is significant uncertainty.

3.Savings insurance has a long period and cannot be withdrawn in the short term.

In terms of specific savings products:

1.Savings insurance is somewhat mandatory when it comes to savings. In order to maintain the validity of the policy, the policyholder needs to pay the premium on a regular basis.

If they surrender the policy or do not pay the premium, they will lose the principal and the policy will lapse; Bank deposits are spontaneous, and banks do not have the right to force depositors to deposit within a specified period of time.

2.Dividend payouts for savings insurance are not guaranteed and there is no fixed amount; Bank savings are calculated at a fixed interest rate for depositors.

Savers can access the funds in their savings accounts at any time, with no restrictions on the amount of time and time;

4.Savings insurance not only has the function of protection, but also can enjoy dividends, which is a dual-function financial management tool; Bank Savings only provides a savings function.

Some people save to increase their sense of security, but they don't know when the end will be. As a result, the country's savings deposits have increased by 1 trillion yuan every year, making it one of the countries with the highest savings rate in the world. But ** already worried:

The consumption rate is too low. Economic growth is mainly driven by investment, and there are all kinds of drawbacks, when will a healthy economic growth model that mainly relies on consumption be introduced?

After the wallet is bulging, in addition to saving, we also have to set aside some funds to buy insurance. Through insurance, we can transfer many unpredictable risks in our future lives to insurance companies, bringing a more lasting sense of security to our families. In developed countries, one-third of personal wages are used to buy insurance, and the sickness, pension, etc. are all handed over to insurance companies to take care of, and the remaining wages can be saved, invested or consumed, with no worries at all, and let themselves enjoy the fun of life freely.

Isn't that what family finance is for?

In the past 10 years, insurance has been recognized and accepted by more and more people. However, due to the lack of knowledge of insurance and bank savings, many people mistakenly invest life insurance as a "second savings", which is actually very irrational, undesirable and even counterproductive. So, who is the best deal to buy insurance or bank savings, this needs to be compared and selected from many aspects:

From the perspective of risk prevention, both insurance and bank savings can prepare for future risks, but there is a big difference between them: using bank savings to cope with future risks is a self-help behavior, without transferring risks; The use of insurance can transfer the risk to the insurance company, which is actually an act of mutual assistance and cooperation.

From the point of view of access and withdrawal methods, deposits in the bank are free to deposit and withdraw; Insurance, on the other hand, has the meaning of compulsory savings, which can help you save a sum of money quickly, but only when the insurance expires or the insured event occurs.

From the point of view of the return on the contract, in bank savings, the amount includes the principal and interest, which is determined; In insurance, the amount of money you can get from selling ants is mostly uncertain, it depends on whether the insured event occurs or not, and the amount may be much higher than the insurance premium you pay; With the exception of a few types of insurance, such as term pension insurance, the amount of money you can get is also certain.

From the point of view of ownership, the money you deposit in the bank is still yours, and it is only temporarily used by the bank; And the money you spent on insurance is no longer yours, it belongs to the insurance company, and the insurance company fulfills its obligations according to the provisions of the insurance contract.

In short, the most important thing is to understand that the main role of insurance is protection, and the main role of bank savings is the safety of funds and a certain amount of income leniency. Which is more cost-effective, buying insurance or bank savings, can only be considered and decided by yourself based on your own economic situation, physical condition, risk prevention and other aspects.