Can insurance resist inflation, and can financial insurance resist inflation?

Insurance is equivalent to a contract involving luck, which may or may not be valid, if you don't wait to enjoy the benefits of insurance, it will be gone?

Anything you buy can be inherited. If you buy insurance, you will not inherit it because of your personal attributes.

If it's accident insurance, what if there are no accidents all the time? Or give money to people for nothing.

Therefore, insurance cannot be useful unless the specific circumstances agreed in the contract are met, and insurance is a lucky contract, which is no different from gambling. Because of this, insurance companies are very profitable, and there is no insurance company in the world that has failed, do you think he will suffer? ? There are banks that have failed and lost money, and none of the insurance companies have failed.

Inflation is the general trend, and we should make as reasonable investment arrangements as possible according to our actual situation.

Insurance is very good in the face of inflation, and in the 80s, someone spent a lot of money to buy an endowment insurance, which means that this person can receive a monthly pension of 50 yuan when he retires in 2005.

For your question:

Insurance itself is an effective way to fight inflation. Because the amount insured is dozens or even hundreds or thousands of times your principal. Except for some small types of accident insurance, the others are all related to the principal with interest and reversal.

Therefore, insurance can not only resist inflation, but also pass on your money to the next generation.

It's not clear what kind of insurance product you're talking about, it's hard to say.

1. Buy insurance according to your ability, and the expenditure of buying insurance should occupy a reasonable proportion in your entire financial planning, otherwise it may affect the capital operation of your normal life.

2. Buy insurance to buy on demand, buy insurance according to your actual situation, buy on demand, can not act blindly, only suitable for yourself is the best.

3. To buy insurance, we should be optimistic about the relevant terms and services, consider its after-sales service, and choose those companies with good integrity and thoughtful service to insure the insurance company, so that the insurance they buy can play its due and real protection role.

<> wealth management products are not enough to resist inflation, because the expected return of wealth management products is relatively low, and it is necessary to choose some high-return products to resist inflation, such as: **, **, **, real estate, façade and parking spaces in the city of a chain of ideas, but these products are not principal-guaranteed products, and there is a possibility of losing the principal in investment.

Wealth management is a fixed income product, wealth management mainly invests in time deposits, bonds, commodities, foreign exchange and other products, the proportion of general investment and foreign exchange is relatively small, so the income of wealth management products is relatively small.

In times of normal prices, or when the expectation of inflation is not high, people can generally buy financial insurance to protect against inflation.

Inflation mainly refers to the fact that under the credit money system, the amount of money circulating in the market exceeds the actual demand, thus triggering a sustained and comprehensive price increase. There are two main characteristics: one is that the price of goods refers to the general nature of goods.

In normal periods of prices, or when the expectation of inflation is not high, people can generally buy life insurance savings products to prepare for various financial needs in the future: there are endowment insurance, and there are also products that can be used for children's education, marriage, entrepreneurship, etc. In fact, there is a second path for investors to choose from.

For example, the dividend insurance in the investment life insurance products, its advantage is that the insurance can be repaid at the end of the insurance period, and because the funds will be mainly invested in **, bonds and bank deposits including agreement deposits, investors will share the operating results of the insurance company in this type of insurance, which not only has a certain degree of protection, but also has the characteristics of risk investment, and can also carry out reasonable tax avoidance. However, as a long-term plan, the early profit is not high.

In addition to participating insurance, what other insurance products also have the effect of protecting against inflation? There are also insurance products that also have the effect of protecting against inflation, such as universal insurance.

Universal insurance refers to life insurance that allows you to pay premiums at will and adjust the amount of death benefits at will. In other words, the policyholder can pay any amount of premium at any time, except for the first instalment of a certain minimum amount, 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.

In addition, the more aggressive investment-linked insurance, as well as the universal insurance between moderate and aggressive, are both anti-inflation weapons that can be purchased according to the needs of different groups of people. The former is as effective as buying **, buying ** and other investments, while the latter has a guaranteed interest rate, and the insurance company will adjust the settlement interest rate according to the market and business conditions every month, and the long-term investment income can also effectively resist inflation.

Test your anti-risk index, experts will interpret it for you for free!