Details of planned investment linked insurance fees
It is very necessary to know the cost details of an insurance. Take the expense breakdown of China Merchants Cigna Strategic Investment-linked Insurance as an example, which mainly includes:
1, initial cost
The initial cost of each period is 1.5% premium or irregular additional premium; Under the premise of ensuring compliance with the regulations of the regulatory authorities, the insurance company may raise or lower the above rates. However, the maximum amount is 2% of the premium or an irregular additional premium. For the insurance premium paid by the insured, after deducting the initial fee, the insurance company will buy the remaining insurance premium into the investment unit according to the provisions of the insurance contract and transfer it to the personal account of the contract. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
2. Risk insurance premium
During the validity period of the contract, the insurance company will deduct the monthly risk insurance premium from the personal account by deducting the number of investment units according to the price of the investment unit on the date of collecting the monthly risk insurance premium. The risk insurance premium is determined according to the insured's insurance amount and age in each policy year. For details, please refer to the Appendix Risk Insurance Rate Table. On the premise of ensuring compliance with the regulations of the regulatory authorities, the insurance company may adjust the above rates. However, the maximum limit is 1 10% of the Risk Insurance Rate Table. The company will share the deduction amount of risk insurance premium in each investment account according to the value proportion of each investment account in the personal account.
3. Asset management fee
The company collects the asset management fee from the investment account, which will be deducted from the investment account value when evaluating the investment account value. At present, the amount charged by insurance companies for each investment account is determined according to the following methods: the appraised value of assets in the investment account × the number of days from the latest appraisal date /365× the asset management fee rate.
(1) The annual asset management fee rate of Qurui A investment account does not exceed 2.0%, and the current asset management fee rate is 1.75%.
(2) The annual asset management fee rate of Smart A investment account shall not exceed 2.0%, and the current asset management fee rate shall be 1.75%.
(3) The annual asset management fee rate of Tian Li A investment account does not exceed 2.0%, and the current asset management fee rate is 0.5%.
The annual asset management rate of currency A investment account shall not exceed 1.0%, and the current asset management rate shall be 0.5%.
The annual asset management rate of currency A investment account shall not exceed 1.0%, and the current asset management rate shall be 0.5%.
Under the premise of not violating relevant laws, regulations and rules, the insurance company reserves the right to adjust the asset management fee rate of each investment account. Insurance companies will notify the insured in advance if they adjust the asset management fee rate currently adopted above.
4, surrender and part of the surrender fee
During the validity period of the contract, if the insured applies for partial withdrawal of personal account value or surrender after the hesitation period, the insurance company will charge a handling fee according to the proportion specified in the following table according to the surrender or partial withdrawal of personal account value in each policy year. The annual proportion of the policy is: 12%, 22%, 32%, and 0% after the fourth year. So if you buy the wrong insurance, do you want to surrender it? If you surrender, why don't you lose money? Can I return the wrong insurance? How much can I refund if I surrender? How to surrender in full?
5. Investment account conversion fee
Insurance companies convert investment accounts for policyholders free of charge. On the premise of complying with the regulations of the regulatory authorities and notifying the insured in advance, the Company may set the investment account conversion fee, but the maximum fee shall not exceed 0% of the value of 65438+ transferred into personal account.
6. Additional contract insurance premium
The insurance company will deduct the insurance premium of all additional contracts attached to the contract from the personal account by deducting the number of investment units of the policy week, month and day.
The above is a detailed introduction to the planning link insurance cost, hoping to bring you reference value.
Related suggestions:
Principles of Investment Linked Insurance of China Merchants Bank
China Merchants Bank's investment-linked insurance is an investment insurance. Compared with the traditional life insurance products in the market, it not only provides living security, but also has a strong investment function. The premium paid by consumers will be divided into two parts: investment and protection. Consumers can choose investment products with different risks according to their own risk preferences, their own risk protection needs and future financial planning needs. However, insurance experts said that consumers should not blindly insure China Merchants Bank's investment-linked insurance, and it is best to follow the basic principles. Let's introduce it to everyone. See more good life insurance recommendations. I just sorted out the relevant contents, hoping to help you: the top ten insurance companies selling life insurance in 2020!
Introduction of Investment-linked Insurance Clauses of China Merchants Bank
Investment-linked insurance, also known as investment-linked insurance, is an insurance product that integrates insurance protection and investment and financial management functions. Insurance companies can choose different investment products with different risks according to their own risk protection needs and future financial planning needs. With the rebound of the investment-linked insurance market, many investors are eager to move again. Most people have taken a fancy to China Merchants Bank's investment-linked insurance, but many people still don't understand its terms. Let me give you a brief introduction. Read more