1, dividend type:

For classic products, the insurance period is generally divided into 5 years-10 years. Product advantages: the cash value is high, the principal can be guaranteed in 1 or 2 years, and the income can generally be seen in the third year.

2, universal type:

Mysterious products with flexible funds. Having said that, if you quit early, there is no benefit at all. It will be three years before you can see the benefits. However, the continuous income in the future is still quite good.

3. Investment link:

High risk, high return. If the market is not good, the principal may be lost. If the market is good, it is a very good product.

4. Products delivered:

Tend to take a risk, usually five years or 10 years. The product features high guarantee, stable income, short payment period and long guarantee period.

For consumers, bank insurance is a simple and convenient way to buy through bank counters or wealth management centers, which has many characteristics:

Low cost-insurance companies sell insurance products through bank counters or wealth management centers, which can reduce the company's operating costs and insurance product rates and give consumers more benefits;

Safe and reliable-consumers can go through insurance-related procedures through banks to ensure the safety of consumers' funds;

Convenient purchase-bank outlets are all over urban and rural areas, so consumers can buy insurance products anytime and anywhere, and at the same time, it is convenient to choose products that meet the actual needs in combination with the family budget.

For banks, they can sell diversified products through agents to improve customer satisfaction and loyalty.

For insurance companies, the use of bank-intensive outlets can increase sales and reduce costs, thus providing customers with better products at lower prices; Using the bank's customer resources and reputation, coupled with the excellent service of insurance companies, can establish a good brand image and open up more customer sources.

Many domestic life insurance companies have achieved success in selling insurance products through bank counters. In the future, with the deepening cooperation between insurance companies and banks, people will enjoy more convenient, fast and satisfactory bank insurance services.

Insurance stems from the existence of risks. Since ancient times, there has been a saying in China that "there are unexpected events in the sky, and people are doomed".

Insurance is an economic system that establishes an insurance fund with pooled insurance premiums to compensate the insured for economic losses caused by natural disasters or accidents, or to provide material guarantee for personal injury and loss of working ability.

From a legal point of view, insurance is a contractual act. The applicant pays the insurance premium to the insurer, and when the insured suffers losses stipulated in the contract, the insurer pays it. An insurance contract is usually called an insurance policy.

Insurance is essentially a socialized arrangement, in which people at risk are organized by insurers, so that their personal risks can be transferred and dispersed, and the insurers organize insurance funds to be borne centrally. If the insured suffers losses, they can get compensation from the insurance fund. In other words, if one person loses, everyone will share it, that is, "everyone for me and I for everyone". It can be seen that insurance is essentially a mutual aid behavior.

The risks involved in insurance are limited to pure risks. In other words, insurable risk must be pure risk. The so-called "pure risk" means that there is only the possibility of loss and no uncertainty of profit opportunities. The uncertainty of loss possibility and profit opportunity is called "speculative risk".

Not all pure risks are insurable risks. Pure risk must meet the following conditions to become insurable risk: high degree of loss; The probability of loss is small; The loss has a definite probability distribution; Insurance objects with a large number of homogeneous risks; The occurrence of loss must be unexpected; The loss can be determined and measured; Losses cannot occur at the same time.

The difference between insurable risk and uninsurable risk is not absolute, such as catastrophe risk such as earthquake and flood. When the insurance technology and strength are insufficient, the insurance company simply cannot bear this risk. However, with the strengthening of insurance companies' technology, the increasing abundance of capital and the expansion of reinsurance market, this originally uninsurable risk was underwritten by some insurance companies for ten days. It is believed that with the continuous development of the insurance industry and the development of the world insurance market, the scope of protection provided by insurance will become larger and larger.

Risk management and insurance are closely related in theory and practice. Risk management refers to the decision-making and action process of risk identification, risk estimation, risk assessment and risk control to reduce the negative impact of risks.

To improve the level of risk management, the most important link is to improve the level of risk awareness. The development of probability theory provides a scientific method for people to deepen their understanding of risk, quantify risk and improve the level of risk management. The law of large numbers is an important law in probability theory, that is, under certain conditions, a large number of repeated random phenomena will show certain regularity or stability; This rule is of great significance to insurance. According to this law, the more homogeneous the insured object is, the closer the actual loss result will be to the expected loss result. Therefore, insurance companies can use damages and other expenses to balance the premiums charged.