Dividend insurance and universal insurance are two kinds of financial insurance that everyone is most concerned about. Therefore, Senior Sister takes these two types of insurance as examples to tell you what to pay attention to when buying financial insurance.
First of all, we should know that the policy dividend of dividend insurance is uncertain, and the specific amount that the insured can share is determined by the operation of dividend insurance business of the insurance company. If the operating conditions meet expectations, the insured can get a certain dividend. However, once the business situation is not good, the insured may not get dividends. From this perspective, dividend insurance can not bring certain benefits to the insured!
Let's stop here about dividend insurance. If you want to know more about this kind of insurance, you can click the following link: Why is the complaint rate of dividend insurance so high? Unveil the mystery of dividend insurance
Many people want to buy universal insurance because it can provide a universal account for the insured, and the interest rate of this account can reach 5-6%. However, what we need to know is that the interest rate of this universal account will change. If the external investment environment deteriorates, then the universal account is likely to operate only at the guaranteed interest rate.
The highest guaranteed interest rate for universal accounts in the market is 3%. When buying universal insurance, you can insure products that suit you according to this standard.
In addition, there are many contents of universal insurance worthy of our discussion. Due to space reasons, you can move to the following article to learn more about universal insurance.
Universal insurance financing, stable and safe income? Universal insurance from the beginning!
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