Financial insurance is not protected by the state.
Financial insurance is a new insurance product with both insurance protection and investment functions, which belongs to new life insurance. Insurance companies operating investment insurance make full use of their scale investment advantages and investment experts to strive for the maximum investment income for the insured.
Financial management insurance in China mainly includes dividend insurance, investment-linked insurance and universal insurance. Financial management through insurance refers to the reasonable arrangement and planning of funds by purchasing insurance to prevent and avoid financial difficulties caused by diseases or disasters, and at the same time to preserve and increase the value of assets.
Dividend insurance is a form of insurance in which the insured shares part of the operating results of the insurance company on the basis of certain insurance protection. If the insurance company does not operate well in a certain year, the operating results that the insured can share may be very limited or even absent. But dividend insurance has a minimum guaranteed interest rate, which is the basic guarantee for the insured.
Investment-linked insurance is a form of insurance that combines insurance protection with investment and savings. Insurance companies set up separate investment accounts for the insured, which are operated by specialized investment experts. After deducting a small amount of expenses, the investment income will be transferred to the insured's personal account. The insured does not participate in other profit distribution of the insurance company. The investment account does not promise investment returns, and all investment gains and losses of the investment account shall be borne by the insured.
Universal life insurance and dividend insurance are similar in terms of minimum income guarantee and sharing of operating results between insurance companies and policyholders, but they are more flexible in premium payment than dividend insurance. We can adjust the amount of insurance, premium payment and payment period according to the security needs and economic conditions at different stages of life, so that the proportion of security and financial management can reach the best state in each period and the limited funds can play the greatest role.
Financial management is divided into corporate financial management, institutional financial management, personal financial management and family financial management. Human survival, life and other activities are inseparable from the material foundation and are closely related to financial management.
Legal basis:
"Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases" Article 26 If the interest rate agreed by both borrowers and lenders does not exceed 24% per annum, and the lender requests the borrower to pay interest at the agreed interest rate, the people's court shall support it. The interest rate agreed between the borrower and the borrower exceeds the annual interest rate of 36%, and the interest agreement in excess is invalid. The people's court shall support the borrower's request to the lender to return the part of the interest paid that exceeds 36% per annum.