Investment and wealth management insurance is a product between insurance and investment and wealth management products, which mainly refers to investment-linked insurance products, dividend insurance products and universal life insurance products. The common financial management methods of ordinary people are banks, stocks and funds, and it is a development trend for insurance companies to launch investment products. It should be emphasized that investment-linked insurance products will distribute the premiums paid, part of which will be used as the basis for protection and part for investment and wealth management. The relationship between consumers and insurance companies is a kind of entrustment and entrustment, which has changed the traditional insurance relationship and evolved into a relationship similar to trust. Therefore, not everyone is suitable for buying investment insurance products.
Because life insurance products such as dividend-sharing, universal and investment-linked products have strong savings substitution, safety and investment, and the capital market continues to decline in the same period, promoting "insurance wealth management" has become a favorite theme for consumers. It is noteworthy that due to the downturn in the capital market, some investment-oriented insurance products suffered losses, and some citizens chose to surrender their insurance. At the same time, in view of the overheated development of personal insurance this year, the insurance regulatory authorities have issued risk warnings. Experts believe that the fundamental function of "insurance financing" should be protection, and citizens should have a more rational sense of investment.
There are two prerequisites for purchasing wealth management products: First, customers must be well educated, have a clear understanding of their own needs, and have certain anti-risk ability, preferably middle and high-end consumers. Secondly, salespeople and insurance companies should have good professional ethics. At present, some salesmen mislead consumers in the process of selling insurance products, which has caused many disputes.
Experts remind the public that in the era of national financial management, citizens should do their own asset allocation well. There is a famous saying in investment and financial management, "Don't put all your eggs in the same basket". As a guaranteed product, insurance should first become the bottom of the "financial basket". Without this bottom, no matter how many "eggs" fall out easily. Secondly, citizens should enhance their awareness of investment and financial risks, read the relevant clauses of insurance contracts clearly when purchasing, and invest according to their purchasing power. Third, we should have a comprehensive and detailed understanding of the term, expenses, risks, rights and obligations of customers of new life insurance products, so as to effectively protect our own interests. If investment-linked insurance is a product suitable for long-term investment, you need to pay a certain fee for choosing to surrender.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.