First, the cost should be low.
We have a misunderstanding, that is, insurance surrender means deducting money.
In fact, on the contrary, surrender is not deducted, while insurance is deducted.
For insurance products sold by insurance salesmen, the 20-year down payment is deducted by 80%. As the commission of the insurance salesman and the operating cost of the insurance company, only 20% of the money will be credited to your insurance company account. Regardless of future dividends or surrender, it is based on this and has nothing to do with the premium you pay.
This can be seen from the insurance contract. Although obscure, the cost borne by the customer can be obtained by subtracting the cash value from the premium paid.
The second is to consider liquidity.
A lot of dividend insurance, it looks very lively, how much is it in two years or even one year.
You should know that the money returned is not your capital gains, but your capital itself. Every time you refund, your money in the insurance company account will be reduced accordingly.
The third is income.
The income from dividend insurance is very low. A friend bought a safe newborn and century angel for his child, and paid more than 6,000 yuan a year. Dividends are less than 59 yuan this year.
Because most of the insurance premiums he paid are deducted as expenses, the remaining dividend base is very small, but the income is only about 2.5%. The dividend base is low, and it is difficult to recover the principal for many years, not to mention the extra income.
As a result, how much income the salesman described in the future is almost impossible to achieve.
So these types of insurance are not suitable for children.
Dividend insurance sold by insurance companies now basically belongs to the above categories.
Insurance that is really suitable for children must have low cost, high income and flexible withdrawal.
Of course, insurance companies also have such insurance, but only rational and pragmatic customers will find and buy such insurance.
The insurance salesman doesn't mention this kind of insurance. If they sell this kind of insurance, the salesman can't live.
The most suitable preparation for children's financial management is universal insurance. Low cost, clear income, daily interest and monthly compound interest can be withdrawn at any time, which is incomparable to dividend insurance.
However, the cost of universal insurance is very different from the product cost of different sales channels. The high cost accounts for 50% of the premium, such as Ping An Wisdom Star.
However, there are also universal insurances that only charge 2%. The key is that customers should learn to choose for themselves.
/mavin/view/ Guan Rongjun
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