With the end of 212, the benefits of wealth management insurance products surfaced. The data shows that the overall income of wealth management insurance declined in 212 due to the continuous fluctuation of the market, and the income of investment-linked insurance declined overall due to the fluctuation of the market, with an average income of only 2.67%. Due to the bank's interest rate cut, the income of about 4% of some dividend insurance can still outperform some bank wealth management products; However, the settlement rate of universal insurance fell to around 3.9%, but it was hard to match the 5-year fixed deposit rate of its performance comparison object.

In 213, many citizens with year-end bonuses will start a new round of financial management. Some insurance companies will take advantage of the trend to promote financial management insurance, and many even attract customers with "high returns" and high dividends. Should this kind of financial insurance be chosen? How to insure is more reliable? Insurance experts said that insurance should return to the essence of protection, and it is not advisable to pay too much attention to the benefits of insurance financing. Only by taking out insurance on demand and making long-term plans can insurance play its greatest role.

8% of the investment-linked insurance accounts have achieved positive returns

According to the data from Caihui, among the 266 investment-linked insurance products that have been counted, 217 products achieved positive returns in 212, accounting for 81.58%. In terms of yield, the average yield of investment-linked insurance in 212 was 2.67%.

Specifically, the top five products in the investment-linked insurance account are the Taiping Smart Choice Power Growth Investment Account, which mainly invests in funds, earning 2.35% in 212, and it is also the only investment-linked insurance product with more than 2% in 212; Taikang actively grows investment accounts, mainly investing in stocks, with a return of 15.57%; Haikang stable investment account, mainly invested in bonds, with a return of 11.48%; Ping An selected equity investment account, mainly invested in stocks, with a return of 9.96%; Life-enhancing monetary investment account, mainly invested in monetary products, with a return of 9.68%. The five products with the worst performance in investment-linked insurance accounts are: Sino-Italian aggressive investment accounts, which are mixed accounts, with a return of-25.4% since 212; China Life's selected value investment account is also a mixed account, with a return of-21.87%; Everbright Yongming's stable investment account is mainly invested in funds, with a return of-13.37%; Taiping balanced income investment account, mainly invested in funds, with a return of-13.8%; Taiping selected balanced investment accounts, which were mainly invested in bonds, with a return of -1.1%.

Expert-supported investment-linked insurance is a kind of insurance that combines investment functions with insurance. Although investment-linked insurance came out late, it is growing rapidly. At present, investment-linked insurance is one of the popular insurances in the market, but experts remind you to master skills when purchasing investment-linked insurance. First of all, investment-linked insurance should have a long-term holding plan. Many investors have a weak concept of long-term investment, and often only pay attention to the premium and return on investment, but they can't accept the fluctuation of insurance asset prices caused by stock market fluctuations. To buy investment-linked insurance, we should fully realize that the investment account of investment-linked products does not guarantee investment income, and the investment income is uncertain and may be lower than the principal, so there are certain risks. Therefore, investment-linked insurance is suitable for those investors who have guaranteed demand and sufficient funds for long-term investment, and they need to make full preparations before buying according to their actual situation. Secondly, make good use of the investment-linked insurance account conversion function. Investment-linked insurance has many investment accounts, and each account has different investment directions, risks and returns. If the insured thinks that the investment risk is too high, he can use the account conversion function to temporarily put the funds into a low-risk fixed income account; When the market situation improves, you can turn to partial stock accounts to obtain expected higher returns. However, when changing accounts, the insured needs to fully grasp the market situation, objectively and scientifically evaluate their risk tolerance, and then choose the account that best matches their risk tolerance and target investment period.

the long-term income of dividend insurance is better than that of fixed deposit

in the case of market downturn, the situation of dividend insurance in 212 is still unsatisfactory. Up to now, according to industry statistics, the average yield of insurance dividend insurance products is around 4%, which outperforms bank deposits and some wealth management products. For a long time, the income of dividend insurance products is not within the high range, but the income is relatively stable. In the past few years, when the capital market was good, the dividend insurance with low income once encountered a wave of surrender. In 212, when the stock market and funds were weak throughout the year, the dividend insurance mainly invested in large-sum agreement deposits still maintained a yield of about 4%, and some even higher. In order to upgrade insurance products, many insurance companies choose the investors of dividend insurance as large-scale key projects, which improves the yield of dividend insurance.

Take an upgraded dividend insurance that is selling well in the market at present as an example. Under the condition that the annual premium is 3, yuan for a 1-year period, the insurance company will not only pay a fixed income of 475 yuan, but also decide the dividend distribution according to the actual operating conditions of the dividend insurance business every year (according to the company's previous profit level, the dividend will be divided into 1 to 2 points in one to two years). In addition, if the interest is not taken out, interest will be generated every day. The guaranteed settlement rate is 2.5%, and the total settlement rate is about 4 points, which is about 1 point higher than the one-year fixed deposit rate of the bank.

expert advice at present, the main investment channels of dividend insurance are government bonds, deposits, funds and large-scale infrastructure construction. With the widening investment channels of insurance funds, the new investment income of insurance companies is expected to increase, and the dividend space may be improved. Dividend insurance is a good choice for the insured with stable income and no large expenditure plan in the short term. However, the liquidity of dividend insurance is poor. If you need to cash out in the middle, it is equivalent to surrender. The insured can only refund the money according to the "cash value" of the policy. The loss is not just interest, and it may be difficult to protect the principal. Therefore, it is not suitable for the insured with unstable income and large expenses in the short term.

the settlement interest rate of universal insurance continues to fall

With the opening of the interest rate reduction channel in 212, many companies continuously lowered the settlement interest rate of universal insurance. From the initial above 4%, it was gradually adjusted to 3.95% from May to September, and gradually adjusted to the "benchmark level" of 3.9% or below since November, which was lower than the five-year fixed deposit rate of the bank. At present, the highest settlement interest rate is 5.25% of Everbright Yongming's "endowment assurance (Universal)", and the lowest is 2.5% of six products of five insurance companies. According to the reporter's understanding, 2.5% is the guaranteed interest rate of most universal insurances in the market at present.

In the interview, the reporter found that many investors began to lose patience with the income of universal insurance, and the sales performance of universal insurance also declined. In this regard, insurance experts believe that the insured should consider the risk of universal insurance and should not only consider making money. Generally speaking, the risk coverage of universal insurance is based on natural rate, and the deduction method of this rate is accelerated with the age of the insured.

Experts advise consumers to find out the product design features of universal insurance before buying it. The main investment direction of universal life insurance is bank deposits and various bonds, and some of them are invested in funds and stocks. At present, although the annual settlement interest rate of universal insurance is generally close to the bank time deposit interest rate, it should be noted that the premium invested in universal insurance can only be used for investment after deducting the risk insurance premium, initial cost and policy management fee, and the basis for calculating income is far lower than the principal. In addition, the expenses deducted by universal insurance in the previous years are more than those in the later period, so it is unrealistic to use short-term investment of universal insurance to obtain income. To buy universal insurance, you must ensure that you can continue to pay for a long time and maintain medium and long-term investment. Generally, you can get an ideal return on investment after more than 5 years. At the same time, the guarantee function of universal insurance should not be ignored. The universal insurance premium paid by consumers is divided into two parts: one part is included in the investment account and invested by experts; The other part, like traditional life insurance, provides personal protection for customers. In addition to the protection of the main insurance, it generally provides a variety of additional insurance options such as serious illness and accidents. Moreover, because the protection cost of universal insurance is net premium and natural rate, the protection cost is lower, which can make the protection more comprehensive.

Further reading: How to buy insurance, which is better, and teach you how to avoid these "pits" of insurance.