Whether the non-guaranteed dividend of dividend insurance can meet the planned expectations may be one of the differences between Hong Kong insurance and domestic insurance companies.
I. Prudential Life Case 1: Ideal Life
The following figure shows the dividend record of Prudential's "Ideal Life" policy which came into effect in 2004. In the eighth year of the policy, the actual dividend value is 43. 1% higher than the promised dividend value. During the period, it experienced the financial turmoil in 2008, but it did not affect Prudential's profits and dividends at all. It can be seen that Prudential's operation is stable.
The applicant is male and was insured in 2004. He was 35 years old when he was insured, and the insured amount was 50 thousand dollars. The insured pays the insurance premium in one lump sum. Case 2: Better.
Let's look at another example of Prudential's Better Plan, which came into effect in 2004. In the eighth year after the policy came into effect, the actual dividend value of Prudential was 44.43% higher than the promised dividend value.
The applicant is a male and was insured in 2004. He was 35 years old when he was insured, and the insured amount was 50 thousand dollars. The insured paid the insurance premium within five years.
Case 3: Sheng Jun
The following figure shows the dividend record of Prudential "Sheng Jun" policy which came into effect on 20 10. As can be seen from the following figure, the actual average dividend of Prudential "Sheng Jun" policy is higher than the promise.
The applicant is a male, and was insured on 20 10. At the time of insurance, he was 35 years old and the insured amount was 50,000 US dollars. The applicant pays the insurance premium in five years. Case 4: Double Harvest Plan
Let's look at an example of Prudential's "Double Harvest" plan. In the sixth year after the policy came into effect, the actual dividend value of Prudential was 3.03% higher than the promised dividend value.
The insured is a male and was insured in 2006. At the time of insurance, he was 35 years old and the insured amount was HK$ 400,000. The insured pays the premium in eight years. Case 5: Ideal Life
The following case is an earlier "ideal life" policy of Prudential in the UK, which came into effect on 1995. During this period, it experienced the crash crisis of Nasdaq stock market in the United States in 2000, the terrorist attack of 9 1 1 in the United States, and the financial crisis in 2008. For four years, the dividend was not as expected, but in the insurance policy 17, UK.
The applicant, a male, was insured by Prudential's "Ideal Life" plan from 65438 to 0995. At the time of insurance, he was 35 years old and the insured amount was 50,000 US dollars. Summarizing the historical dividend records of Prudential UK according to the above four most popular insurance plans of Prudential UK (Ideal Life, Juansheng, Better, Times Rich), Prudential UK is the most stable company in the global insurance industry. Prudential's dividend has been far beyond customers' expectations, and its long-term outstanding performance has won universal praise today.
Prudential has the following measures to balance risks:
1. Prudential publicly promises that 90% of the profits from the return on investment will be distributed to dividend policy customers.
2. The investment company on which Prudential Group of the United Kingdom relies for its investment: "Asiana Investment", the largest retail asset management company in Asia, manages investment funds of more than 654.38 billion US dollars (60 billion pounds).
3. Prudential's centennial "slow release mechanism": allocate 270 million pounds of legacy assets, and when the investment market is depressed in the future, use part of it for dividend distribution of insurance policies in Hong Kong, so that the insurance policies can obtain expected returns and the interests of the company and customers are consistent.
4. Prudential is listed in London, Singapore, Hongkong and new york, and is subject to the strictest financial and accounting supervision in four countries and regions.
5. Outstanding historical investment performance. The financial reports of the parent company of Prudential Group (167) in the UK are all open, unique in the world and full of confidence.
6. The ratings of Standard & Poor's and Moody's Investment are ahead of all insurance companies in the world.
7. The capital surplus of UK Prudential IGD is three times the available capital stipulated by the government, with outstanding solvency and leading position. Two: American AIA Case One: Yida Lifelong Guarantee
The following case is a product of AIA Life Insurance, which is a whole life insurance product with dividend distribution function. As time goes on, the value of customers will also increase.
The applicant is a 30-year-old male, with an initial insured amount of USD 654.38+10,000 and a payment of USD 654.38+08. It was purchased in May 2008.
Case 2: Insurance with high interest rate.
The case shown below is a dividend-paying product "High Interest Insurance" launched by AIA ten years ago, which pays dividends every year. Since the dividend was paid in 10, only the second year was worse than expected, but it also reached 99.8%.
The insured is a 30-year-old male who purchased the scheme in 2003, and the payment period is 10 year.
Case 3: Life is full.
The case below is Life of Yuman, which has been sold well by AIA in recent years.
The applicant is a 30-year-old male, who bought on 20 1 1.
Case 4: "Love is carefree"
Aiwuyou is a product with obvious dividend advantage of AIA Life in recent years.
The insured is a 40-year-old male, who bought on 20 10.
Summarizing the above products (Yida life insurance, high-interest insurance, full life and carefree love), it is not difficult to see that in the global financial crisis in 2008, when the economy was in a weak state, AIA's annual dividend and total cash value reached expectations, even exceeded expectations, which shows that its annual dividend distribution and total current price can be achieved very well.
Hong Kong AIA's savings insurance policy can not only steadily increase the value, but also make the factual data as expected in the plan, so that customers can get real asset appreciation!
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.