Not long ago, the tune of Beijing, Chongqing, Guangzhou and Nanjing was recorded, and the tune of middle-aged people in Beijing made everyone sigh: It's really difficult. The fashion in Chongqing and Guangzhou revolves around eating a word, from morning till night; Nanjing's current tune is all kinds of learning; The popular tune in Beijing is to show the hard work and bitterness of a middle-aged person, which is simply the extreme operation of migrant workers: the daily commute is at least 5 kilometers, and I feel anxious and busy from Shunyi District to work in Haidian District. On the days when I don't have to travel, I have to go to the supermarket to buy food after work, and I have to study diligently until late at night in order to be admitted to graduate school. In addition to studying, children will also be sent to early education classes. If you catch up with a business trip, no matter how nervous you are about reviewing, you can only go for work. Unexpectedly, with such a check, the nucleic acid was found to be positive. In this way, we can only give up the hard-earned postgraduate entrance examination.

According to the Survey of Good Life in China, a financial outlet of CCTV, the report found that the middle-aged people aged 36-45 are the hardest. They are in the struggle period of their lives, striving for promotion and salary increase, and making a big screen for their families' good life. As for leisure time, they have the least. In this era of great pressure, middle-aged people are under the pressure of mortgage, car loan and child loan, and live a life that they dare not get sick and take time off.

While struggling, they also hope to bring some extra income to their families through "after-sleep income". Asset management association of china released the "Report on the National Survey of Investors in Public Offering of Fund". In the past three years, middle-aged people aged 3-45 have mainly invested, accounting for 42.1%; After 9, investors followed closely, and their investment enthusiasm was enthusiastic, reaching 34.2%; Investors over 45 years old accounted for 23.7%.

although investment can bring some benefits, it is also very important for many middle-aged people to have certain protection. According to the survey of Portrait of Middle-aged Men with Insurance, 2.57 million middle-aged men have certain plans for personal and family security. In particular, men aged 4 -49 and 5 -59 have bought medical insurance and life insurance, and the older they are, the more people buy them. During the interview, we can see that as the interviewees grow older, they need a stable guarantee.

if there is a product that can not only provide a guarantee for life, but also get a certain return on investment, it will be the best of both worlds. Many people think of investment-linked insurance. Today, let's talk about investment-linked insurance:

1. What is investment-linked insurance?

2. Who is suitable for buying?

3. What are the insurance techniques?

4. How should I choose a suitable investment-linked insurance?

1. What is investment-linked insurance?

Investment-linked insurance is essentially variable life insurance, which is a whole life insurance product. It is characterized by death insurance and its variable cash value, which has both protection and investment functions. Investment-linked insurance is mainly for the insured's insurance liability such as disability, death, survival insurance payment, etc. in case of accidental death or other diseases agreed in the contract, and some of them are exempt from insurance premiums and major diseases.

In addition, in terms of investment, there are several accounts, including guaranteed income account, fund account, development account, etc. Each account has a different income combination, corresponding to different investment risks. It is worth noting that the investment account does not necessarily have a return on investment, and there is no guarantee that the principal will not be affected. All investment gains and losses are borne by the insured.

second, what are the specific functions of investment-linked insurance?

Investment-linked insurance divides the insured's premium into two parts, one is protection and the other is investment, which are independent of each other.

1. Guarantee function

The scope and degree of investment-linked insurance protection vary with specific products. In addition to the above, some types of insurance can provide protection such as death, accident and total disability insurance, and other additional insurance can be selected. It is worth noting that if you choose the insurable option, you can take out more insurances within the allowable range after the policy takes effect, and you don't need to have a medical examination; Except that you can choose the insurable option.

2. Investment function

Investment-linked insurance can't have both insurance function and investment function. However, because the return is not fixed, there are uncertainties and risks in the return on future investment. Investment is not just looking for someone to invest, but looking for investment experts from insurance companies to operate. Because the fixed interest rate of the policy is cancelled, the investment strategy is relatively positive. Generally speaking, we will invest in government bonds, corporate bonds, funds and other channels. Generally speaking, the investment income needs to be deducted from the management fee, and the rest belongs to the customer. If the return on investment is good, the investment will get a higher return accordingly; If the return on investment is not ideal, this requires the insured to bear the risk himself. Investment-linked insurance is very transparent in the collection of fees, and the insured can actually check the deduction and account status on the computer or mobile phone.

3. What kind of people is investment-linked insurance suitable for?

through investment-linked insurance, the insured has the opportunity to obtain high returns, but high returns are also accompanied by certain investment risks and losses. Therefore, investment-linked insurance is more suitable for people whose economic level reaches a certain income stage, and they can devote part of their funds to investment; In addition, these people have a certain judgment on the capital market, and they hope to pursue high returns, take high risks and have a rational investment concept. Simply put, investment-linked insurance is more suitable for people above the middle class who can bear certain risk pressures.

fourth, how to choose link insurance?

1. Look at investment ability

Investment linked insurance mainly depends on the investment ability of insurance companies. At this time, the most important thing is to refer to past investment performance. Want to refer to the past performance, you can look at the monthly report of the account published by the insurance company, and you can go to official website to inquire about the income of this linked insurance. In addition to comparing the past performance ability, we can also look at the analysis report of investment-linked insurance issued by brokers. Generally speaking, we will give a comparison of various investment-linked insurance accounts.

2. Look at whether the account is stable

Besides the investment account, we should also look at whether the monetary account can generate stable income, preferably the one that has maintained positive growth in the past. In addition to looking at currency accounts, we should also look at risk accounts to check their anti-risk ability and profitability to see if they can outperform the broader market. Simply put, if this investment-linked insurance can rank higher among similar products, then overall, the profitability of this account is relatively strong and can be considered.

5. What else should I pay attention to when applying for investment-linked insurance?

When applying for investment-linked insurance, you should also pay attention to the following points:

First of all, investment-linked insurance has no fixed income, even if it is a monetary account, the income is not guaranteed. Be sure to make it clear that it may bring losses.

In addition, because the investment-linked insurance is more focused on investment and the protection category is relatively weak, we should pay attention to whether the protection meets our own needs in terms of accidents, medical care and other protection.

in addition, the investment-linked insurance needs to pay a certain management fee. If you only invest for a short time, you should consider whether the income can cover these expenses.

finally, be sure to know your final demand for this money. Before purchasing, you should have a clear understanding of the redemption conditions, risk size, hesitation period and premium of the investment-linked insurance, and also be clear about your risk tolerance, so as to choose a suitable investment-linked insurance. In case it is found inappropriate after insurance, it is easy to generate risks caused by surrender.

VI. Write at the end

When choosing investment-linked insurance, it is important to take into account the risks generated when premiums are allocated to different accounts. At the same time, we should also pay attention to the asset management fees, handling fees, policy management fees, etc., and don't blindly choose to avoid unnecessary losses. If you are still confused and don't know how to choose linked insurance, you can consult a professional and excellent insurance broker. Because professional insurance brokers will comprehensively evaluate and tailor the plan according to your problems and needs, Baibaojun has a professional and powerful insurance team to match you with the exclusive consultant who is most suitable for you, and search Baidu for "Baibaojun" to provide you with more professional insurance.