Two. Matters needing attention in purchasing investment-linked insurance include dividend insurance, investment-linked insurance and universal insurance. The dividends and benefits of these products are uncertain. Hebei Insurance Industry Association reminds you of the risks and characteristics of investment insurance.
1, dividend insurance. Dividend insurance is a life insurance product with three functions: risk protection, savings and investment, with a long insurance period. When buying, it should be noted that the demo bonus of the salesperson in the sales process is not a guaranteed bonus. The actual dividend level is determined by the actual operating conditions of the company. Read the product manual of dividend insurance carefully, and fully understand the nature and characteristics of the product, the insurance company's regulations on product expense rate, dividends and dividend distribution methods, the risks borne by the insured, and the issue of surrender. Dividend insurance is a long-term investment method. In the early stage of insurance, the cost is high, the expenses are large and the dividends are small. After that, with the sharp drop of product expenses, the accumulated cash value accelerated and dividends gradually increased, and its investment function took a long time to reflect. Therefore, after purchasing dividend insurance, customers should avoid surrendering as much as possible, otherwise it will cause greater losses than surrendering without dividend insurance.
2. Investment linked insurance. Such products do not promise investment return, and all investment gains and losses are borne by customers. Suitable for the insured who pursues high return on assets and has high risk-taking ability. Insurance companies that provide investment-linked insurance publish the unit value of investment accounts in the public media at least once a month. The insured can pay attention to reading and master the changes in the value of the investment unit. Focus on understanding the relationship between the investment income of this kind of products and the investment account, the situation of the investment account, various fees charged to the investment account, the main risks faced by the investment account, the fees to be deducted by the insurance company when the insured surrenders, and the share that the insured should return.
3. Universal insurance. This kind of insurance is a comprehensive life insurance product with insurance guarantee function and certain asset value in at least one investment account. Consumers should fully understand the guaranteed interest rate (guaranteed interest rate), expense deduction, risk premium deduction, death insurance and policy value changes of universal products. After purchasing universal insurance products, consumers should also pay attention to their own policy status and pay premiums in time to avoid affecting the effectiveness of the contract due to insufficient cash value of the policy. Universal insurance has the function of adding premium when the insured amount exceeds a certain amount. After adding enough premium, you don't need to pay for the next few years or even for life.