What are the advantages of participating pension insurance? Dividend-sharing endowment insurance is suitable for people.
What are the advantages of participating pension insurance? Dividend-sharing endowment insurance is suitable for people.
When people reach middle age, they can consider buying a pension to protect their old age. If you have savings on hand and want to use them for conservative financial management, then dividend-paying pension insurance is your best choice. In this way, when you get old, you can get a pension and a dividend, killing two birds with one stone. So what is the meaning of dividend-paying endowment insurance and what are its characteristics?
Dividend-based endowment insurance refers to endowment insurance with dividend function, which is a kind of commercial endowment insurance. Dividend-based pension insurance is a product with strong ability to prevent interest rate fluctuation and resist inflation under the background of interest rate fluctuation and inflation, and it is an effective supplementary product of pension. This product will set up a guaranteed personal account for you, and if the insurance company is profitable, it will take out some money to pay dividends, so that the insured can enjoy the operating results of the insurance company. Dividend-based endowment insurance is characterized by stability, safety, non-misappropriation and guaranteed collection.
Dividend-sharing pension insurance usually has a guaranteed predetermined interest rate, but this interest rate is slightly lower than that of traditional pension insurance, generally only 1.5%-2.0%. But in addition to the predetermined interest rate, there are still uncertain dividend benefits to be obtained.
Let's talk about the advantages and disadvantages of dividend-paying endowment insurance and the people suitable for purchase.
Advantages:
Income is linked to the operating performance of insurance companies, which can resist certain inflation and make pensions relatively preserve and increase in value; Pensions are certain, safe and earmarked.
Disadvantages:
Dividends are uncertain, and losses may be incurred due to poor operating performance of the company. Customers can refer to the actual dividend data of the company in the past few years when purchasing.
Suitable for people:
For those who are relatively conservative in financial management and unwilling to take risks, it is recommended that middle-aged people with certain savings choose such products. In addition, for some businessmen, they can choose to pay a short-term fee to buy this product when they have sufficient funds at hand, so as to avoid the unstable operation in the future affecting the quality of life in their later years.
Dividend-based pension insurance can increase the income of the insured, but the rate of dividend-based insurance is relatively high, and the dividend is uncertain, which is suitable for people with financial needs. It is worth noting that the earlier you receive the pension, the higher the rate, and the lower the return on investment of dividend-paying pension insurance. If you want to buy old-age insurance, conservative financial management, dividend-paying old-age insurance is your best choice.
Extended reading
In the end, the planning of financial insurance is reasonable.
In today's society, everyone is very interested in financial management, such as funds, stocks, p2p, financial insurance products and so on. Many people don't do product analysis. When they hear that the interest rate is high, they buy it at buy buy.
Finally, I found myself regretting, feeling cheated and buying the wrong product. The important thing is that the interest is not high, I didn't go to the hospital for reimbursement, and there is no guarantee function.
First of all, to understand financial insurance, we must first look at what types?
It will be returned after payment every year. Its main functions are: compulsory savings, earmarking and asset inheritance.
For example, pay for five years, and then receive a fixed survival allowance every year. If you don't receive the survival money, you can also transfer to the universal insurance account for secondary appreciation. After several decades, the balance of the universal insurance account has been increasing, even exceeding the cash value of the main insurance account. This is also one of the most common financial insurance.
Return at a specific age every year. Its main functions are: compulsory savings and interruption of education expenditure in case of accidents.
Not immediately after payment, but at a certain age. Such as education insurance. The profitability and liquidity of such products are weak, so it is recommended to tailor them according to the individual's investment period. The smaller the children, the lower the input cost.
Final return, main functions: reasonable tax avoidance, wealth management and value-added.
Whole life insurance is subdivided into "universal type" or "dividend type". If the insured dies before the age of 100, the insurance company will pay the corresponding insurance money. If the insured survives to the age of 100, he will get insurance money.
The reason why there is discussion about the advantages and disadvantages of wealth management insurance is mainly because most people think that wealth management insurance has low income, and once it is surrendered in the early stage, it can't get much money back, and the income is complicated and complicated to calculate, which is not as clear as the fixed income of bank wealth management products, so it is difficult for ordinary people to calculate it at once.
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Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.