Each method is different, not only the financial benefits are high or low, but also the risks it has are different. In this regard, the next sister will briefly analyze the financial management methods of insurance products with you.
If a friend doesn't know much about insurance, it's better to read this popular science article prepared by senior sister!
Super full! Everything you want to know about insurance is here.
At present, the common financial insurance in the market mainly includes annuity insurance, increased whole life insurance, universal insurance and so on. From the security point of view, the performance of the three is very good.
Secondly, from the perspective of income level, all three types of products can achieve capital preservation. Among them, different from stock and other financial management methods, annuity insurance and incremental whole life insurance have average income, while universal insurance will at least have a fixed guaranteed income.
Moreover, these three types of insurance products are not suitable for different groups of people, and annuity insurance is more suitable for people with long-term plans such as personal pension or children's education. If the amount of insurance in whole life insurance is increased, it is relatively suitable for people who want to plan their pensions in advance or have asset planning needs; Finally, universal insurance is suitable for those who have spare money to manage their finances and increase their income.
If you are interested in financial insurance, take whole life insurance as an example, don't miss this article: Holy whole life insurance, who can manage money and who can guarantee it? Is it worth starting with?
As can be seen from the above, financial insurance is actually similar to stocks or funds, all of which are aimed at making money. At the same time, I also know that not everyone is suitable for buying financial insurance. If you want to buy financial insurance, I suggest you know the following two points:
1. Follow the principle of "safety first, then financial management". Health is the capital of everything. First of all, we should configure our own security insurance, and then consider financial insurance when we have spare money.
2. Choose as needed, don't blindly follow suit! Because the products suitable for others may not be suitable for yourself, you should know what your insurance needs are before you apply for insurance, so that you can sit in the right place.
At the end of the article, for the small partners who want to apply for financial insurance, you can poke this article: Top ten financial insurance ▏ Want to buy high-yield financial insurance? Don't miss this 10 model again!
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