To develop a view to protect the pay-insurance, insurance companies will help reshape the structure of the business, but also conducive to the insured financial structure to improve, but also to address the high premium "hard to raise money."
The economic downturn led to the decline in the purchasing power of consumers, this issue is reflected not only in buildings, cars, and other consumer goods in kind in the doldrums, also affected the sales of financial products strategy. The high number of insurance products and packages at every turn on the yuan or even hundreds of thousands of dollars of premium, the insured is not common that everyone can easily Chouqi, and therefore also become a way to pay period today with the introduction of insurance products, the purchase of new ideas.
Payment period is to pay the premium, such as the monthly payment, payment on a quarterly or annual fee. In this way can reduce the insured to pay short-term pressure on its cash flow to avoid tension in the long run to increase their purchasing power.
The development of high-risk period to pay into a consensus
Silver through security channels to develop insurance products that pay period, which has become the consensus of various life insurance companies. Some life insurance companies began to introduce new, more humane view of the payment of insurance products, the need to replace the one-time payment of the premium payment products wholesale and at the same time, the companies have spared no effort in promoting the sales. China Life Insurance (601,628, it shares) insurance market, the Bank has introduced the first phase of the non-payment of rates - the "country life to enjoy life insurance co-existence (type dividends)," the relevant person in charge of the media also said that the country life Will be included to develop high-value products, including the 10-year period to pay more than the business-oriented products and personal tradition of decentralized accident insurance to efficiency, security-type dominated pay period. In the not so long ago, China Pacific Insurance (601,601, it shares) are three of its Quarterly Bulletin said that the future will continue to vigorously expand the business to pay dividends dangerous phase, the initiative will enhance the business value of the connotation.
In addition to insurance "giant", there are a number of companies have shown great efforts to develop a view of the business to pay determination: in order to pay has been a breakthrough for the business of insurance in 2008, Xinhua occupy half of the market, in the third quarter and further defined " -Protection, business-oriented view to pay "development strategies; Golden Harvest announced the suspension of the sale of life insurance silver universal insurance products, development of the Bank of security products that pay period in order to maintain our business development.
To some extent, the insurance company's marketing strategy is planning to buy products that insured the "wind vane." Used to purchase products or short-term wholesale payment (one-time fee) products to consumers may be able to comparison between the pros and cons of various types of products in order to further improve their security planning.
Period to pay for insurance business cool silver
It should be noted that, payment is not the way to identify the type and quality of the product logo, a similar product, different companies will be limited or insured by their own choice. Of course, there are some specific types of the corresponding forms of payment such as payment period is more suitable for low-risk traditional life insurance, and paying barge for the general high-risk financial products or short-term insurance products. Since the payment has nothing to do with the nature of the products, the China Insurance Regulatory Commission has repeatedly stressed that in the near future "to develop a view to payment of insurance products," Why?
A life insurance company in Shanghai Bank security manager told reporters that the way to pay greater significance in terms of the number of insurance companies. Since the barges can pay the book seems to surge in premiums, "various insurance companies in the competition, the sprint traffic, is relatively large part of the Bank of security brought about by the wholesale channel to pay premium income"; and although the pay period Sold the same products, on time and pay a commission of the way insurance companies could save a lot of fees, but because of "a longer payment period, of which there may be some risk, and the scale of the show spend more time, Was not likely to lead to the completion of the business indicators, most insurance companies in the insurance business to develop a time when the Bank will pay for wholesale business. " Stressed the wholesale payment is to a large extent, the expansion of the scale.
However, blind pursuit of premium size of the many hidden dangers: Paul Silver fast growth has also stimulated sales of a number of quick success and instant benefits, in order to fight for the volume of business at misleading consumers, and this misleading conduct in the final of the Bank of security "key" - investment Type of insurance on the lip. China Insurance Regulatory Commission issued a warning to the Bank of security "cool" and the return of insurance products to protect the function of the nature of the development of traditional products that pay period.
The source also said that all of a sudden to "reform" into products with a view to pay for the development, the banks may start quite critical, "This has a bearing on access to bank intermediation cost would be reduced." But from another perspective, the long-term product development banks and insurance companies will also co-operation is more stable and long-term, as banks and industry agencies, faith, service, brands such as more responsible point of view to sell insurance Products.
In addition, the person also said that some of the group, all-around of a large financial group may be easier to accept such a transformation, after all, stability and development of a more connotations of the long-term value of the business is conducive to the stability of the group's future development.
Cash flow to pay the tense period optional
For policyholders, this product will be issued if the trend of their insurance, financial planning influential? This reporter has consulted a number of life insurance agents. AIA insurance agent Miss Shen said that before the introduction of general insurance products when there are two forms of payment for customer choice, but the amount of the payment period is often higher than the wholesale payment, taking into account the number of insured is "to buy the same Products, more cost-effective to spend money ", so most people are willing to paid a one-time premium," in the mid-stream to pay for some of the products, there are a lot of benefits, such as could have been saved in the future to continue to pay premiums of trouble, but also for failing to prevent the continued To pay premium for the policy which led to failure and so on. "
But she also pointed out that this option is a misunderstanding that ignores the time the cost of premiums. As most of the period of payment products, a longer payment period, a number of traditional insurance payment period that many have sustained 20 to 30 years, at least five to ten years.
10-year product, for example, if you choose to pay period, will not pay for the time being part of the form of bank deposits or other investments until 10 years later, the money received by the investment income may be substantially more than the insured need to pay more That's part of the cost. In another example, with a wholesale product to pay premium for 10,000 yuan, while premium payment period is 12,000 yuan, "the current 10,000 yuan sure than 10 years later, worth 12,000 yuan, customers can use this time to 10 years to pay The money, pay the 2,000 counted the cost of inflation and time, then it should be cost-effective. "
"If the insured sufficient cash flow for the time being, you can choose to pay wholesale, if it is to buy long-term, period of payment can help customers develop a good habit of saving each month will be invested in insurance, financial management to make more regular and well-planned." Ms. Shen said.
In addition, the insurance-related Xinhua said, as the period of insurance products to pay a very low starting point, some products such as the starting point for an annual investment of only 3,000 yuan, compared with the wholesale product often pay Sanwu Wan Yuan "Pricing starts at" more easily consumption Those who accept, and after the client back to the bank's policy on the comparison, the probability is very low.
The source cited an example of customers, the customers are willing to 200,000 yuan to buy the insured amount should be re-disease risk, but one-time payment of 6800 yuan each year so that premiums do not have any savings habits of customers away. Comparing the end, the customer chose to pay on the way, the monthly payment of 612 yuan, accounting for only its January 4000 revenues of 15%. Although this Suanxia Lai every year to pay 7344 yuan reality, that is, pay more than the 544 yuan premium, but one of the few fixed monthly amount or a vote to resolve the customer's liquidity problem tight.
Tips also have to pay
Many of the payment period is from the bank's sales agent, which some banks are still "service pack" came up with some tricks. In the event of a bank customer come up with recommendations on the part of the maturity of bank deposits, insurance payments for the first time period, then the remaining deposits or Lingcunzhengqu month of the year on a regular basis until after the expiry of the one-year deposits, Held the following year to pay the premium, and so on in the same way, is very convenient to pay, do not have to worry forget to pay premiums and other "small accident."
The election of the appropriate payment deadline will inadvertently save a premium to the insured. For example, in the year to pay the way, the policyholder can choose to pay a 5-year, the 10-year payment, payment for 20 years or 30 years, and other payment methods, different ways to pay the premium end-all different. Hire-purchase and general merchandise, the longer the repayment period, the higher the interest, ultimately paid the higher amount, and payment should be as short as the final input less funds.
The purchase of insurance products to the original, the higher the premium, saved more money. Insured and there is no need to pay in stages in order to take full advantage of the strengths and the extension of payment deadlines. In the choice before the first insurance company may require a different calculation methods to compare premiums, and then make an informed choice.
There is also a way to pay a view of the unique advantages, that is, "a small broad." Either because the payment in the event of a risk, the insured will receive the settlement of claims is the same as if the accident insurance, regardless of the premium paid for several periods, as long as the conditions in line with the provisions of the contract, the insured person Get paid. In particular, is a disease re-insurance to protect such products, the phased payment of this advantage is more obvious.
Customers to the above-mentioned case, for example, the assumption that customers pay after 2 years and five months (re-disease risk in general have a 2-year observation period) took place on the agreed contract diseases, get 200,000 yuan compensation protection. Calculate the costs can be seen as a disease of the month, year-on-year to be paid on the way to pay 3-year premium, which is 6800 × 3 = 20400 yuan, while the monthly payment if it is 612 × 29 = 17748 yuan, with To save more than under the 2652 yuan, and to pay wholesale, expenditures for the 6800 × 20 = 13.6 million.
As a result, if the difference between the premium within sustainable limits, the policyholder may wish to consider, in the traditional security products to buy time to choose a longer payment period a year with less input will be possible in major economic loss Risk transfer to the insurance company to bear.
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