Universal insurance rates as low as 3.65 percent investment-type insurance Shaorenwenjin

Even voted down the stock market risk because of his despair, and universal insurance because the bank lowered interest rates and reduced settlement. Reporters learned that universal insurance companies clearing interest rates have been lowered in the near future. Insiders pointed out that with the rate cut into the cycle, insurance products, financial management functions could be gradually diluted, which may be an insurance product to protect the reunification of the time.

Reporters from some of the Beijing Bank and Insurance sales channels that, and the hot sales of last year compared with the stock market linked to the risk even for the current Shaorenwenjin, faced with the basic framework under the circumstances. And a certain insurance proceeds at the end of universal insurance is not optimistic. A few days ago, no matter what kind of feedback channels are insured shown a declining trend. This universal insurance and lower interest rates have a direct bearing on the settlement. Insurance recently announced that universal insurance billing rates fell across the board, from some of the main universal insurance companies in the first half of the peak at about 6% to the present 4-5 percent, the lowest only 3.65 percent. The fourth quarter continued universal insurance billing rates downward trend is quite obvious.

The overall insurance company investment income decreased universal insurance settlement is the main reason for decline in interest rates. After the three-year time deposit rate cut in interest rates remained at the adjusted 5.13 percent, while the five-year time deposit interest rates by 5.56 percent but rose to 5.58 percent, medium and long-term time deposit rate is actually far lower, so life insurance policies in force The cost of capital has not been effectively ease the pressure. As a matter of fact of life insurance companies are now faced with the dilemma, on the one hand, the insurance companies to ensure their own profit space, will not be able to guarantee universal insurance settlement to keep interest rates at a higher level; On the other hand, in order to guarantee universal insurance market And bring attractive premium inflows and settlement will have to maintain interest rates at a level above.

"Universal insurance than the high bank interest is not much ah?" In the face of a consumer promotion of universal insurance agent to show they are not. At present, the shedding of the high interest rates lure of universal insurance is attractive to some consumers lost. Experts said the industry is expected in the future, universal insurance settlement of the interest rate will not be larger decline, but in the short term interest rates may have settled down slightly, the experts said that universal insurance only to protect ring, which may be the insurance Emphasis on financial management functions of the strange phenomenon back to the primitive security and guide policy holders for a more rational choice.

Tips

Is not a panacea for all risk

Universal insurance are more suitable for high-income people to buy short-term investors, the lower the income level of families and the elderly are not a panacea for the purchase of insurance. Universal is a strong risk investment insurance, investment in the first 3-5 years, the actual earnings are not satisfactory. As a result, experts recommend: First of all, omnipotent risk investors continued to have a stable income; Second, the family did not have surplus funds and other investment intentions; Third, the income of medium and long-term returns are prepared.