"Vote will be" even for risk insurance dividends

It is learned that the insurance companies in Shanghai are now actively preparing for the 3-year to more than 10-year period of payment products, for the period of payment products have also increased marketing efforts. For high-risk part of the company's financial-insurance products, regulatory or will be ordered to stop selling or marketing restrictions.

For investors right now, a number of insurance products through the purchase payment period may be more prominent and to protect their financial value.

Period to pay for even the risk:

Bargain buy, buy fewer temper

Analysts have pointed out that China has entered the channel to cut interest rates, investment in the development of difficult-insurance also increased significantly. To make matters worse in October this year, the risk even for large-scale storm surrender, so that the insurance almost total loss of popularity. It is learned that now in Beijing and Shanghai, even for insurance from banks across the board on the counter shelves.

It can be said that the capital market downturn and lack of investor confidence led to poor sales of investment products, and these products due to the short duration of protection, security features, such as the weaker of the reasons, if they make a bad investment income would loss of competitive advantage.

For these reasons, insurance experts point out that even for the purchase of insurance can choose to vote in even-payment period to avoid the risk of danger. Period to pay for the purchase of insurance even similar to the fund is scheduled to vote, investors will be phased through the capital investment account, a "bargain buy, buy less temper," the investment principles of operation, to a certain extent, to avoid market risks. In the current market uncertainty, investors may consider "vote will be" buying period for payment even dangerous, but must adhere to the concept of long-term investment.

Such products have now begun to launch some of the insurance companies, as the period of payment products, the "threshold" has not paid in the mid-stream products, do not have a large number of idle funds of the insured can be properly recognized.

Through the period of payment for the purchase and wholesale insurance even to pay the same as the delivery of premium in accordance with the insurance contract is divided into two parts: as part of the premiums into the insurance account; another part of the investment into account, that is, in accordance with the agreement to entrust the management fee Insurance companies to invest in the operation, the investors through the investment account the net proceeds to achieve growth.

Period of insurance to pay dividends:

Pay a short period to ensure a long period

Period to pay dividends as a risk-sharing, security for one of the investment tool, although not a complete security features, but in China is still a more popular way of long-term financial security.

Some of the recent launch of a new period of payment of dividends to break the traditional products, products period to pay fees over a long period, with a view to pay the same period of insurance "practices" with insurance will pay period of separation period, greatly reducing the payment period. Some products such as the payment period of only three to five years, but the insurance period can be up to 10, 20 and 30 years. According to the policy holders can choose to fit their own circumstances of the payment deadline, to achieve stability in expenditures.

In addition, some of the period of dividend-paying insurance co-existence in the survival of receiving payment, often the insurance payment period and the longer the period, the higher the return. General insurance companies will be combined with on a regular basis to improve the distribution of the dividend income or the value of insurance policies, which require high security and stability in the return of the insured may be concerned about. But it must be noted that the "dividend" is not a guarantee of the general insurance companies was to look at the overall return on investment and operating status of the banks will not promise earnings, insurance proceeds are not committed.

In addition, there is also a senior insurance experts remind consumers, although the domestic market share of high-risk dividends, buy a lot of numbers, but in fact most of the savings dividend is still dangerous nature of such insurance to provide insurance protection is still very low. Many of the insurance products of developing its eyes only "sell" does not mean that true for the insurance needs of ordinary people. If the insured value is not the so-called "dividends", or as much as possible to choose life insurance, health insurance, and other traditional products.