Stock dividend insurance virtual currency

1.

Let's start with dividends and cash value
dividends are uncertain
the salesman may brag about his previous performance in front of you, but that doesn't mean anything. According to the relevant regulations, dividends are related to the operating performance of insurance companies, and they are distributed in a certain proportion of the performance of each accounting year, but the operating performance is uncertain, so the dividends are uncertain and cannot be calculated now
I bought a share of bonus insurance in 2007. In 2007 (with better economic development), I paid more than 14000 dividends per 10000, but in 2008 (with financial crisis), I only paid less than 100 dividends per 10000

the cash value simply means the value of the insurance contract after a certain year (usually 2 years), that is, the money you can get when you surrender or mature. It is stated in the general insurance contract
if you buy a red envelope insurance, the monetary income you can get is the cash value (generally less than the interest plus principal of the bank in the same period, what else can the bank do?) And dividends. Because dividends are uncertain, it's impossible to compare how much you can get
but we can't compare them directly, because we are buying insurance, selling things and buying a guarantee after all. Also, buying insurance is not a deposit. If you withdraw insurance halfway, you will lose a lot, so please make a careful decision according to your own economic situation

How to buy insurance, which is better, hand in hand to teach you to avoid these "pits" of insurance

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3.

The differences among investment linked insurance, universal insurance and dividend insurance are as follows:

1. There are different separate accounts: there is no separate investment account for dividend insurance, and the annual dividend is uncertain; Investment linked insurance has several different investment accounts, customers can choose freely, may enjoy a higher return, but also need to bear certain risks; Universal insurance has a separate investment account and the function of minimum interest rate

There are different ways of income distribution: the dividend insurance distributes 70% of the distributable surplus of the dividend insurance to customers by increasing the insured amount and receiving cash directly, and the dividend yield of the dividend insurance is uncertain; Universal insurance provides monthly settlement rate and annual guaranteed yield for investors

investment linked insurance has no guaranteed return, which completely depends on the investment return. In contrast, the profits and losses of investment linked insurance are borne by the customers themselves, and the risk is the biggest, but the investment return may also be the highest

3. The dividend of dividend insurance comes from the income of three difference (interest rate difference, death difference and fee difference), while the profits of investment linked insurance and universal insurance come from the investment income

4. Both universal insurance and investment linked insurance have the characteristics of flexible payment, adjustable amount of insurance and convenient collection of policy value. However, the payment time and amount of dividend insurance are fixed, and the flexibility is poor

The transparency was different. The operation of the bonus insurance fund does not explain to the customer, and the insurance company only informs the policyholder of the bonus amount of the policy in writing on the anniversary of each insurance contract, so the transparency is low

the operation of investment in investment linked insurance is transparent, the charging proportion of various fees is itemized, the structure, purpose and price of premium are listed uniformly, the price of investment unit is announced to customers at least once a month, and customers will receive annual reports every year, which is highly transparent. Now the insurance companies have announced it one day; Universal insurance will publish its return on investment monthly or quarterly

The investment channels are different. The main difference between universal insurance and investment linked insurance is that the former has the minimum income, while the latter is the floating profit and loss. According to the "Interim Measures for the administration of stock investment of insurance institutional investors" issued by CIRC in December 2005, the investment account established by insurance institutional investors for investment linked insurance can be 100% of the total investment in stocks

for the investment account set up by universal insurance, the proportion of investment in stocks shall not exceed 80%

extended information:

1. The characteristics of continuous investment insurance:

(1) continuous investment insurance emphasizes the investment function of customers' funds

(2) investment linked procts can contain multiple investment accounts of different types (according to the classification of investment objects) for customers to choose, and after customers purchase, the funds will directly enter the investment account they choose

(3) the investment linked procts can also provide personal risk protection function for customers, and the protection responsibility can be more or less. The expenses incurred by customers in purchasing the protection and the management fees charged by other investment linked procts to customers are dected from the customers' investment accounts on a regular basis

(4) similar to stocks and funds, the assets in the investment linked account are composed of several investment units with clear pricing, and the capital return is reflected in the increase of unit price

(5) the customer enjoys all the capital income in the investment linked account, the insurance company does not participate in any income distribution but only charges the corresponding management fees, and the customer should bear the corresponding investment risk

2. Characteristics of universal insurance:

(1) payment freedom

compared with traditional life insurance, universal insurance payment is basically not mandatory. After paying the initial minimum premium, they have the right to make additional investment. In the following years, customers can make additional investment at any time according to their income; As long as the policy account is sufficient to cover the cost of the policy, customers can even suspend premium payment

(2) cost transparency

compared with other types of insurance, the cost of universal life insurance is very transparent, and the proportion of premium dected from initial cost, security cost and investment account has been clearly stated. Insurance companies settle the value of policy accounts every month (some quarterly) and announce the settlement interest rate of that month (current quarter)

(3) the premium of guaranteed income after decting expenses and security costs is entered into a separate account, which is used for investment. Universal insurance promises to give customers about 2.5% of the guaranteed income every year within five years. Its biggest feature is that besides the guaranteed interest rate (1.75% - 2.5%), the income higher than the guaranteed interest rate will be shared by insurance companies and investors in a certain proportion

Of course, the guaranteed income of each company is not the same, and the final income depends on the fund utilization level and comprehensive management ability of the insurance company. It is worth noting that the guaranteed income of universal insurance is not the rate of return of all the premiums, but the part of the premium after decting the expenses and protection costs into a separate account

4. These are the pitfalls of the bonus insurance: < br > 1. The bonus of the bonus insurance has a "minimum guarantee" < br > the bonus of the bonus insurance comes from the surplus generated when the actual operation of the insurance company is better than expected, that is to say, the bonus of the bonus insurance changes with the company's operating conditions. If the company's operation is not good, there will even be zero dividend. Therefore, there is no "minimum guarantee" theory in dividend insurance< Relevant experts pointed out that the key to the profitability of dividend insurance is the sustainable profitability of each life insurance company. Some companies exaggerate their historical performance to show high dividend yield, which is tantamount to misleading consumers< There is no so-called "double tax exemption" in dividend insurance. In China, people take their own money to buy insurance. The money itself is after tax income, so there is no problem of tax exemption. Moreover, the dividend income of dividend insurance is not taxed, and it is not comparable with the interest tax of bank deposit< Br > < br > in today's inflationary social environment, investment dividend insurance is the best choice for capital preservation and value-added. Dividend insurance can resist inflation and obtain good returns. It is the most stable insurance with both protection and benefits. But now the insurance contract and terms are completely made by the insurance company itself, which is a typical format contract. Therefore, the choice of insurance to be cautious, without analysis, blind insurance, the ultimate loss or indivials< In fact, dad doesn't recommend you to buy financial insurance. Here are the reasons: why don't I recommend you to buy financial insurance? < br > you can consult dad insurance when you buy bonus insurance. Dad insurance is a third-party security consulting platform. It will choose the most suitable annuity insurance for users from a consumer's point of view. From then on, you won't be afraid to fall into the trap when you buy insurance< br>