2024年2月17日发(作者：)

保险保障如何与理财相结合

At present, on the market a lot of insurance products had a

"financial" brand, many consumers want to have basic security

a little confused: marketing staff of some type of life

insurance, some recommended dividend recommended investment

linked insurance, some recommend universal insurance, what

kind of insurance for yourself?

Ms. Meng, who worked in a financial media business, ran into

such a problem: she wanted to buy a major illness insurance for

her 23 year old son, but did not know what to buy when she

contacted a few marketing staff. Let her doubt is: whether to

buy pure guarantee products, or buy products with bonus?

Consumer oriented insurance type and can return to this type

of insurance, and how to choose? Dividends in the end reliable?

How do insurance and financial management work together?

With these questions, this reporter interviewed the Great Wall

insurance Beijing branch of the multi Marketing Manager Mu

Xingguo.

Financial management type insurance what are the

characteristics of the host: experts please brief introduction

of financial insurance features.

Mu Xingguo: at present, the market financial insurance major

can be divided into the following categories: investment

insurance, universal insurance, dividends insurance, pension

insurance, and the combination of insurance and so on, most

insurance is single (one-time fee) and Futures Exchange

(installment options). The characteristics of these mainstream

financial management insurance are different.

First of all, the investment linked insurance, the scope of its

risks and benefits than other types of financial insurance to

be broad, that is, access to relatively high income

opportunities, but also face risk of loss. Because the

investment channel is mainly of various types of funds and bonds,

there is also the risk even likened the "fund" as the name

suggests, its dependence on the fund market, as the dependence

of the fund on the stock market, if the good long-term

investment market, investment linked insurance proceeds will

be beyond other financial insurance; conversely, the two digit

loss ratio also have occurred. Because the investment linked

insurance is more emphasis on investment, the security aspect

is not prominent, but the additional insurance can be adopted

to solve the security problem. It can be said that bond

insurance is more suitable for a certain fund and stock

investment experience, strong risk tolerance of middle-aged

and middle-aged customers, long-term and long-term investment.

Universal life insurance, literally the "universal" word also

can see its outstanding financial function, universal

insurance currently has a guaranteed income, the maximum can

reach 2.5%, if not paid in advance or surrender, not to bring

the loss of customers, good safety. How about universal

insurance benefits? According to regulatory requirements,

participating insurance universal insurance and investment

direction and the ratio of investment funds has provided

relatively stable income in recent years, according to the

universal insurance settlement rate market average, annual

yield of around 4%, but due to universal insurance interest,

for long-term holders of the universal insurance account

customers are more cost-effective. Because it is published

monthly billing rates, in the interest rate cycle has more

advantages, we can solve the customer to save trouble, so the

universal insurance interest rose up with space and prevent the

long-term zero interest rate guaranteed two outstanding

functions of life. Because universal insurance for more life

insurance, holding a long time, and some insurance companies

will continue to have an additional bonus products. So choosing

a good universal insurance can benefit you for a lifetime. In

short, universal insurance income is good, the security

function is acceptable, and withdrawal time is more flexible,

and the account function rich, such as tax, estate planning,

avoid debt, financial insurance should be a broad audience.

Dividend insurance, generally speaking, there is a certain

period of time, a certain minimum interest rate, and then bonus

income. As a participating insurance dividends annually,

basically volatility is relatively small, as long as the

deposit expire customer not only win loss, customers need to

have a good pay and receive the maturity matches their needs

is the key. In general, the final benefit of dividend insurance

should be on a market average. Dividend insurance is more

suitable for mandatory savings goals, for the elderly or

children's education, and do not want to pay their annual

pressure too much customers.

Pay dividends basically time is relatively short of 5 years,

10 years of products suitable for a regular customer. For

customers participating insurance is very wide, many old

customers love pay dividends, because time is short, good

safety, and the death benefit is relatively high in some other

financial insurance.

Pension insurance is relatively more secure, more targeted,

because the goal is the old-age pension insurance, mainly for

customers in the future after retirement from the beginning

when brought hope, how much money each time back, for several

aspects of frequency planning. Then combined with additional

risk aversion, serious illness, accidents and other risks, to

help customers in retirement after a comfortable old age.

Heavy financial or protection?

Moderator: financial management of the insurance function,

focusing on financial or insurance?

Mu Xingguo: it can be said that the majority of financial type

insurance function is focused on financial management, income

and functional categories of such insurance cited, but also the

majority of customers buy such insurance important

considerations. Although many financial type insurance with

death, accidents or traffic accidents such as public security,

even through additional insurance cheaper to compensate for the

lack of serious illness as a guarantee, but the maximum amount

of co.. The pure protection insurance such as critical illness

insurance, health insurance, accident insurance should be more

targeted some. This can only be determined according to the

customer's own needs, which is more suitable.

Moderator: customers in the choice of insurance, if you want

to take into account the two words, which issues need to pay

attention to?

Mu Xingguo: from the choice of insurance products, there is a

simple way to remember "9" function - income, security,

flexibility. If an insurance product can take into account the

above, you feel good, that is a good product. The specific point

of view: return, the prerequisite is to ensure the safety of

principal, if you buy insurance have a loss, it is better to

buy the stock fund and the game well, why some customers will

loss, many are not planning their own insurance coverage and

payment period and guarantee period. In addition, as long as

the income than deposit, buy treasury bonds or some short-term

financial products, earnings slightly higher. Security must be

considered, as a type of financial insurance than other banking

products have absolute advantage in this place, the general

additional risks need to pay extra, but the price is relatively

cheaper to buy directly the main subject. For example, there

is a "the Great Wall" golden Fuli universal insurance products

have 10 times the public security and traffic accident account

108% of the value of the death benefit, some people may feel

not what, but if before the Air France crash, passengers do the

financial insurance, do not need too much, as long as 200

thousand yuan. The insurance company will pay 2 million yuan

+1.6 yuan, and the return of the principal amount of 200

thousand yuan or more account value. Also, if a 65 year old

before the product is 1 million yuan, even in the future is also

disease death, payment of at least 8%, this is where other

financial products do not have. This is mainly on account of

flexibility, if the customer is really urgent need money

urgently, how to do to break the original financial planning?

Or what about the better mid - and short-term investment

opportunities? I also give policy loans, "the Great Wall" the

gold Fuli products as an example, 1 million yuan can borrow 800

thousand yuan out of use, currently only 5% year loan interest

rate, interest 40 thousand yuan also can borrow, you can cycle.

The insurance company will be in accordance with the general

account of your initial investment after the cumulative value

to your interest, basically according to the published average

settlement rate above 4% to count the money equivalent to white,

then see whether the customer has a better investment

opportunities, as long as more than the interest rate and

settlement to ensure the safety of the situation customer can

borrow the flexibility to create more revenue. This is the

choice of product function, the need to consider, because the

same type of insurance products are basically consistent with

the direction of investment, excluding companies in risk

investment products that a slightly different levels,

basically income convergence. Therefore, the function of a

product is very necessary,

It will be a lot of personalized expression.

Also remind you, many customers buy financial insurance easily

fall into the wrong area: that the shorter payment period, the

better, the sooner the better to receive the gold. If the

customer is 1 to 3 years to the existing financial capital into

a consumer, it is easy not to buy financial insurance, because

you are more suitable for 1 to 3 year period of short-term bank

financing and ordinary deposit products, the realization of

easy. Although a lot of clients without clear future

consumption goals, but also hope that 5 years will be able to

terminate the contract, that short term is more secure; in fact,

insurance and financial products have only 5 years after the

withdrawal of charge, have a long period of use is more

favorable to account for customers.

What type of financial insurance is suitable for the host? What

are the demand groups for financial insurance? What are the

different priorities for each group?

Mu Xingguo: this kind of crowd is centered more between 28 years

old to 55 years old. The first category is the largest

proportion, those who do not have rich experience in direct

investment work, no time and assets have not yet reached the

state of financial freedom, if you allow this kind of customer

risk tolerance, can configure some investment risk even larger

correlation degree. In addition, the steady income balance and

powerful universal insurance is its first choice, the type of

dividend insurance is also very suitable. The second category

is investment experience, but want to reduce investment risk

through diversification of the middle class, they are more

willing to participate in high risk investment, but considering

the risk diversification and pension planning, universal

insurance, dividends insurance, annuity insurance can be used

as its key configuration. There is a class of wealthy people,

they choose financial insurance products not only for the value

of income is higher than a little tempted, they should focus

on the choice of financial products can help the future, estate

planning. Finally, some of the more than 55 years a customer

suggestions, they have the same insurance demand, but the age

after the financial go a little late, you can buy some period

of about 5 years of insurance, or children as the insured to

indirect financing.

Moderator: Ms. Meng son buy critical illness insurance problems

should be considered from several aspects of what?

Mu Xingguo: first of all, from the consumer or the return would

have to do the same amount of choice, the consumption of the

type of insurance premiums low, the return of premium slightly

higher, but considering that his son was only 23 years old, if

the vote is the first insurance coverage did not need very high,

because people in this age is the mainstay of the family income.

Consumption and responsibility is not, in the biggest stage.

If the condition allows for a return of the type of

participating insurance, and through additional security types

of large and critical illness insurance or cost-effective

specific major disease insurance can solve the financial

security at the same time shooting two birds with one stone.

Payment period is best controlled in 10 years, the insured

amount of 100 thousand yuan to 200 thousand yuan optional, the

insurance period from 20 to 30 years to choose. Ms. Meng also

because the age of reckoning should be around 45 years old, 10

years can be dispersed payment payment pressure, 10 years later,

Ms. Meng is basic to the retirement age, can choose to receive

the insurance dividends or guaranteed income increase their

pensions, for the quality of life on his. When his son was 33

years old, should marry and settle down, also entered the

business growth period, this time it is necessary according to

the actual situation of their purchase more insurance, increase

in coverage, reduce the risk of family "backbone" period. If

the insurance period does not occur claims, the money can also

be used as Ms. Meng's old age travel fund or pension, to share

the results of financial management.