Be in early this year in March, "Return this model insurance is about to stop carry out " the rumor is passed bubbling with noisely, insurance agent encircles the bomb that brush screen to acclaim in the friend for outstanding achievement.
Whole March popular feeling in a state of anxiety, fretted and disturbed, cause a lot of people " drive before stopping carry out " , inside 10 minutes the lot issued a contract that is as long as 20 years.
At that time, small make up seasonable dispatch to refute a rumor, the meeting that keep watch published the specification that punishs hype very quickly also, but still have a lot of ordinary common people, below the influence of the rumor, bought the thing that oneself do not need at all.
Two months are separated when, father of the meeting that keep watch is surnamed to let be sure " protect " fulfil more thoroughly, came on stage on May 11 " 134 files " , the new regulation of this file basically is to be aimed at conduct financial transactions insurance.
Quick-witted small make up had sensed a possibility beforehand somebody wants excessive unscrambled, unscramble this new regulation to everybody first so, and it is common to us the masses has what effect.
Before unscrambling this file, we understand first below " conduct financial transactions insurance "
Conduct financial transactions insurance is OK and simple lay off 3 kinds: Share out bonus life-insurance, all-purpose model life-insurance, investment is concatenate model life-insurance.
Without giving thought to which kind, the meaning is to say: The insurance cost that you pay is divided into two parts, one part is used buy safeguard; The part that comes out more additionally, insurance company go off with makes economy investment, take among them share profit next deal out you.
Those who want an attention is: The part that makes economy investment is used in conduct financial transactions insurance, it is not affirmatory, do not make money certainly that is to say, possible even deficient money! Insurance company has authority to manage a circumstance to undertake reasonable allocation according to border of insurance deal with concrete matters relating to work.
Will read 134 documents again, main content is small make up generalize simply below:
Product of insurance of be satisfactory to both sides, pension insurance product, live first insurance gold is in to Fu Ying guarantee slip go into effect is full after 5 years, and give every year 20% what pay or get scale to already must not pay insurance premium more than partly.
At present the be satisfactory to both sides on the market is sure to wait for conduct financial transactions product with pension insurance product, to attract customer, live first insurance gold gives paying is normally in 1-3 after year. But rise from May 11, this gives birth to those who keep insurance gold to give first pay must be after 5 years.
This action of the conference that keep watch is to force insurance company undertakes the product innovates, develop real safeguard product, insurance accomplishs a surname " protect " the first pace does not want namely and product of conduct financial transactions grabs the market.
All-purpose model insurance product, investment is concatenate model insurance products plan should offer nonsked, indeterminate specified amount to increase insurance premium, adjust the function such as insurance amount neatly. Insurance company must not be designed with additional risk form all-purpose model insurance product or investment are concatenate model insurance product.
Return quickly still model annuity danger and these products are additional all-purpose account times is terminative.
Product denomination is forbidden include " conduct financial transactions " and " investment plans " state. Encourage the development of the safeguard such as fixed birthday danger, lifelong birthday danger product, undertake according to the circumstance such as healthy state, smoking state dissimilation fixes a price differring.
Similar " XXX insurance manage money matters plans " the name will not appear. The bounds of more clear lay off insurance and conduct financial transactions. Poor dissimilation is custom-built make follow-up line of the products becomes much, safeguard is better and better.
Anyhow, the end that guarantees inspect to meet father issue this second document wants normative insurance market namely, tell everybody:
Insurance should be safe, conduct financial transactions should be conduct financial transactions!
So regard general collect popular as, we should how look upon conduct financial transactions insurance:
1, identify a way, do not step on hole at will
Range estimation still can have to fry this year stop wind. "Also cannot buy again later " , " new product price is higher " it is commonly used cover a region. So, everybody still wants sharpen one's eyes, the insurance bomb that encircles to the friend wants reason to treat.
2, discretion buys conduct financial transactions insurance
Review global insurance company, danger endowment is average year change return rate to be able to be stabilized already special between 4%-6% pretty good. What ensure a function because of product itself is strong have very big difference infirmly, so specific the effective return rate that falls to each pieces of guarantee slip also the standard with uniform neither one.
Overall will tell, conduct financial transactions safe safeguard function is weaker, what what we invest capital is actual year change return rate taller.
We must pass sacrificial fluidity (extended hold guarantee slip expires, do not retreat protect, do not do get ahead of schedule) will realize profit.
Art line of business has specialize in, safeguard healthy danger, birthday danger, accident danger, just be the value place with insurance basic industry.
So, if you are going straight towards accrual, redound to buy conduct financial transactions insurance, I feel complete to do not have necessary! Because of the product of major conduct financial transactions of the bank, better than conduct financial transactions insurance. Conduct financial transactions insurance sacrifices this kind of fund liquidity cast maintain pattern small making up do not suggest.
3, configure fundamental safeguard first, consider conduct financial transactions insurance again
In domestic safeguard product (serious illness risk, fixed birthday danger, accident danger, medical treatment is safe) below the case that returns existence breach, blind goes buying conduct financial transactions model insurance is special not sensible method.
Finally, sum up the crowd characteristic that suits to buy conduct financial transactions insurance:
1, domestic member had configured enough safeguard product;
2, the investment medium of communication that has other high profit (house property, stock, fund, foreign currency, national debt) ;
3, have brushstroke unused capital, expectation achieves safe, dovish, certain earnings through annuity danger.
Ps:
When everybody buys serious illness risk, the proposal should pay close attention to safeguard more. In the long run, recapture capital, perhaps expire return extra still income, these interest points are main it is stunt.
Because become safeguard and ginseng of conduct financial transactions are miscellaneous when be together, the scarcely keeping the specified number that the insurance cost of the capture below same situation can buy is tall, and buy insurance to keep the specified number of too low no point,
Buy insurance to learn this culminating principle please
"Ensure first, hind conduct financial transactions "
