In the context of the continuous reduction of deposit interest rates, many people have begun to turn their financial attention to participating insurance. But many people blindly buy without knowing it, which is not an wise choice. To find out whether participating insurance is suitable for financial management, we must first understand its essence.
Participating insurance is a kind of participating insurance, which is a comprehensive insurance product that combines personal protection and dividend appreciation. On the one hand, personal protection is a part of the two insurances, and during the insurance period, when the insured suffers the risk of total disability or death, the death benefit can be paid for the beneficiaryAfter the benefit period, if there is no risk, the beneficiary will be paid a pro-rata survival benefit at maturity, unless the policy is surrendered in the early stage, the insurance benefit is generally higher than the total premium paid.
On the other hand, it is the bonus value-added, which is the protection function of the additional dividend insurance. The insurance company will distribute the company's surplus to the policyholder in the form of cash dividends or value-added dividends on each anniversary of the insurance contract. It should be noted that the dividend part is not guaranteed and is usually determined according to market conditions and the operating conditions of the insurance company.
Therefore, this insurance product may allow policyholders to obtain potential dividend income, but also need to bear certain risks. Not only is the premium of participating insurance higher than that of traditional life insurance, but the dividend is also affected by market fluctuations, which requires investors and insurance companies to share the risk. Therefore, if you want to buy participating insurance and financial management, you need to consider all factors.
Before purchasing a participating insurance, it is necessary to understand the credit and operating status of the insurance company, as well as the historical dividend record and dividend policy, which can help judge the company's operating ability and risk control ability, as well as the income potential of the participating insurance product. And also assess your own risk tolerance, if your own risk tolerance is low, it is recommended to choose a protection product or a product with more stable returns.
In short, the participating insurance is an insurance product with protection and investment functions, but its dividend income fluctuates greatly and needs to bear certain risks. Therefore, investors can make reasonable decisions according to their personal needs and risk tolerance.