Medical students who don't understand psychology are not good insurance brokers
Figure |Masterpiece.
136th original article
Preface. Is the participating insurance capital protected**? Yesterday, a friend in the investment industry asked me that he had researched the recent hot dividend insurance, and it seemed like this was the case.
I thought about it for a while, and replied, "You can also understand it this way: dividends and insurance *** benefits, which can protect the capital; In addition, it also has bonus benefits, which allow you to pursue high returns like ***, but that may also be 0, uncertain. ”
My friend shouted "wonderful" and asked me to recommend a dividend insurance that suits him.
Many friends are also interested in participating insurance, let's talk about the 9 most frequent questions of participating insurance.
In view of the fact that the dividend insurance is a bit complicated, I will reply to each question in the personal version and the official version, and everyone will take what they need.
Note: The participating insurance in this article, unless otherwise specified, is by default Chinese mainland dividend insurance.
9 questions of the highest frequency of dividend insurance
1. What is Dividend Insurance? 2. What kind of participating insurance can I buy? 3. What does the fulfillment ratio have to do with me? 4. What is the impact of dividend distribution on me? 5. How much money can I get? Will it be 0? 6. Will I definitely have dividends, and why? 7. Do I have to buy dividend insurance? Nothing else? 8. How can I buy the best participating insurance? 9. What does an excellent dividend insurance look like? What is Participating Insurance?
Human-to-human version
A type of insurance. Dividend insurance has a guaranteed interest of capital protection, in addition to the first benefit, it also has uncertain dividend income, which may be like a high return, but the dividend income may also be 0, depending on the long-term investment of the insurance company.
Actuary Alex Edition:
On the premise of ensuring the safety of the principal and obtaining certain returns, we will not miss the investment opportunity of obtaining potential high returns. Relying on the excellent long-term investment strength of insurance companies, we can achieve stable and rapid appreciation of wealth.
Mandarin version
Participating insurance refers to a life insurance product in which the insurance company distributes the surplus generated by its actual operating results to policyholders according to a certain proportion.
Figure |Hengan Standard Life.
What participating insurance policies can I buy?
Human-to-human version
You can buy it. See what you want to do with it. If you want to provide for the elderly, buy a dividend-paying pension; If you want to inherit, buy a dividend-paying leveraged life; If you want to do education funds, buy dividend-paying education funds, or dividend-paying increased life. I want to have a pre-marital treasury, I want to force savings, I want to invest in appreciation. You can choose the right product.
Mandarin version
According to the Actuarial Regulations on Participating Insurance issued by the former China Insurance Regulatory Commission in 2015, the types of participating insurance include participating insurance, which can take the form of whole life insurance, comprehensive insurance or annuity insurance. Insurance companies are not allowed to design other product forms as participating insurance. 
What does the fulfillment ratio have to do with me?
Human-to-human version
The fulfillment rate of the product you bought has been 100% or above for many years, indicating that the product of the insurance company you chose is a warm man, 100% or even exceeds expectations, and the promise has been fulfilled; If the fulfillment ratio is less than 100%, it means that it is a bit scum, and the promises given to you do not count much. How scummy it is depends on how low the fulfillment ratio is. Don't choose a scumbag!!
Mandarin version
Regulators stipulate that if the participating insurance adopts the cash dividend distribution method, the cash dividend fulfillment ratio shall be disclosed. If the incremental dividend distribution method is adopted, the fulfillment ratio of the incremental dividend and the fulfillment ratio of the terminal dividend shall be disclosed. Calculation method of dividend fulfillment ratio of each product: (1) cash dividend fulfillment ratio = actual amount of cash dividends distributed Amount of cash dividends demonstrated by dividend benefits; (2) Fulfillment ratio of incremental dividends = actual dividend sum insured amount of dividend benefits demonstrated; (3) Fulfillment ratio of terminal dividends = actual amount of terminal dividends distributed The amount of terminal dividends demonstrated by dividend benefits. When calculating the fulfillment ratio of each product, the insurance company uses the fulfillment ratio of 45% minus the predetermined interest rate of the product is the basis for the benefit presentation. If the same product corresponds to different accounts, the fulfillment ratios under different accounts of the product should be disclosed separately. In addition to providing dividend notices to policyholders and disclosing the fulfillment ratio of dividends in the company's official **, insurance companies are not allowed to disclose or publicize the operating results or dividend levels of participating insurance products to the public. 
Figure |Hengan Standard Life.
How does the dividend distribution affect me?
Human-to-human version
There are two types of bonuses, cash bonuses and booster bonuses, each with its own preferences. Cash dividends are similar to cash paid to you every year, but after the cash dividends are paid to you, they have nothing to do with the original policy. The increase dividend increases the sum insured of the original policy every year, and the sum insured keeps growing, and the corresponding value is getting bigger and bigger. For products with incremental dividends, there may be a terminal bonus at the end of the contract. To use an analogy: cash dividends are like giving you a hard-boiled egg every year, and you can eat it immediately, and it is cool at the moment; The sum insured dividend, like giving you a chick every year, the chick will grow up, and the chick can still lay eggs, which can continue to be cool.
Mandarin version
Participating insurance products can distribute surplus in the form of cash dividends or incremental dividends.
a) Cash dividends.
Cash dividends can be distributed in the form of cash collection, premium payment, interest accumulation, and purchase of the sum insured.
2) Incremental dividends.
The incremental dividend distribution method refers to the annual distribution of dividends by increasing the sum insured, and the increased sum assured cannot be cancelled once it is announced as a dividend.
Insurers that use the incremental dividend distribution method may pay the final dividend in cash upon termination of the contract.
5. How much money can I get? Will it be 0? 6. Will I definitely have dividends, and why? 7. Do I have to buy dividend insurance? Nothing else? 8. How can I buy the best participating insurance? 9. What does an excellent dividend insurance look like? In the next article, let's continue to talk