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It is understood that financial life insurance has five major functions, namely: life insurance product information.
First, safeguard the function. The main function of life insurance is to provide protection, and it is the best tool for family risk management.
Second, the saving function. Life insurance is a safe and steady financial management method. There are many 10, 20-year life insurance products to help people develop the financial habits of regular savings and special funds (such as children's education funds and pensions).
Third, the financial management function. Insurance is an important part of asset allocation. It can help people realize various financial functions such as asset hedging, asset transfer, estate planning and maintaining the integrity of capital chain.
Fourth, the function of tax saving. Article 4 of China's individual income tax law clearly stipulates that insurance indemnity belongs to the scope of individual income tax exemption.
Verb (abbreviation for verb) investment function. Compared with general financial commodities, using insurance to invest is a more stable and safer way to use funds. You can choose capital preservation investment or independent investment according to your own needs.