There are many kinds of insurance. For ordinary people, few people can tell what kind of insurance they have bought. For example, what is dividend insurance?
As the name implies, analytical insurance is a financial insurance product with dividend-sharing function. Dividend-sharing insurance can generally share the operating results of insurance companies in the form of dividends while protecting death and returning survival funds.
According to the regulations of the former China Insurance Regulatory Commission, for dividend insurance, insurance companies should pay at least 70% of the distributable surplus to customers every year. Do you feel very profitable? However, there may not be any surplus after buying it. Many insurance companies may also have no surplus, so dividends may be zero.
This is equivalent to a wealth management product, which means there are risks. Believe that the greater the income, the greater the risk.
People often say that "banks are fat now and thin in the future, and insurance is thin now and fat in the future". Dividend insurance is not reliable, mainly depending on the understanding of the insured. Relatively speaking, the greater the income, the greater the risk.
Second, Taiping Welfare Health whole life insurance Dividend Introduction
Insurance age: 28 days -65 years old
Payment period: wholesale payment/10/ 15/20/ year or to 55/ 60 years old.
Warranty period: life.
Product characteristics of Taiping welfare health+insurance protection plan
1, Critical illness protection: Critical illness protection is extended to 58 diseases, which is more comprehensive and enables the insured to calmly face various risks from critical illness;
2. Compensation for cancer in situ: mild illness in critical illness insurance can not be ignored, and the extra compensation for cancer in situ is 20% of the basic insurance coverage of additional insurance;
3. Increasing dividends: the insured amount increases year by year with the distribution of dividends in the main insurance, and there is no need for underwriting medical examination;
4. Annuity conversion: an insurance can have two choices, and health or pension can be freely chosen;
5. High policy loan amount: Yes, dividend-paying loans can also be made through policy loans, which can reach 90% of the net cash value of the contract.
3. Is Taiping Welfare and Health whole life insurance dividend-paying reliable?
Taiping Welfare and Health whole life insurance (dividend-paying type) can be said to be a whole life insurance that will pay for life and death, with the words of paying for serious illness added.
From the security point of view, 58 kinds of serious diseases only pay 1 time, and mild diseases include cancer in situ. Only 20% of the compensation ratio is relatively low, which is still flawed.
Because of the dividend function, the price of this product is still relatively expensive. If a 30-year-old man chooses to insure 500,000 yuan, the annual premium is about 1.3 million yuan.