Investment insurance is a branch of life insurance, which belongs to innovative life insurance. It was originally designed by western countries to prevent economic fluctuations or inflation from causing losses to long-term life insurance, and later evolved into a financial investment tool for customers and insurance companies to take risks and enjoy benefits. Investment insurance is divided into three categories: dividend insurance, universal life insurance and investment-linked insurance. Among them, dividend insurance has conservative investment strategy, the lowest income and the lowest risk compared with other investment insurance; Universal life insurance has guaranteed income, and the investment strategy of insurance companies is medium and long-term growth. The main investment tools are government bonds, corporate bonds, large bank deposits and securities investment funds, which have flexible access and considerable returns. The main investment tools of investment-linked insurance are the same as universal insurance, but the investment strategy is more radical and there is no guarantee of income, so the risk is great but the potential value-added is also the greatest.
Purchase process: after careful understanding, the customer voluntarily confirms the insurance plan, fills in the insurance application form, truthfully informs himself of health, financial status and other related information, and signs the plan proposal, so as to submit an invitation application to the insurance company in writing (according to the regulations of the China Insurance Regulatory Commission, from May 2009, copies of the applicant's and the insured's ID cards, and copies of the payment account passbook or bank card are required.
China citizens can basically buy investment cash as long as they are under 60 years old. Different types of investments require different age limits for the insured, and different types of products pay different monthly or annual fees. Please consult your insurance agent for details.