Do you know the harmonious health insurance financial products of Anbang Insurance? Come to popularization of science if you know. ...

At present, there are few wealth management products in harmony and health, mainly several universal nursing insurance. For example, the minimum guaranteed interest rate of Harmony Kangfu Nursing Insurance (Universal) is 2.5% per year. The initial value of personal account is zero. After deducting the initial cost from each insurance premium paid by the insured according to the contract, the rest will be included in the personal account value in equal amount. On the settlement date of each individual account, the interest on the value of the individual account last month shall be settled according to the published settlement interest rate, and the money shall be directly credited to the individual account. On the effective date of this contract and the settlement date of each individual account thereafter, the risk insurance premium of the current month shall be deducted from the individual account. Friends who are interested in harmonious health and its products can read this article first: Is harmonious health insurance reliable? Is the product good?

Universal insurance is more complicated. Generally, every premium is deducted from the initial cost before entering the universal account, and the guarantee cost is deducted from the account value every year. We need to pay attention to this. Like harmonious and healthy universal nursing insurance, if you want to insure against the impulse of universal account financing, you may lose more than you gain without considering the advantages and disadvantages of your own nursing protection. For more details about universal insurance, you can read this article: How much can you earn by buying universal insurance? Don't be sold. It was fun.

In fact, if you want to manage your finances, besides universal insurance, you can also consider increasing whole life insurance. Incremental whole life insurance is a kind of life insurance, which is suitable for high-net-worth people who have spare money for financial management. Safety+financial management? The protection content of dual roles is generally death/total disability insurance. Whole life insurance should also pay attention to IRR for the increase of insurance coverage. At present, the internal rate of return of good products on the market will be infinitely close to 3.5%. Friends who have financial ideas can also read this article: What is the difference between dividend insurance, universal insurance and increased whole life insurance financial insurance? Which is the most cost-effective?

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