1. Pure financial insurance: It usually consists of two parts: ① The main insurance is life insurance, and there are two insurance responsibilities, one is to receive survival money while alive, and the other is to pay compensation when you die. ② Match a universal insurance account, which is basically a monthly compound interest account, and its main function is to ensure the secondary appreciation of the survival fund (all insurance companies in official website can find the annualized interest rate of the universal insurance account last month, among which the universal insurance income of China Taiping is the highest in the whole industry, with 2065438+5. 1%-6.0%, published in August 2006).
2. Comprehensive category: it covers four categories of protection for this kind of products. The advantage is that the guarantee is comprehensive and everything is available. Disadvantages are "extensive but not refined", low accident insurance protection, incomplete health protection and insufficient wealth management income. This kind of product looks like a lot of gimmicks on the surface, but the actual risk protection is insufficient. Generally speaking, buying is not recommended.
3. Investment-linked insurance: the investment income of this kind of products is uncertain, and the investment risk is entirely borne by the insured. If you have some financial knowledge, you can think carefully.
Generally speaking, property insurance has a great relationship with the company's strength, so it is recommended to give priority to central enterprises (such as China Taiping and China Life Insurance). Secondly, we need to pay attention to product structure and try to choose pure financial insurance. Finally, you can check the income comparison of the universal insurance compound interest account in official website. Generally speaking, every insurance company will launch a "good start" product for the next year in 1 1 and 65438+February every year. Generally speaking, this kind of products are the "fist" products of insurance companies in the next year, with great preferential strength and obvious product advantages. It is recommended to give priority to "good start" products. You can talk about it in detail by private letter.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.