However, when purchasing insurance, we should first configure basic insurance products, and then consider investing in wealth management insurance products. Only after doing a good job of basic security, do you pursue financial management, otherwise you don't care about priorities. Before we begin, we must know something about insurance. The following article must not be missed: Super Full! Everything you want to know about insurance is here.
Financial insurance mainly includes universal insurance, dividend insurance and investment-linked insurance. Universal insurance not only provides life protection like traditional life insurance, but also allows customers to directly participate in the investment activities of the funds in the investment account set up by the insurance company for the insured. The value of the policy is linked to the fund performance in the investment account of the insured operated independently by the insurance company. Many small partners are eager to try universal insurance, but is universal insurance financing really omnipotent? Friends may wish to take a look at this article: financial management with universal insurance, stable and safe income? Universal insurance from the beginning!
Dividend insurance is a kind of personal insurance that distributes the distributable surplus of this kind of dividend insurance in the previous fiscal year to customers in the form of cash dividend or increased dividend after the end of each fiscal year.
Investment-linked insurance is investment-linked insurance, which means that when providing life insurance, the value of the policy at any time is determined according to the investment performance of its investment fund at that time.
Although these three kinds of insurance are financial insurance, sometimes the income is not high and the stability is not strong.
Health insurance mainly includes critical illness insurance and medical insurance. With the increase of disease incidence, the probability of most people getting sick is also increasing, and the frequency of seeing a doctor and treating diseases is also increasing. Therefore, health insurance is essential for us. Like critical illness insurance, it is of great help to people suffering from serious illness. After all, once you are seriously ill, the consequences are even more unimaginable. Various treatment costs, rehabilitation costs, and the resulting economic losses are incalculable, and many families even "return to poverty due to illness." So I recommend several critical illness insurance products worth buying. Interested friends can have a look at: 10 the most popular stocks worth buying for critical illness insurance!
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