Family Finances, The First Heavy Guarantee, Reasonable Investment, Three Kinds Of Investment Insurance.

You can't fail to know Buffett's quotations.

The Holland team is good at defending, but it can't win the championship.

"May 1" small holiday, tired body and mind should enjoy the sunshine and rain in spring and summer.

But CPI has been on the rise, the central bank has been raising interest rates again and again, and the pressure on mortgage loans has been increasing. How can it be possible for the white-collar petty bourgeoisie to make a living all day?

"First win, then win."

In the view of a healthy and robust Palestinian capital, if we want to improve our financial management skills in the current complex investment environment and deal with inflation, we should start with insurance.

The first guarantee of family financial management

Buffett believes that financial management is to defend and attack again.

He has his own argument: Japan's life insurance coverage rate is as high as 540%, the US insurance rate is 350%, Europe is 230%, and Mainland China only 8%.

That is to say, in other countries, on average, there are several policies per person, and we have only 0.8.

Compared with these developed countries, China's insurance market can only be described as dwarfed.

It is said that we must conform to the international standards, and our people's insurance consciousness must catch up.

At this stage, many people prefer financial projects such as stocks, funds, real estate, gold, artworks and so on with high risk and income. They have high risk preference, only high income in their eyes, and lack of scientific ideas in financial management.

At the same time, there are still many people who like to spend first and then save. Obviously, this is not rational behavior.

As the saying goes, people have no worries.

In fact, every one of us is pursuing a steady life, but natural disasters and human calamities are unavoidable. Once it happens, families will suffer heavy losses, and even the family will be destroyed and bankrupt.

Financial advisers believe that insurance is an essential part of family financial management, regardless of family or individual, in daily financial planning, we must not ignore its importance.

Guaranteed products are more stable.

Unlike financial stocks such as stocks and funds, the role of insurance is more focused on support functions.

If we only hope to make a fortune through insurance, it is estimated that it is almost the same as winning lottery tickets.

Pacific insurance financial experts believe that regardless of interest rate increases, customer demand for protection is unchanged.

In particular, when interest rate increases may affect the actual income of fixed income life insurance products, the stability of products is even more valuable.

For example, once hospitalized seriously ill, it will be tens of thousands or even tens of thousands of dollars.

Working families need to consider whether to buy insurance to improve family risk prevention ability when they are managing money.

Pacific insurance experts suggest that consumers should make plans for insurance purchases based on demand.

The most basic types of life insurance, accidental injury insurance, health care insurance and other protective functions are mainly planned, and then consider other investment and financial insurance products.

The insured insurance pricing factor mainly considers the mortality rate or disease incidence rate, and is not sensitive to the change of interest rate.

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The main investment channel for dividend insurance is large deposit agreement, which accounts for about 80% of all channels, while the insurance company and the bank sign a deposit contract at the time of floating interest rate.

That is to say, interest on dividends is rising with the increase in interest rates of the central bank. Of course, dividend insurance does not need to be "pferred" or even "added".

Among them, the risk of bonus insurance is worth paying attention to, such as "Hong Fu Bao" of Pacific Life Insurance, which integrates investment, dividends and security.

Entering the interest rate cycle, and then placing bonus insurance is a good choice for financial management, but dividends are calculated in each fiscal year, so it takes a longer time to show the effect of raising interest rates.

For those who cover universal insurance and risk of joint venture, the yield will also rise after interest rate increase.

Relative dividend insurance, universal risk and investment linked insurance will be more "sensitive", which can be shown in the next month, and the profits of customers will also increase correspondingly.

If funds are more abundant at hand, additional accounts can be added to increase the amount of account funds, so that the proceeds will be even more substantial.

However, consumers should be clear about the ratio of initial cost and the ratio of premiums and withdrawals, and do not blindly see the flexibility, take full account of their own insurance needs and economic capabilities, and choose the right amount of protection and premium payment.

Bancassurance products

Meet the long-term financial needs

along with

At present, almost all bank outlets are acting as a distributor with double functions of investment, financial management and insurance protection.

Nie Hongbo, an insurance expert at Hunan branch of Pacific Life Insurance, said that such dividends are suitable for idle funds in the medium and long term. If customers can hold their maturity, they can get interest that is higher than the interest rate of bank deposits at the same time.

At the same time, insurance companies will also provide insurance coverage for their customers.

It can be said that these products are better choices for long-term financial management.

For example, the "Hong Fu Bao" of Pacific Life Insurance is one of the most mature insurance types in the insurance market. It only takes three years or five years to make financial planning easily.

This type of insurance provides customers with three protective barriers: non accidental death, accidental death and traffic accident. If you need money in the middle of the road, you can also provide policy pledge loan.

In addition, as a new product of silver guarantee, the "red Fu Bao" will separate the payment term from the insurance period, so that customers can complete the financial arrangement within the peak period of revenue. After paying the premiums for the first year, they can receive a survival insurance every 2 years, which is more flexible and convenient as a financial tool.

In short, it can not only help customers resist inflation, but also enjoy the good interest rate increase of the central bank and get a steady income, and its security function can also provide a protective umbrella for both the family and the family.

According to Yang Daoshuang, general manager of Bank Insurance Department of Hunan branch of Pacific Life Insurance Company, on the basis of last year's sales of 2.8 billion, in the first quarter of this year, "Hong Fu Bao" has exceeded 1 hundred million of premium income in Hunan, and it is expected to reach 500 million yuan in the whole year.