Different red life insurance has "money" on October 28, the central bank decided to raise RMB benchmark interest rates from the 29th, which is the first time in my country for the first time in the bank deposit rate. It has been in the era of negative interest rates before this, and the impact of this is that the money of the people is shrunk, and the purchasing power is reduced. After the interest rate hike, it will enter the hike period. In such a reincarnation, how people should people get to take care and investment, in order to make the wealth in the hand non-shrinkage? Therefore, we must do some planning for these "money". The financial instrument insurance is reported. This year's price rises, the stock market is low and the real estate market is high, although the financial behavior of the urban high-income group is basically stable, but the investment preference is further transferred to the guarantee and the investment of money, stocks and real estate Cold, insurance, child education funds and national debts are favored. The demand for financial management is exhibiting explosive growth. Banks, funds, brokerage financial institutions are inquiry, and they have played a financial banner. Guangzhou's insurance industry has also begun to rise "Treatment of Fortune", recruits financial planners, and train insurance agents to launch a professional financial idea to customers. Industry insiders pointed out that most of the second-generation investment-based life insurance products characterized by investment dividends have always hit product-oriented design thinking and promotion methods, but this way is not obvious, Guangzhou Insurance is experiencing The fission of the main transition from the product. For insurance investment wealth management products, Ping An Life Investment experts introduced that long-term investment savings are different from traditional savings, and are different from existing investment tools. It is equipped with the benefits of the functions and investment, covering the current market. And through long-term investment portfolios to maximize the maximization of the benefits to meet the needs of different stages of life. Its security is strong, strong resistance, can effectively resist inflation, while still tax-free long-term assets. It is understood that in the US insurance market, the investment insurance product accounted for 1/3, and it has grown. Investment insurance not only meets customer insurance needs, but also provides comprehensive financial planning, balances insurance and asset allocation. 90% of rich people get rich because there is a perfect property allocation, and this is also neglected by people. Universal life insurance can be divided into a month in recent years, in the insurance market, investment insurance has come out. However, with the big landing of the investment insurance, the dividends of dividends are not satisfactory, investors have a complaint, and this also shows that domestic investors' current risk tolerance is still limited. Because of this, risk and security are gradually favored by insurance companies between the risk and guarantees, and began to receive attention from the market. The so-called universal life insurance is an investment type in which the minimum yield is specified. According to Pan Hongyuan, China Ping An Group Market, Ping An Xin Push "" Zhi Fu Life "universal life insurance provides insurance payment between 100,000 to 500,000 yuan to the insured, customers can work according to the safeguards and income levels in different periods of life. Adjusting, as a robust investment product, the annual guarantee rate of "Zhifu Life" is 1.75%, and the security and value of the insured can be guaranteed. "Simply distinguish, universal insurance can be considered dividend insurance per month, or have a minimum guarantee interest rate investment insurance." Li Yuanxiang, general manager of Ping An Life Marketing Department. It is understood that from the perspective of risk, universal insurance and dividend insurance is relatively close: Dividend insurance is divided into red, universal insurance is the company's monthly disclosure, so the omnipotent investment portfolio is divided into red insurance, returning stability High, and the reward is slightly lower, but customers can match many additional insurances at the same time when buying universal insurance. Compared to the risk of investment in risk and income customers, universal insurance is less risky because there is an annual guarantee interest rate. The investment insurance is generally divided into a plurality of accounts such as radical and robustness, but universal insurance usually only one account.
